Exclusives _

ServiRed Infinite

Visa Infinite is Visa’s most exclusive product. One differentiating feature of Visa Infinite is the exceptional spending limit, but the uniquely-designed card also bestows other privileges on cardholders.

The services available to Visa Infinite cardholders include:

  • 24-hour telephone help line: We will answer all non-urgent questions about the use of your card while you are travelling.
  • Authorization of emergency payment transactions: through this service, verbal authorization of a transaction is given by telephone when the card has been lost and the cardholder needs to make transactions before a replacement card can be delivered or emergency cash can be supplied. This verbal payment authorization service is available around the clock for transactions with hotels, car rental firms, airlines, other types of passenger transport firms, etc.
  • Visa Infinite Privileges: special offers and valuable extras from a selection of leading travel and holiday establishments and retail merchants.
  • Concierge Service: A service providing information and assistance relating to travel and holiday arrangements, including information about the countries and cities to be visited, and assistance in planning trips and activities. This service also provides specialized assistance to business travellers, including the purchase of gifts and special items.
  • Lost or stolen cards service: This service ensures that your card will be blocked to prevent its use by unauthorized persons if it is lost or stolen in Spain or abroad.

These services are common to all Visa/MasterCard products. In addition, Visa/MasterCard Platinum offers the following exclusive services:

  • Emergency card replacement: Cardholders will be issued an emergency card immediately in the event of lost, theft, or damage to their Visa/MasterCard Platinum card.
  • Emergency cash advances: Emergency cash will be furnished to any cardholder whose card has been lost or stolen. When no member financial institution is close at hand, the cash will be delivered directly to the cardholder.
  • Legal and medical assistance: Cardholders may receive information about specialist physicians and lawyers that can assist them with legal or medical problems, ranging from general legal advice and medical supervision to specific legal aid and emergency care. For further information, contact the financial institution that issued your card.
  • Travel insurance: Cardholders are covered against accidents occurring during travel in public transportation, as long as tickets were paid for with a Visa/MasterCard Platinum card. For further information, contact the financial institution that issued your card.
  • Value added services: These include advantages in luxury hotel chains, car rentals, and other establishments for holders of Visa Platinum cards issued by members of ServiRed.

In addition to these basic services, your Visa Infinite financial institution may offer other services adapted to your needs and lifestyle.

Forms of Payment

  • Debit deferred to the end of the month: Purchases, payments and cash withdrawals are charged to your bank account at a fixed date within a 30-day period, and you pay no interest charges.
  • Deferred payment: This form of payment is designed for unexpected or one-time expenses. You can choose a flexible repayment plan, deciding how much to pay each month, in keeping with your income. This provides convenience and control over your personal finances.
  • Revolving credit: This form of payment is designed to satisfy the cardholder's medium- and long-term financing needs, stabilizing repayments over time. As with deferred payment, you can choose how much you can afford to pay each month.
  • Debit: Offered by some ServiRed member financial institutions, this option allows you to withdraw cash from ATMs. You choose where to draw it from your bank account (current or savings), or against your card account. When you choose to debit withdrawals directly to your bank balance, the system is identical to that of the Visa Electron/Maestro card. But remember that transactions will not be authorized unless they can be covered by your bank balance.

How It Works

In Spain, whenever you make a payment or a cash withdrawal, the merchant's terminal or the ATM requests authorization on line (in real time) from your issuing institution via a complex communications system. The institution's server will verify your bank account or credit balance. If the request is accepted, the transaction will be authorized and the amount will be deducted from your balance.

In the rest of the world, the transaction may also take place in real time, but in some countries it may take place off line.

Where to Use It

In Spain, at 823,000 retail establishments and more than 55,400 ATMs belonging to the three domestic ATM networks: ServiRed, Euro 6000 and Telebanco 4B.

In the rest of the world, at any of more than 28 million retail establishments and more than 820,000 ATMs displaying the Visa and MasterCard emblems.

Thanks to its wide acceptance, coverage, travel insurance, and assistance services, a Visa/MasterCard Gold card is the ideal travel accessory. In addition, it will spare you the inconvenience of carrying cash for your everyday purchases, while travelling, etc. While abroad, you won't have the problem of receiving change in a foreign currency.
 
Cards