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ACA Mastercard

The free and exclusive credit card for members of Automòbil Club d’Andorra.

The granting of a card is subject to the bank’s risk criteria.

If you are a member of Automòbil Club d’Andorra (ACA), this card is for you

With the best discounts in Andorra and abroad.



Enjoy it with zero opening or maintenance costs.



Pay for all your purchases at the end of the month, interest free


Up to €3,000/month

If you are a Creand customer, you will have a daily limit of €1,500 and a monthly limit of €3,000. If you set up a direct debit with another bank, the limit will be lower.


Discounts and advantages

You have a wide range of discounts on fuel, leisure and culture, motoring, travel, and more, when paying with the ACA Mastercard, as well as many advantages for being part of the ACA club.


Free anti-fraud alert service

With Creand’s SMS service, you will get an alert on your mobile every time a purchase of over €60 is made.

Still not a member of the Club? Become a member in just 3 steps

It’s that easy to be part of the Automòbil Club d’Andorra and enjoy the benefits of the card.

Number One

Fill in the ACA membership registration form.

Number Two

Request the ACA Mastercard.

Number Three

We will get in touch with you to handle all the necessary formalities.

Find out all the details about the ACA Mastercard

The ACA Mastercard is a payment method for making purchases as well as enjoying discounts at retailers in Andorra and Catalonia. Although it identifies you as an ACA member, it is not the same as a membership card.

In the event of loss or theft, fraudulent purchases and ATM withdrawals can be covered up to 72 hours before the cardholder’s notice of cancellation.

Use any of our terminals to deposit or withdraw money whenever you need to.

Discover the 24-hour branches

You can request it at Club branches or on the website, at any Creand branch or here

Feel safe with Creand cards

Buy Online

Shop online securely

With our secure e-commerce system, you will always be protected


Travel with peace of mind

With the best travel assistance cover for you to enjoy the experience


Life insurance with accidents supplement

Covering accidents resulting in death or disability while using public transport



You will be insured anywhere in the world

Make the most of these discounts

Any questions?

In the event of loss or theft of your card, call +376 888 888 straight away. To cancel it, go to any Creand branch and report the theft to the police.

If you need travel assistance due to illness, accident or robbery at an ATM, contact us on +34 934 858 516 as soon as possible, and we’ll explain what steps to take.