How do I know if my card is revolving?
It is if each month you pay an instalment instead of everything you spent, and you’re charged interest on what’s left. If you pay the full amount each month and never see interest, you’re using the card on end-of-month payment.
Many cards have both modes, full payment and deferred payment, in the same contract. What counts is the mode you’re on now.
What do I look for in the contract?
A separate document, from before you signed, that says “revolving” explicitly. The rules require it, along with an example with two or more possible instalments and whether you can change the payment method.
Beyond that document, look for these signs:
- Duration. The contract has no end date, or renews itself every year.
- Payment modes. It mentions “pago aplazado” (deferred payment), “cuota fija” (fixed instalment), “porcentaje” or “cuota mínima”, as well as end-of-month payment.
- Interest rates. It gives a TIN and a TAE for deferred payment. If full payment is at 0%, the credit with interest is the deferred one.
- The name. Some issuers say it in the title. WiZink, for example, calls its document “Información previa del crédito revolving”, and Cetelem publishes an “Información de transparencia del crédito revolving”.
Banco de España also suggests checking whether, once signed, you can change the payment method or the instalment, and how.
What do I look for on the statement or in the quarterly information?
A line of interest each month, and your payment method. Your lender has to send you, at least every quarter, a document stating that the payment method is revolving, what your instalment is, and when you’d finish paying if you stop using the card.
If each month you see an instalment that isn’t everything you spent, interest charged, and the money available on the card goes back up when you pay, your card is working as revolving credit.
Which cards are revolving?
Many cards from banks, finance companies and shops have a revolving mode. These are the ten in Asufin’s 2025 survey:
| Card | Issuer |
|---|---|
| Tarjeta Después and Después Oro | BBVA |
| WiZink Now | WiZink |
| Visa Pass Carrefour | Servicios Financieros Carrefour |
| Visa & Go | CaixaBank |
| Bankintercard Platinum | Bankinter Consumer Finance |
| Tarjeta Alcampo Dúa | Oney |
| Tarjeta Shopping | Deutsche Bank |
| IKEA Visa | CaixaBank Payments & Consumer |
| Visa Proyecta | Abanca |
If your card isn’t on the list, that doesn’t mean it isn’t revolving. Check your contract.
What if I don’t have the contract?
Ask your lender for it, along with the information it has to give you on request: the payments you’ve made, what you owe and an amortisation table. It has five working days to give you this and can’t charge for it.
The amortisation table shows how much of each instalment goes on interest and when you’d finish. You can also enter your figures in our calculator.
If it’s revolving, what do I do now?
Check how much you owe, at what interest and with what instalment, and decide whether you can pay more each month. The guide to getting out of revolving debt explains the steps, and Pay it off, consolidate or claim? compares the other options.