AXI Card Tarjeta y Credito review

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

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Our verdict

AXI Card Tarjeta y Credito suits Spanish residents who want a small, revolving line on a card rather than a long loan. Costs are light on setup at 0 EUR (card issuance and annual maintenance), but 21.59% sits above the site median of 12% and each payment period is 1.

Key facts

Best for
A small Spanish credit line on a card you already use, cleared inside a short payment period.
APR
21.59% (Source, checked September 26, 2026)
Loan amount
up to €1,500 (Source, checked September 26, 2026)
Term
1 month (Source, checked September 26, 2026)
Arrangement fee
0 EUR (card issuance and annual maintenance) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Immediate: credit line available on card activation (Source, checked September 26, 2026)
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%) (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
DNI for Spanish citizens; NIE plus passport for non-Spanish residents; no ASNEF registration and no debts overdue more than 30 days (Source, checked September 26, 2026)
Loan types
Credit-line, Personal (Source, checked September 26, 2026)
Credit needed
Fair (Source, checked September 26, 2026)
Legal entity
Access Finance SL (Source, checked September 26, 2026)
Headquarters
Spain (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Credit line
Official website
axi-card.es

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedInekomi.es

Pros and cons

Pros

  • Early repayment is free, so a balance cleared inside the payment period stops accruing interest.
  • Help is reachable on phone, email and help centre, which covers a phone line, an email address and a help centre.
  • The rate type is fixed, so the interest charged on a drawn balance holds steady between payment periods.
  • The lender writes directly as direct lender, so the company named in your agreement is the company you deal with.

Cons

  • Interest runs at 21.59%, above the site median of 12% and above the starting point of the range Monzo Flex quotes at 10% to 23%.
  • Applications run a hard credit check, so an application leaves a full search on the file whatever the outcome.
  • The line stops at up to €1,500, so it will not stretch to a large expense.
  • The term is 1 against a site median of 36, so a balance left unpaid keeps costing interest rather than being spread out.
AXI Card Tarjeta y Credito

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Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • Borrowers in Spain who want a credit line attached to a card they use weekly and repay quickly.
  • Anyone who prefers to clear a balance early, since early repayment costs nothing.
  • Applicants with fair credit and no ASNEF registration who can pass a full credit check.

Who should look elsewhere

  • Monzo Flex, whose quoted range of 10% to 23% starts below the 21.59% charged here.
  • Cashspace ES, which lists an APR of 0% and so charges nothing on a balance.
  • Cashspace, which quotes PHP 12 to PHP 36 and suits readers who want to compare rates across markets before settling on a card.

Where it sits among rivals

On loan amount it ranks 238 of 685 brands, on APR 255 of 350, and on term 211 of 232. Taken together those ranks describe a compact revolving product rather than a long personal loan. The amount rank is the clearest signal: this is a small line attached to a card, and the term rank confirms the balance is meant to be cleared quickly. Sitting near the front of the term table says more about the design than about value, and readers who scan this table by term alone can mistake a short payment period for a bargain. The APR rank, low down its own table, points the other way on price.

Safety and regulation

AXI Card is a direct lender, written as direct lender, so the credit lives on a card the company itself issues rather than being passed on to a third party after an application. The representative example does the useful work here: it sets out a line drawn in full, the interest charged on what is drawn, and the total cost of credit stated alongside the TAE. That disclosure is the part that matters on a revolving product, because a balance looks cheap inside a single payment period and expensive once repeated. With a named legal entity on the agreement, the counterparty is visible before anyone signs.

Rates and costs

The headline cost is 21.59%, which the representative example links to a total cost of credit once the line is drawn in full. Opening and keeping the card costs 0 EUR (card issuance and annual maintenance), covering both card issuance and the annual maintenance charge, so nothing is charged simply to hold the account. That leaves interest as the only real bill, and early repayment is free, which makes clearing a balance before the payment period closes the cheapest route available. Read the example carefully, though: its figures describe a single drawn amount over a single payment period, and the same rate keeps applying to whatever balance you leave outstanding.

