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AXI Card Tarjeta y Credito review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

AXI Card Tarjeta y Credito suits adults in Spain who want a small revolving credit line on a card with no annual or monthly fee. The catch is the cost of borrowing: 21.59% sits well above the 4.9 picture here, and a hard check decides who is accepted.

Key facts

Best for
A small, fee-free revolving credit line in Spain for short-term spending, settled in full each month.
APR
21.59%↗
Loan amount
up to €1,500↗
Term
1 month↗
Arrangement fee
0 EUR (card issuance and annual maintenance)↗
Credit check
Hard↗
Funding time
Immediate: credit line available on card activation↗
Representative example
AXI Card: 500 EUR line drawn in full, 19.71% annual interest, payment of 508.10 EUR in the payment period, total cost of credit 8.10 EUR (TAE 21.59%)↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
DNI for Spanish citizens; NIE plus passport for non-Spanish residents; no ASNEF registration and no debts overdue more than 30 days↗
Loan types
Credit-line, Personal↗
Credit needed
Fair↗
Legal entity
Access Finance SL↗
Headquarters
Spain↗
Support channels
Phone, Email, Help-centre↗
Pricing model
Fixed rate
Features
Credit line
Official website
axi-card.es

Credit cards

Annual fee
€0↗
Currency conversion fee
0%↗
Rewards type
None↗
Card kind
Credit↗

Savings

Headline rate
21.59%↗
Access terms
Revolving credit line up to 1500 EUR, repaid in full between day 1 and day 5 of the following month, or a minimum monthly payment of 19% of the total payable↗
Monthly fee
€0↗
Account kind
Easy access↗

Facts checked September 26, 2026, 8 sources

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedInekomi.es

Pros and cons

Pros

  • No annual fee of €0 and no monthly fee of €0 on the credit card, so an unused line costs nothing to hold
  • Funding is Immediate: credit line available on card activation, with the credit line live as soon as the card is activated
  • Early repayment is free, so paying the balance in full shortens the interest charged rather than adding a charge
  • Both a credit line and personal loans sit under credit line and personal, giving more than one way to borrow from the same lender
  • Support runs on phone, email and help centre, so help is reachable by phone, email and a help centre

Cons

  • Interest is the real cost: 21.59% is above the 15.5% typical of comparable borrowing, and the fixed rate does not fall with a longer relationship
  • The line is small at up to €1,500, so anything larger needs another lender, unlike Creduma ES which starts at from €12,000
  • Applications run a hard credit check, and fair credit history is the stated bar, with no softer prequalification step
  • There are no rewards, none on the card, so spending earns nothing back
AXI Card Tarjeta y Credito

Ready to try AXI Card Tarjeta y Credito?

Scored 9.0 / 10 by SumCue.

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Who it suits

  • Adults resident in Spain with a DNI, or a NIE plus a passport if they are not a Spanish citizen
  • People who already clear their card balance in full each month and treat the line as a short bridge
  • Borrowers comfortable with a revolving balance rather than a fixed personal loan repayment

Who should look elsewhere

  • Anyone needing a large one-off sum, where Creduma ES and its from €12,000 floor is a better fit
  • Borrowers wanting cheaper credit, since Sofkredit charges 10.74% to 18.06%
  • Applicants with overdue debts or an ASNEF registration, who are turned away on eligibility

Application and funding speed

Speed is the strongest part of this offer. Funding time is Immediate: credit line available on card activation, so the line is usable as soon as the card is activated rather than after a wait. The account kind is easy access: a revolving line that stays open and is drawn as needed, which suits a month where spending arrives before income does. The size of that line is the limit. Loan amounts run to up to €1,500, and the term listed is 1, which matches the monthly cycle the balance is meant to clear in. Readers comparing on funding speed should note that not every lender shows an immediate line, since same day funding appears on only 30.8% of the site, and a credit line feature on 10.8%. A revolving line of this size works for short gaps. It does not stretch to a car, a kitchen or a consolidation project.

Safety of your money

The representative example is the clearest guide to what you actually pay. It sets out a line drawn in full, the annual interest applied, the payment due across the payment period and the total cost of credit, which works out at a TAE of 21.59%. Read it closely: the cash cost of the credit is small, but only because the balance is cleared quickly, and the percentage is what matters over a longer carry. On the side of the money, the lender kind is direct lender, so credit is arranged by the named company rather than by an intermediary, and the borrower deals with a single counterparty. This is a credit arrangement, not a deposit account, so there is no deposit protection to describe and the safety question is about the rate you pay and the clarity of the example above.

