Updated September 28, 2026 · SumCue Editorial Team
AXI Card Tarjeta y Credito vs ICICI Bank
AXI Card Tarjeta y Credito
Higher score in this comparison
ICICI Bank
Where AXI Card Tarjeta y Credito and ICICI Bank differ
| Compare | AXI Card Tarjeta y CreditoReviewVisitVisit | ICICI BankReviewVisitVisit |
|---|---|---|
| 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 |
| Rate type | Fixed | Variable |
| 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), Lender type (Direct lender).
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Key differences
- AXI Card Tarjeta y Credito scores higher overall: 9.0 vs 8.9.
- AXI Card Tarjeta y Credito is available in 1 more country.
- APR is lower at ICICI Bank: 9.99% to 16.5% vs 21.59%.
- Free early repayment: only AXI Card Tarjeta y Credito.
- Term is higher at ICICI Bank: 12 to 72 months vs 1 month.
- Support channels: only AXI Card Tarjeta y Credito offers Email.
- Support channels: only ICICI Bank offers Chat.
- Features: only AXI Card Tarjeta y Credito offers Credit line.
- Features: only ICICI Bank offers Rewards.
- Loan types: only AXI Card Tarjeta y Credito offers Credit line.
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
ICICI Bank is a full-service Indian bank covering saving, spending and borrowing, so it suits customers who want one provider. The savings account pays 2.5% on a variable rate, with easy access to cash, bill payments and transfers by UPI, IMPS, NEFT and RTGS, and personal loans disburse instantly.
Score breakdown
| Area | AXI Card Tarjeta y Credito | ICICI Bank |
|---|---|---|
| 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). | 8.6Card costs weigh heavy: an annual fee of INR 3,500 on the Sapphiro card, and personal loan rates of 9.99% to 16.5%. |
| Offer | 8.7Credit line to up to €1,500 with Immediate: credit line available on card activation funding. | 9.4Higher |
| Trust | 9.4Higher | 9.0 |
How they place
| Ranking | AXI Card Tarjeta y Credito | ICICI Bank |
|---|---|---|
| Loans | 42 of 2043 | 124 of 2043 |
| Personal loans | 36 of 1317 | 104 of 1317 |
| Credit and debit cards | 13 of 1594 | 43 of 1594 |
| Credit cards | 4 of 421 | 15 of 421 |
Choosing between them
Pick AXI Card Tarjeta y Credito if cost, trust, and free early repayment matter most.
Pick ICICI Bank if offer, apr, and term matter most.
Where each is licensed and available
| Country | AXI Card Tarjeta y Credito | ICICI Bank |
|---|---|---|
| Bulgaria | Not confirmed | |
| India | Not confirmed |
Additional countries for AXI Card Tarjeta y Credito: 2. Additional countries for ICICI Bank: 1.
A third option
Sofkredit has term at 6 to 240 months, against 1 month for AXI Card Tarjeta y Credito and 12 to 72 months for ICICI Bank.
Sofkredit reviewWhere these facts come from
AXI Card Tarjeta y Credito
- axi-card.es: 18 facts, checked September 26, 2026
ICICI Bank
- icici.bank.in: 20 facts, checked September 26, 2026
Every fact side by side
| Fact | AXI Card Tarjeta y Credito | ICICI Bank |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Credit line | Rewards |
| Legal entity | Access Finance SL | ICICI Bank Ltd. |
| Headquarters | Spain | India |
| Founded | Not confirmed | 1994 |
| Support channels | Phone, Email, Help centre | Phone, Help centre, Chat |
Credit cards
| Fact | AXI Card Tarjeta y Credito | ICICI Bank |
|---|---|---|
| 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 |
|---|---|---|
| Headline rate | 21.59%Higher | 2.5% |
| Minimum deposit | Not confirmed | ₹2,500 to ₹15,000 |
| 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 | Easy access to funds: cash withdrawals, utility bill payments and online fund transfers through UPI, IMPS, NEFT and RTGS |
| Monthly fee | €0 | Not confirmed |
| Account kind | Easy access | Easy access |
Mortgages
| Fact | AXI Card Tarjeta y Credito | ICICI Bank |
|---|---|---|
| Initial rate | Not confirmed | 7.55% |
| Maximum loan to value | Not confirmed | 80% to 90% |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | AXI Card Tarjeta y Credito | ICICI Bank | 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
Pros
- Personal loans disburse with Instant disbursement, on amounts of INR 50,000 to INR 5,000,000 over terms of 12 to 72.
- The savings account is easy access, taking a minimum deposit of INR 2,500 to INR 15,000.
- The card pays points on spending, with lounge visits, golf rounds, concierge help and welcome vouchers added.
Cons
- Foreign spend on the card carries a currency conversion fee of 3.5%.
- Personal loan applications run a hard credit check, and good credit is the bar.
- Free early repayment is not offered, so settling a personal loan early carries a charge.
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
Who it suits
- Salaried Indian citizens of adult age who want savings, a card and loans from one bank.
- Savers comfortable with a variable savings rate and borrowers happy with a fixed rate loan.
- Cardholders who want a credit card with lounge, golf and concierge perks on top of points.
Who should look elsewhere
- wise, if a card with no annual fee matters most, since its annual fee is £0.
- bunq, if you would rather hold a euro account with an annual fee of €0 on the card.
- Varo Believe Secured Credit Card, if a secured card with an annual fee of $0 is the better fit.
Current offers
ICICI Bank
Current offer
Bonus
Sapphiro Credit Card welcome vouchers: Vouchers worth over INR 13,000
Upon payment of the joining fee of INR 6,500 + GST; vouchers worth INR 3,000 from Tata CLiQ, INR 4,000 from EaseMyTrip, INR 5,000 from Da Milano, INR 1,500 from Croma and an EazyDiner Prime Membership worth INR 1,095; issued within 45 business days
Source, checked September 26, 2026
Discount code
BookMyShow buy one get one movie offer on Sapphiro Credit Card: Up to INR 500 off the second ticket
From Apr 1, 2026 requires spending INR 25,000 or more on the Sapphiro Credit Card in the preceding spends quarter; one movie offer per month per card variant for dual-network cards
Source, checked September 26, 2026
Bonus
Sapphiro Credit Card milestone reward points: 4,000 reward points on INR 4 lakh annual spend, plus 2,000 points per additional INR 1 lakh, up to 20,000 points
Awarded in an anniversary year on qualifying annual spend
Source, checked September 26, 2026
Country by country
| Country | AXI Card Tarjeta y Credito | ICICI Bank |
|---|---|---|
| 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
What does the card cost to hold each year?+
The annual fee on the card is INR 3,500, which sits above cards that charge nothing. Foreign currency transactions add a conversion fee of 3.5% on top. It is a credit card, so balances are meant to be cleared in full rather than carried.
What rewards does the card pay?+
Rewards come as points, earning more on international spend than on domestic, utility and insurance purchases. The credit card also carries welcome vouchers with travel, dining and retail partners, lounge visits, golf rounds, a round the clock concierge service, air accident cover and a fuel surcharge waiver.
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