When using Caixa credit cards, you can choose to split the payment of your purchases into instalments (APR 17.9%)* and select the payment plan that best suits your needs.
Don't have a Caixa credit card yet? You can choose your card here.
What is it?
With instalment payments option, you can manage your monthly budget by spreading out the payment of your transactions, thereby freeing up your card's credit limit.
How can I subscribe?
If you don't have a Caixa card: You can subscribe to the instalment payments option when you apply for a credit card. If you already have a credit card: You can contact one of our branches or your manager. If you're a Caixadirecta customer, you can also call +351 217 900 790 1.
What can I split into instalments?
- Purchases made in-store and online;
- Payments for services (e.g. electricity, telecoms);
- Payments to the State (e.g. IMI, IUC);
- Cash advances on credit (cash advance at ATMs, Caixadirecta, or a branch).
Each installment plan must consist of transactions of the same category.
1 Call to national landline, 24 hours a day, 7 days a week.
Payment deadlines and amounts
| Term | Amount |
| 6 months | Min. 10 € per operation | 50 € per plan |
| 12, 18, 24, 36 e 48 months | Min. 250 € |
How can I split a payment?
At the time of purchase you can split your payment:
- At merchants with Caixa POS terminals (Caixa credit card on a Caixa POS terminal).
After the purchase you can split your payment:
- On Caixadirecta online: Cards > Balances and Operations;
- In the Caixadirecta App: Menu > Cards > Instalment payments > Split payments;
- At Caixadirecta Telephone, with the support of an assistant;
- At any Caixa branch.
You can split a single transaction or combine multiple transactions simultaneously, up to a maximum of 10, with a minimum of €10 per transaction and a minimum value of €50 per instalment plan.
Transactions (purchases, payments or cash advances) made up to the statement date and not included in previous statements are considered eligible for instalment payments (E.g. If the transaction you want to split was made on the 10th and your statement is issued on the 30th, you have 20 days to choose instalment payments).
Example:
Rita: I bought a tablet for €200 with my Caixa credit card and chose to split the payment into 6 months, with a monthly instalment of €34.57. I will pay a total of €209.43 (€200 for the tablet + €7.44 in interest, plus Stamp Duty at 4%).
Pedro: I paid two property tax (IMI) instalments with my Caixa credit card, selecting both transactions for instalment payments, totalling €450, choosing to pay them over 12 months, with a monthly instalment of €40.12. I will pay a total of €490.60 (€450 for the IMI + €31.43 in interest, plus Stamp Duty at 4%).
How do I manage my plans?
You can easily and quickly monitor, control, and manage your payment at any time of the day, in the Caixadirecta menu under Cards >Instalment Payments.
You can also repay or settle your instalment payment plans in advance and at your convenience in the Caixadirecta app, under Cards >Instalment Payments >Pay Plan.
Interest-free instalments
At participating Caixa POS terminals, you can split your payment at the time of purchase without interest, using all Caixa personal credit cards with a supplementary credit line.
See the list of partners here.
Fashion
Amélia Antunes Concept Store, Lda
Payment options: 2, 3, 6, 9, and 12 months interest-free.
Network of shops covered: Lisbon.
Check out the shop's location at amelieautheatre.wix.com/amelie.
Loja das Meias
Payment options: 2, 5, and 8 months interest-free (sales or promotions, regular season, and fortnights, respectively).
Network of shops covered: Lisbon and Cascais. Check the shops' locations at www.lojadasmeias.pt.
Nova Noiva
Payment options: 2, 3, 6, 9, and 12 months interest-free. Network of shops covered: Av. João Crisóstomo 91/91A - Lisbon.
Health and Aesthetics
Central Clinic
Payment options: 2, 3, 6, 9, and 12 months interest-free.
Network of shops covered: Lisbon.
Check out the shop's location at www.centralclinic.pt.
Jewellery
Leitão & Irmão - Antigos Joalheiros da Corôa
Payment options: 2, 3, 6, 9, and 12 months interest-free.
Network of shops covered: Chiado - Largo do Chiado 16 and 17 | Bairro Alto -
Travessa da Espera 8 to 14 | Ritz - Ritz FourSeasons Hotel - Lobby Gallery
Machado Joalheiro
Payment options: 2, 3, 6, 9. and 12 months interest-free.
Network of shops covered: Check the shops' locations at www.machadojoalheiro.com.
Opticians
Adão Oculista
Payment options: 2, 3, 6, 9, and 12 months interest-free.
Network of shops covered: Check the shops' locations at
www.adao-oculista.pt.
NOL - Novo Oculista de Loures
Payment options: 2, 3, 6, 9, and 12 months interest-free.
Network of shops covered: Loures and Vila Franca de Xira. Check the shops' locations
www.novooculista.com.
Oculista Portas de Santo António
Payment options: 2, 3, 6, 9, and 12 months interest-free. Network of shops covered: Estremoz, Alandroal, Vila Viçosa, Fronteira, and Borba.
If you don't have the Caixadirecta App yet, please download it. The Caixadirecta App is available for iOS + Android
* APR 19,3% (TAEG) on the Instalment Payments supplementary credit line, for a credit limit of €1,500, with repayment in 12 months, at an AGR of 18,75% (TAN).