Updated September 28, 2026 · SumCue Editorial Team
AXI Card Tarjeta y Credito vs ICICI Bank Credit Cards
AXI Card Tarjeta y Credito
ICICI Bank Credit Cards
Higher score in this comparison
What sets them apart
| Compare | AXI Card Tarjeta y CreditoReviewVisitVisit | ICICI Bank Credit CardsReviewVisitVisit |
|---|---|---|
| APR | 21.59% | 9.99% to 16.5%Lower |
| Loan amount | up to €1,500 | ₹50,000 to ₹5,000,000 |
| Term | 1 month | 12 to 72 monthsHigher |
| Arrangement fee | 0 EUR (card issuance and annual maintenance) | Up to 2% of loan amount plus taxes (Personal Loan processing charge) |
| Funding time | Immediate: credit line available on card activation | Instant disbursement |
| Free early repayment | YesHas it | No |
| Eligibility | DNI for Spanish citizens; NIE plus passport for non-Spanish residents; no ASNEF registration and no debts overdue more than 30 days | Indian citizens aged 18-58 years; salaried minimum monthly income 30,000 rupees |
| Loan types | Credit line, Personal | Personal, Debt consolidation |
| Credit needed | Fair | Good |
| 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%) | Not confirmed |
| Origination fee (%) | Not confirmed | 2% |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard), Rate type (Fixed), Lender type (Direct lender).
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Key differences
- ICICI Bank Credit Cards scores higher overall: 9.1 vs 9.0.
- AXI Card Tarjeta y Credito is available in 1 more country.
- APR is lower at ICICI Bank Credit Cards: 9.99% to 16.5% vs 21.59%.
- Free early repayment: only AXI Card Tarjeta y Credito.
- Term is higher at ICICI Bank Credit Cards: 12 to 72 months vs 1 month.
- Support channels: only ICICI Bank Credit Cards offers Chat.
- Features: only AXI Card Tarjeta y Credito offers Credit line.
- Features: only ICICI Bank Credit Cards offers Same day funding.
- Loan types: only AXI Card Tarjeta y Credito offers Credit line.
- Loan types: only ICICI Bank Credit Cards offers Debt consolidation.
Our verdict on each
AXI Card Tarjeta y Credito
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.
ICICI Bank Credit Cards
ICICI Bank offers a personal loan of INR 50,000 to INR 5,000,000 alongside a points credit card with lounge and fuel perks, suiting Indian salaried borrowers who want one bank for loans and spending. Costs weigh it down, since the loan fee and card charges stack on the interest.
Score breakdown
| Area | AXI Card Tarjeta y Credito | ICICI Bank Credit Cards |
|---|---|---|
| Cost | 8.9HigherAnnual fee €0, monthly fee €0 and free early repayment, offset by 21.59% interest and 0 EUR (card issuance and annual maintenance). | 8.6Loan interest of 9.99% to 16.5%, an arrangement fee of 2% plus taxes, and a card annual fee of INR 3,500. |
| Offer | 8.7Credit line to up to €1,500 with Immediate: credit line available on card activation funding. | 9.4Higher |
| Trust | 9.4 | 9.4 |
Which one suits you
Pick AXI Card Tarjeta y Credito if cost and free early repayment matter most.
Pick ICICI Bank Credit Cards if offer, apr, and term matter most.
