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Isracard review

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

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Our verdict

Isracard is a long-standing Israeli card and non-bank lender, with a credit card paying 0.75% to 1% and a prepaid card aimed at kids. It suits people already banking in Israel who want cashback alongside a personal loan from the same provider, though the prepaid card adds a charge after the free period.

Key facts

Best for
Israeli residents holding an Isracard card who want cashback and a personal loan in one place
Currency conversion fee
2.9%↗
Rewards type
Cashback↗
Rewards rate
up to 1% cashback per purchase in the first year, up to 0.75% from the second year, capped at 400 ILS accrual per month↗
Perks
Up to 1,200 ILS cashback a year, Digital gift card usable as a mobile wallet card, Double cashback when linked with Topcash, Up to 10% discount with mycash.style, Extra non-bank revolving credit limit, Up to 14 days free travel insurance extension, 0% foreign currency fee promotion↗
Cashback rate
0.75% to 1%↗
Card kind
Credit↗
Legal entity
Isracard Ltd↗
Headquarters
Israel↗
Founded
1975↗
Support channels
Phone, Chat↗
Features
Rewards
Audience
Kids
Official website
isracard.co.il

Loans

Loan amount
₪5,000 to ₪200,000↗
Term
18 to 100 months↗
Arrangement fee
0 ILS (no account opening fee)↗
Funding time
Disbursed within 1 business day of the application date↗
Representative example
Loan for any purpose of NIS 50,000 over 50 payments at prime +5.00% = 9.75% annual interest, effective rate 10.20%, estimated monthly payment NIS 1,228↗
Rate type
Variable↗
Lender type
Direct lender↗
Eligibility
Ages 21 and over, hold an Isracard credit card, customers of any Israeli bank↗
Loan types
Personal↗
Use cases
Home-improvement↗

Debit cards

Monthly fee
₪0↗
Card type
Prepaid↗
Top-up fee
Free for the first 3 months, then ILS 3.5 per top-up↗
Card network
Mastercard↗

Facts checked September 26, 2026, 6 sources

Pros and cons

Pros

  • The credit card pays cashback of 0.75% to 1%, and holders can pick up a up to 1,200 ILS cashback a year, digital gift card usable as a mobile wallet card and double cashback when linked with Topcash
  • The prepaid card has no monthly fee, with a Free for the first 3 months, then ILS 3.5 per top-up charge per top-up
  • The non-bank loan runs ILS 5,000 to ILS 200,000 over 18 to 100 with 0 ILS (no account opening fee) to arrange
  • Money is Disbursed within 1 business day of the application date

Cons

  • The loan rate is variable, so payments move with the prime rate.
  • Foreign currency spend costs 2.9% against a market median of 1%.
  • Support runs on phone and chat only.
Isracard

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Scored 8.9 / 10 by SumCue.

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Who it suits

  • Israeli cardholders who spend most days of the year at home and want cashback on everyday purchases
  • Parents looking for a prepaid card for kids
  • Borrowers who need a personal loan for home improvement and already bank in Israel

Who should look elsewhere

  • Anyone living outside Israel, since the cards and the loan come from a lender headquartered in Israel
  • People who want a fixed repayment figure, because the loan rate is variable
  • Travellers who pay a foreign currency fee of 2.9% on every purchase

Rates and terms

The non-bank personal loan is priced at a variable rate tied to the prime rate, so the interest charged can shift during the term. Borrowers can take ILS 5,000 to ILS 200,000 and spread repayments across 18 to 100. Arranging the loan costs 0 ILS (no account opening fee). The lender describes the loan as personal, aimed at uses such as home improvement, and funds within Disbursed within 1 business day of the application date of applying.

Who runs it

Isracard operates as Isracard Ltd, a direct lender rather than a broker, and is based in Israel. The company has been running since 1975, giving it a long record in Israeli consumer credit. Customers can reach the business on phone and chat, which covers phone and chat. Its range spans credit cards, prepaid cards and personal loans.

How Isracard compares

Where Isracard is available

Available
Israel

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

Frequently asked questions

What does the Isracard credit card pay in cashback?+

Purchases earn cashback of 0.75% to 1%, and the rewards type is cashback. Cardholders can pick up extras listed as up to 1,200 ILS cashback a year, digital gift card usable as a mobile wallet card and double cashback when linked with Topcash, which includes a digital gift card and extra non-bank revolving credit.

Is the prepaid card free to hold?+

The prepaid card has a monthly fee of ILS 0, so there is no charge for keeping it open. Top-ups are covered by Free for the first 3 months, then ILS 3.5 per top-up, which is the only ongoing cost on the account. It runs on the mastercard network and is aimed at kids.

How much can I borrow and for how long?+

The non-bank loan covers ILS 5,000 to ILS 200,000 with terms of 18 to 100. It is a direct lender arrangement, and setting one up costs 0 ILS (no account opening fee). Repayment is scheduled monthly once the money is disbursed.

How quickly is loan money paid out?+

Funding is Disbursed within 1 business day of the application date, so applicants do not wait long after applying. The loan is for personal use rather than secured borrowing, and it is aimed at purposes such as home improvement.

Is the loan interest rate fixed?+

The rate type is variable, which means the interest charged can rise or fall with the underlying prime rate. Borrowers who want a payment that stays the same for the whole term should check the current figure before applying.

What are the fees for spending abroad?+

Foreign currency spending on the prepaid card carries a fee of 2.9%. The comparison median across the site sits at 1%, with a lower quartile of 0% and an upper quartile of 2.5%, so this rate sits above the middle of the market.

Who can apply for the Isracard loan?+

Eligibility is limited to adults of a minimum age who already hold an Isracard credit card. The requirement covers customers of any Israeli bank, so an existing banking relationship is needed but no particular bank is required.

Who is behind Isracard and how do I get help?+

The provider is Isracard Ltd, a direct lender based in Israel and running since 1975. Support is available on phone and chat, covering phone and chat for account and loan questions.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Annual fee, APR.

Isracard

Isracard

Israeli residents holding an Isracard card who want cashback and a personal loan in one place

8.9/10See alternatives