Explore Card Specs, EMI Options & Financial Requirements in Spain’s Capital
When it comes to Banking in Madrid, American Express (AMEX) is a top-tier choice for individuals looking for prestige, rewards, and elite services. Whether you’re a traveler, professional, or business owner, AMEX cards come in various Dimensions (types), with flexible EMI options, luxury Material builds, and clear Finance requirements.
Let’s explore 10 trusted banks and institutions in Madrid where you can get your hands on an AMEX card. 👇
🏦 1. American Express España (Direct Issuer)
Card Types:
- ✅ AMEX Green
- ✅ AMEX Gold
- ✅ AMEX Platinum
- ✅ AMEX Centurion (Invite-only)
📐 Dimensions: 85.60 × 53.98 mm (standard); Metal for Platinum/Centurion
📋 Requirements: - Spanish ID (DNI/NIE)
- Income: ~€20,000+ (Gold), €50,000+ (Platinum)
- Bank account in Spain
💰 Finance & EMI: - Up to 90-day payment flexibility
- Revolving credit on select cards
🧱 Material: Plastic (Green/Gold), Metal (Platinum/Centurion)
📊 Assestion: Strong credit history + stable employment
🏛 2. Banco Santander
(via AMEX partnership)
Card Offered: Santander American Express Card
🔁 EMI: Split purchases into 3, 6, or 12 months
Perks: Cashback, AMEX travel support, exclusive promos
📋 Requirements:
- Santander customer
- Proof of income
- Age 18+
Material: Plastic
🏦 3. CaixaBank
AMEX Offered: LaCaixa AMEX Corporate & Business
Use: For entrepreneurs and professionals
📐 Dimensions: Business card standard
📋 Requirements: Business registration & account
💼 Finance: Monthly settlement, no interest
🧱 Material: Plastic with chip
🏦 4. BBVA
Offering: Corporate AMEX cards for business clients
🔁 EMI: Available through BBVA Financiación
📋 Requirements:
- Registered business
- Monthly transaction activity
🧱 Material: Standard plastic
🏢 5. Bankinter
AMEX Link: Offers AMEX cards to premium clients
🧾 EMI Options: Available through “Pago Aplazado”
📋 Requirements: High credit rating, Bankinter customer
Material: Plastic/optional metal for upper tier
💼 6. Openbank (Santander Group)
Digital AMEX: Issued online through Openbank interface
🎯 Finance Tools: Full or partial payment, interest flexibility
📋 Requirements: Online account, residency in Spain
🧱 Material: Plastic
Dimensions: ISO/IEC 7810 standard size
🏙 7. Sabadell
AMEX for Business Clients
Focus: Corporate spending, expense reports
📋 Requirements:
- Company registration
- Sabadell business account
💰 EMI: Statement settlement required monthly
🧱 Material: Plastic
🧮 8. EVO Banco
AMEX-compatible features: Partners with AMEX via business services
🎯 Finance: Monthly spend cap, expense tracking
📋 Requirements: Spanish address, online banking user
🧱 Material: Digital + physical card
🛍 9. El Corte Inglés Financiera
AMEX Card: “Tarjeta de Compra AMEX – El Corte Inglés”
Use: Shopping, loyalty rewards at El Corte Inglés
🔁 EMI: Interest-free installment plans
📋 Requirements:
- Spanish residency
- Store account
Material: Plastic (custom branding)
💼 10. Revolut Spain (via Global AMEX)
AMEX Linking: Not issuer, but allows AMEX top-ups & wallet integration
Finance Use: Monitor spend, pay via AMEX
📋 Requirements: Revolut account
Material: Digital integration (not a physical AMEX)
📊 Comparison Table
| Bank/Provider | Card Types | EMI Available | Material | Income/Assestion | Status |
| AMEX España | Green, Gold, Platinum, Centurion | ✅ Yes | Plastic/Metal | €20k–€50k+ | Active |
| Banco Santander | Standard AMEX | ✅ Yes | Plastic | Santander client | Active |
| CaixaBank | Corporate AMEX | ❌ No | Plastic | Business required | Active |
| BBVA | Corporate AMEX | ✅ Yes | Plastic | Business only | Active |
| Bankinter | Consumer AMEX | ✅ Yes | Plastic/Metal | High credit score | Active |
| Openbank | Online AMEX | ✅ Yes | Plastic | Digital account | Active |
| Sabadell | Business AMEX | ❌ No | Plastic | Business clients | Active |
| EVO Banco | AMEX support (linked) | ✅ Yes | Digital | Online access | Partial |
| El Corte Inglés | AMEX Store Card | ✅ Yes | Plastic | Store account | Active |
| Revolut | AMEX wallet integration | N/A | Digital | Revolut user | Linked only |
🧭 Final Thoughts
✅ If you’re in Madrid and seeking an American Express card, you have plenty of options, depending on whether you’re a consumer or business client.
Top Picks:
- For everyday users: AMEX España or Banco Santander
- For travel: AMEX Platinum or El Corte Inglés AMEX
- For business: CaixaBank, BBVA, or Sabadell
- For online-savvy users: Openbank or Revolut (linked usage)
✨ Key Highlights
- 📐 Dimensions of AMEX cards follow ISO standards but Material (metal/plastic) reflects prestige.
- 💼 Finance features include flexible billing, high limits, and elite travel perks.
- 📊 Assestion (asset/income status) affects eligibility—especially for Gold & Platinum tiers.
- 🔁 EMI (Equated Monthly Installments) is common on retail and store cards in Spain.
- 📝 Requirements vary: some need income proof, others just a bank relationship.