Feature by feature
| Loan types | AXI Card Tarjeta y Credito | ICICI Bank Credit Cards |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | No | Yes |
| Credit line | Yes | No |
How they place
| Ranking | AXI Card Tarjeta y Credito | ICICI Bank Credit Cards |
|---|---|---|
| Loans | 42 of 2043 | 98 of 2043 |
| Personal loans | 36 of 1317 | 83 of 1317 |
| Credit and debit cards | 13 of 1594 | 27 of 1594 |
| Credit cards | 4 of 421 | 10 of 421 |
Every fact side by side
| Fact | AXI Card Tarjeta y Credito | ICICI Bank Credit Cards |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Credit line | Same day funding |
| Legal entity | Access Finance SL | ICICI Bank Limited |
| Headquarters | Spain | India |
| Founded | Not confirmed | 1994 |
| Support channels | Phone, Email, Help centre | Phone, Email, Chat, Help centreCovers more |
Credit cards
| Fact | AXI Card Tarjeta y Credito | ICICI Bank Credit Cards |
|---|---|---|
| Annual fee | €0 | ₹3,500 |
| Currency conversion fee | 0%Lower | 3.5% |
| Rewards type | None | Points |
| Rewards rate | Not confirmed | 4 points per INR 100 international spend, 2 points per INR 100 domestic spend, 1 point per INR 100 utility and insurance spend |
| Perks | Not confirmed | Welcome vouchers worth over INR 13,000 from Tata CLiQ, EaseMyTrip, Da Milano, Croma and EazyDiner, 2 complimentary international and 4 domestic airport lounge visits, Up to 4 complimentary golf rounds per month, 24/7 concierge service (i Assist), Air accident insurance cover up to INR 3 crore, 1% fuel surcharge waiver on fuel transactions up to INR 4,000, BookMyShow movie offers, up to INR 500 off the second ticket |
| Card kind | Credit | Credit |
Savings
| Fact | AXI Card Tarjeta y Credito | ICICI Bank Credit Cards |
|---|---|---|
| Headline rate | 21.59% | Not confirmed |
| 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 | Not confirmed |
| Monthly fee | €0 | Not confirmed |
| Account kind | Easy access | Not confirmed |
Where each stands against the rest
| Fact | AXI Card Tarjeta y Credito | ICICI Bank Credit Cards | Median |
|---|---|---|---|
| APR | 21.59%highest quarter | 9.99% to 16.5%at the median | 9.99% |
| Term | 1 monthlowest quarter | 12 to 72 monthsabove the median | 60 months |
| Origination fee (%) | Not confirmed | 2%above the median | 0% |
Median across 1096 listed providers.
Pros and cons
AXI Card Tarjeta y Credito
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
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
ICICI Bank Credit Cards
Pros
- Personal loans from INR 50,000 to INR 5,000,000 over 12 to 72, priced on a fixed-rate basis.
- Money moves fast: same day funding and Instant disbursement for approved loans.
- A direct lender offering personal and debt consolidation loans, so the bank sets the terms itself.
Cons
- Free early repayment is listed as no, so clearing the balance before the term ends carries a cost.
- Card running costs add up: INR 3,500 a year plus 3.5% on currency conversion.
- The loan applies a hard credit check and asks for good credit.
Who each suits
AXI Card Tarjeta y Credito
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
ICICI Bank Credit Cards
Who it suits
- Salaried Indian citizens who meet the bank's minimum age and monthly income test.
- Borrowers consolidating debt or funding home improvement on a fixed-rate personal loan.
- Card holders who travel and care about lounge access, concierge help and a fuel surcharge waiver.
Who should look elsewhere
- Borrowers after euro lending: Creduma ES works from from €12,000.
- Rate shoppers comparing lenders in other markets: Sofkredit lists 10.74% to 18.06% and Cashspace PHP 12 to PHP 36, both in different currencies.
- Anyone wanting a card with no annual charge, since this card's fee is INR 3,500.
Current offers
ICICI Bank Credit Cards
Current offer
Bonus
Sapphiro Credit Card welcome vouchers with BookMyShow buy one get one offer
Sapphiro Credit Card only; includes international and domestic airport lounge access
Source, checked September 26, 2026
Country by country
| Country | AXI Card Tarjeta y Credito | ICICI Bank Credit Cards |
|---|---|---|
| Bulgaria | Yes | No |
| India | No | Yes |
| Spain | Yes | No |
Questions about each
AXI Card Tarjeta y Credito
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.
ICICI Bank Credit Cards
What does a personal loan from ICICI Bank cost?+
Interest runs at 9.99% to 16.5% on a fixed-rate basis, and the arrangement fee is 2% of the loan amount plus taxes. Free early repayment is listed as no, so closing the balance before the end of 12 to 72 carries a cost.
How much can I borrow, and for how long?+
Loans run from INR 50,000 to INR 5,000,000 over 12 to 72. The site median amount for this kind of lending is €526.18 and the median term is 36, so both the ceiling and the longest term sit well above the middle of the market.
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