Regulation

The one thing to establish here is the lending model, and it is a direct lender. Direct lending means a single counterparty, the company named in your own agreement, and a quoted price that is the price you pay. There is no comparison step, no referral onward to another lender, and no intermediary margin layered on top of the rate. For readers who like to see a spread of offers before committing, that single-path structure is the trade-off to weigh, and it also means any complaint is handled by the same firm that issued the card.

Applying and getting the money

Speed is the strongest part of the deal, and funding is Immediate: credit line available on card activation. There is no gap between approval and access: the line is live once the card is activated, and the drawn amount moves as you use it. The ceiling on the line is up to €1,500, and the payment period is 1, so the product is built for short spending bursts and quick clearance rather than a long instalment plan. A modest limit is coherent with that design, covering a bill or a repair and repaid from the next statement, but it is not the shape of a loan for a large one-off bill.

Who runs it

The contract is with Access Finance SL, based in Spain, so this is a Spanish lender rather than an overseas marketplace or a referral platform. Support runs on phone, email and help centre, which means a phone line, an email address and a help centre for anyone who wants to work through a statement, a payment date or a fee. On a revolving balance the practical question is whether you can reach a person quickly when something looks wrong on a statement, and a named legal entity in a single market makes that easier to check and to pursue.

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 it cost to open and keep the card?+

Opening the card and keeping it active each year costs 0 EUR (card issuance and annual maintenance). That figure covers both card issuance and the annual maintenance charge, so there is no separate setup fee layered on top of the credit. The cost to watch sits in the interest rate instead, set at 21.59% and accruing on whatever balance you carry.

How is the rate set, and can it move?+

The rate type is fixed and the pricing model is a fixed rate, so the interest charged on a drawn balance holds steady between payment periods. The headline figure is 21.59%. The published terms describe that single rate rather than a promotional opening rate that later resets, so the figure on offer is the figure you pay.

How much can I borrow, and over what term?+

The credit line ceiling is up to €1,500 and the payment period is 1. That pairing suits short spending bursts, such as a bill or a repair, repaid from the following statement, rather than a large expense spread over years. Because the ceiling is modest, anyone needing a serious sum should weigh other lenders before applying.

How quickly can I use the money?+

Funding is Immediate: credit line available on card activation. In practice that means there is no waiting period between approval and access: the line is usable as soon as the card is activated, with the amount drawn from the card balance as you need it. For an emergency expense, that speed removes the main argument against applying while an offer is open.

What credit check and credit history do I need?+

Applications run a hard credit check, so a decision follows a full search rather than a soft prequalification. The stated credit bar is fair, and the eligibility rules add that applicants must not be registered in ASNEF and must carry no debts overdue beyond a brief window. Applicants with fair credit can therefore qualify, but they should expect a full search on their file.

Can I apply from outside Spain?+

Availability is limited to residents of ES: Spanish citizens apply with a DNI, and non-Spanish residents need an NIE plus a passport. Applicants must also have no ASNEF registration and no debts overdue beyond a brief window, so the product serves people settled in a single market rather than applicants elsewhere.

Can I repay early without a penalty?+

Early repayment is free, so there is no charge for clearing a balance before the payment period closes. With a payment period of 1 and interest at 21.59%, paying before the balance settles stops it accruing, which is the single most effective way to cut the total cost of credit on a revolving line.

How do I get help with the account?+

Support runs on phone, email and help centre, so you can reach the team by phone, by email or through the help centre without leaving the card. The legal entity behind the product is Access Finance SL, which is the name to quote on any dispute about a payment or a fee. Because the lender sits in a single market, questions about the account stay inside a single legal system.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

AXI Card Tarjeta y Credito

AXI Card Tarjeta y Credito

A small Spanish credit line on a card you already use, cleared inside a short payment period.

9.0/10Visit

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