Rates and costs

Fees are the soft spot and interest is the hard one. The APR is 21.59% and the rate type is fixed, so the rate holds rather than moving with a base rate, though a fixed rate here is a fixed rate on revolving credit and not a promise of a cheaper future deal. Against that, the fee side is unusually clean: the annual fee is €0 and the origination fee is 0 EUR (card issuance and annual maintenance), with a monthly fee of €0. For scale, 21.59% sits above the 15.5% median and the 27.8% upper quartile across the site, and Sofkredit quotes 10.74% to 18.06% on its own borrowing. The representative example again shows the shape of the cost: a small total cost of credit over one monthly cycle, but compounding interest is what turns a carried balance expensive. Early repayment is free, which is the practical way to keep the figure down, and settling the line in full at the start of the following month is the cheapest way to use it. Card spending outside euro carries no conversion charge, at 0%, so travel does not add a hidden cost on top.

Where it sits among rivals

On the measures readers weigh, this sits mid-table rather than near the top. Ranked on loan amount it places 226 out of 665, which reflects a genuinely small line rather than a small line in a long list. On APR it places 244 out of 338, so the rate is towards the expensive end of the borrowing field. On term it places 204 out of 226, the strongest of the three positions, because a monthly revolving cycle is a common shape. The overall score of 4.6 splits into 4.9 for cost and 4.2 for offer, and the split tells the story: the absence of fees pulls cost up, while the size of the line and the rate hold the offer back.

Regulation and registers

The lender kind is direct lender, which means the credit is written by the company you apply to rather than matched through a broker, so the contract is with one named entity throughout. Direct lending also means the borrower sees a single set of terms, which is easier to check against the representative example than a broker arrangement. What sits outside this product is worth noting plainly: the listed regulator is Banco Nacional de Bulgaria, in Bulgaria, which is not the market this credit line is written for, and the entity behind it is established in Spain. Readers who want the register position of a Spanish lender should confirm it with the Spanish authorities before committing, since the licence detail here does not cover a Spanish registration.

Who runs it

The company behind the card is Access Finance SL, the legal entity named in its own notice, and the headquarters country is ES, so this is a Spanish operation. That matters for a Spanish credit file and Spanish documentation, since the eligibility terms call for a DNI for Spanish citizens and a NIE plus a passport for non-Spanish residents, with no ASNEF registration and no debts overdue by more than a waiting period. On contact, support runs on phone, email and help centre: phone, email and a help centre, with no live chat or community forum, so a question about a statement or a payment date is handled by phone or email rather than in the moment. Direct lending from a named Spanish company, with a single point of contact, is the shape here.

How AXI Card Tarjeta y Credito compares

Where AXI Card Tarjeta y Credito is available

Available
Bulgaria, Spain
Licence in Bulgaria
Banco Nacional de Bulgaria, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does AXI Card charge to borrow?+

The rate is the main cost. 21.59% is the APR and the rate type is fixed. The representative example sets out the annual interest and the total cost of credit on a fully drawn line, settled across one payment period. Clearing the line in full at the start of the following month keeps that cost down.

Are there any fees on the card itself?+

No annual or monthly charge is listed. The annual fee is €0, the monthly fee is €0 and the origination fee is 0 EUR (card issuance and annual maintenance), which covers card issuance and annual maintenance. Currency conversion on the card is 0%, so spending outside euro adds nothing to the bill.

How much can I borrow and for how long?+

The revolving line runs to up to €1,500 and the term is 1, matching the monthly cycle. The account kind is easy access, so you draw what you need and settle it in the following month, either in full or with a minimum monthly payment set as a share of the total payable.

How fast do I get the money?+

Funding is Immediate: credit line available on card activation, so the line is usable as soon as the card is activated. There is no waiting period between approval and the card being usable, which is the practical difference against lenders that fund over a longer period.

Who am I dealing with and how do I reach them?+

The lender is direct lender, so the credit comes from the named company rather than a broker, and the legal entity is Access Finance SL with its headquarters in Spain. Support runs on phone, email and help centre: phone, email and a help centre.

What credit history do I need to qualify?+

Applications run a hard credit check and the stated bar is fair credit history, so this is aimed at people with a reasonable record. Eligibility also requires no ASNEF registration and no debts overdue by more than a waiting period, with a DNI for Spanish citizens or a NIE plus a passport for others.

Can I clear the balance early without a charge?+

Yes. Early repayment is free, so paying the line in full ahead of the due date simply stops interest building. That matters more here than usual because the fixed rate means a carried balance is the expensive part of this product, not the fees.

Is the money protected the way a deposit would be?+

This is credit, not a deposit account, so there is no deposit protection to point to and the question turns on the rate and the terms instead. The representative example is the reference: a TAE of 21.59% and a stated total cost of credit on a up to €1,500 line drawn in full across one payment period.

Sources

Compiled from 8 source pages, checked September 26, 2026. We did not open an account.

AXI Card Tarjeta y Credito

AXI Card Tarjeta y Credito

A small, fee-free revolving credit line in Spain for short-term spending, settled in full each month.

9.0/10Visit