Updated September 29, 2026 · SumCue Editorial Team
Creduma ES vs ICICI Bank
Creduma ES
ICICI Bank
Higher score in this comparison
What sets them apart
| Compare | Creduma ESReviewVisitVisit | ICICI BankReviewVisitVisit |
|---|---|---|
| Loan amount | from €12,000 | ₹50,000 to ₹5,000,000 |
| Arrangement fee | 0 EUR upfront: no advance commissions and no initial payments, fees charged only if a real solution is obtained | Up to 2% of loan amount plus taxes (Personal Loan processing charge) |
| Credit check | Soft prequal | Hard |
| Funding time | Offer in under 24 hours; money in the account in 7 days after signing | Instant disbursement |
| Lender type | Broker | Direct lender |
| Eligibility | Residents in Spain aged 18 or over who own a property used as collateral (aval hipotecario) | Indian citizens aged 18-58 years; salaried minimum monthly income 30,000 rupees |
| Loan types | Secured, Debt consolidation | Personal, Debt consolidation |
| Credit needed | Poor | Good |
| APR | Not confirmed | 9.99% to 16.5% |
| Term | Not confirmed | 12 to 72 months |
| Rate type | Not confirmed | Variable |
| Free early repayment | Not confirmed | No |
| Origination fee (%) | Not confirmed | 2% |
| Use cases | Not confirmed | Home improvement |
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.
Key differences
- ICICI Bank scores higher overall: 8.9 vs 8.8.
- Loan types: only Creduma ES offers Secured.
- Loan types: only ICICI Bank offers Personal.
Our verdict on each
Creduma ES
Creduma suits adults resident in Spain who own a home and seek secured debt consolidation through a broker. Loans start at from €12,000 with prequalification shown as soft prequal and support through email and phone. Funding involves an offer after a short wait with payout after a waiting period following signing.
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 | Creduma ES | ICICI Bank |
|---|---|---|
| Cost | Not confirmed | 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 | 9.2Offer strength reflects secured and debt consolidation focus shown in secured and debt consolidation for home equity needs. | 9.4Higher |
| Trust | 8.5Trust reflects brokerage model described in broker with prequalification shown in soft prequal. | 9.0Higher |
Availability and regulation
| Country | Creduma ES | ICICI Bank |
|---|---|---|
| India | Not confirmed |
Additional countries for Creduma ES: 1. Additional countries for ICICI Bank: 1.
Where they rank in our lists
| Ranking | Creduma ES | ICICI Bank |
|---|---|---|
| Loans | 43 of 2043 | 124 of 2043 |
| Mortgages | 3 of 853 | 13 of 853 |
Side by side, item by item
| Loan types | Creduma ES | ICICI Bank |
|---|---|---|
| Personal | No | Yes |
| Debt consolidation | Yes | Yes |
| Secured | Yes | No |
Sources behind this comparison
Creduma ES
- creduma.com: 8 facts, checked September 26, 2026
ICICI Bank
- icici.bank.in: 20 facts, checked September 26, 2026
Every fact side by side
| Fact | Creduma ES | ICICI Bank |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Not confirmed | Rewards |
| Legal entity | Not confirmed | ICICI Bank Ltd. |
| Headquarters | Not confirmed | India |
| Founded | Not confirmed | 1994 |
| Support channels | Not confirmed | Phone, Help centre, Chat |
Mortgages
| Fact | Creduma ES | ICICI Bank |
|---|---|---|
| Initial rate | Not confirmed | 7.55% |
| Maximum loan to value | Not confirmed | 80% to 90% |
| Product fee | €0 | Not confirmed |
| Purpose | Remortgage, Home equity | Purchase, Remortgage |
Savings
| Fact | Creduma ES | ICICI Bank |
|---|---|---|
| Headline rate | Not confirmed | 2.5% |
| Minimum deposit | Not confirmed | ₹2,500 to ₹15,000 |
| Access terms | Not confirmed | Easy access to funds: cash withdrawals, utility bill payments and online fund transfers through UPI, IMPS, NEFT and RTGS |
| Account kind | Not confirmed | Easy access |
Where each stands against the rest
| Fact | Creduma ES | ICICI Bank | Median |
|---|---|---|---|
| APR | Not confirmed | 9.99% to 16.5%at the median | 9.99 |
| Term | Not confirmed | 12 to 72 monthsabove the median | 60 |
| Origination fee (%) | Not confirmed | 2%above the median | 0% |
Median across 1096 listed providers.
Pros and cons
Creduma ES
Pros
- Secured and debt consolidation focus shown in secured and debt consolidation suits homeowners aiming to combine debts against property value
- Starting loan size of from €12,000 suits larger home equity plans, above Ibancar Prestamos amounts of €600 to €8,000
- Prequalification shown in soft prequal allows initial review with less impact than a full hard check
Cons
- Support runs on email and phone only, which limits choice for people who prefer chat or help centre contact.
- Funding relies on a broker path shown in broker, so approval depends on partner lenders rather than direct lending.
- Borrowing is tied to remortgage and home equity and property collateral, so renters or owners unwilling to pledge a home face a barrier.
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
Creduma ES
Who it suits
- Homeowners in Spain seeking secured borrowing with loans of from €12,000
- Applicants with weaker credit shown as poor who can pledge property as collateral
- Borrowers seeking remortgage or home equity uses shown in remortgage and home equity via a broker shown in broker
Who should look elsewhere
- Renters or borrowers without pledgeable property, where Ibancar Prestamos with amounts of €600 to €8,000 may be more relevant
- Borrowers seeking small unsecured advances, where DKB with amounts of €2,500 to €100,000 may be more relevant
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
Creduma ES
Current offer
Discount code
Free financial case study (estudio gratuito): 0 EUR, no upfront payment
Prequalification study with no commitment; fees are only charged if a real solution is obtained, with no advance commissions or initial payments
Source, checked September 26, 2026
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 | Creduma ES | ICICI Bank |
|---|---|---|
| India | No | Yes |
| Spain | Yes | No |
Questions about each
Creduma ES
What type of loans does Creduma arrange?+
Creduma arranges secured borrowing and debt consolidation loans shown in secured and debt consolidation. It focuses on home equity and remortgage needs shown in remortgage and home equity. Applicants are adults resident in Spain who own property pledged as collateral. The broker path means terms depend on the matched lender.
How large are Creduma loan amounts?+
Loan sizes start at from €12,000. That level points to larger secured borrowing rather than small unsecured advances. Applicants should compare that starting point with Ibancar Prestamos amounts of €600 to €8,000 and DKB amounts of €2,500 to €100,000 to gauge fit for debt consolidation.
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.
Other options to compare
Other matchups
- ICICI Bank vs Nexo
- Creduma ES vs Grenada Co-operative Bank
- Creduma ES vs National Bank of Malawi Mo626 Digital+
- Creduma ES vs LowestRates.ca
- Creduma ES vs NCB Jamaica
- Creduma ES vs Sofkredit
- ICICI Bank vs DKB
- Creduma ES vs DKB (Deutsche Kreditbank)
- ICICI Bank vs Qonto
- ICICI Bank vs AXI Card Tarjeta y Credito
- ICICI Bank vs Vexi
- Creduma ES vs Lendela
- ICICI Bank vs Current Build Card
- Creduma ES vs AU Small Finance Bank
- Creduma ES vs CHECK24
- ICICI Bank vs Upgrade
- ICICI Bank vs Wirex
- Creduma ES vs LEND.ch
- ICICI Bank vs KTC credit card
- Creduma ES vs Alior
- Creduma ES vs Borrowell
- Creduma ES vs CIMB Bank