Updated September 28, 2026 · BorrowCue Editorial Team
AXI Card Tarjeta y Credito vs Extraportfel
AXI Card Tarjeta y Credito vs Extraportfel: the differences
| Compare |  AXI Card Tarjeta y Credito |  Extraportfel |
|---|---|---|
| APR | 21.59%Lower | 298.92% |
| Loan amount | up to €1,500 | PLN 500 to PLN 15,000 |
| Term | 1 month | 30 monthsHigher |
| Arrangement fee | 0 EUR (card issuance and annual maintenance) | 1.00 PLN registration fee (refunded to the borrower); commission 108.20 PLN on a 1000 PLN loan |
| Funding time | Immediate: credit line available on card activation | Same day, in most cases within minutes, disbursed 24/7 via Przelewy24; contractually within 4 business days of the approval notification |
| 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%) | 1000 PLN for 30 days, variable interest 14.50% per year, commission 108.20 PLN, capital interest 11.89 PLN, total cost 120.09 PLN, total repayable 1120.09 PLN, APR (RRSO) 298.92% |
| Rate type | Fixed | Variable |
| Eligibility | DNI for Spanish citizens; NIE plus passport for non-Spanish residents; no ASNEF registration and no debts overdue more than 30 days | Age 19 to 75, Polish ID card or permanent residence card, mobile phone registered in Poland, e-mail address, residence in Poland, personal bank account registered in Poland |
| Loan types | Credit line, Personal | Payday, Personal |
| Credit needed | Fair | Poor |
| Origination fee (%) | Not confirmed | 10.82% |
Same on both: Credit check (Hard), Lender type (Direct lender), Free early repayment (Yes).
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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 AXI Card Tarjeta y Credito: 21.59% vs 298.92%.
- Term is higher at Extraportfel: 30 months vs 1 month.
- Features: only AXI Card Tarjeta y Credito offers Credit line.
- Features: only Extraportfel offers Same day funding.
- Loan types: only AXI Card Tarjeta y Credito offers Credit line.
- Loan types: only Extraportfel offers Payday.
Our verdict on each
AXI Card Tarjeta y Credito
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.
Extraportfel
Extraportfel is a Polish direct lender for short personal and payday loans, made for borrowers in Poland who need cash the same day and accept a steep price. The annual percentage rate is 298.92%, so it works as a bridge to the next payday rather than as cheap credit.
Score breakdown
| Area | AXI Card Tarjeta y Credito | Extraportfel |
|---|---|---|
| Cost | 8.8HigherAPR of 21.59% against a site median of 12%, offset by 0 EUR (card issuance and annual maintenance) covering card issuance and annual maintenance. | 8.5The annual percentage rate is 298.92% against a site median of 12%, with a commission of 10.82% on top. |
| Offer | 8.7A credit line product with Immediate: credit line available on card activation and a fair credit bar for applicants. | 9.1HigherLoan amounts of PLN 500 to PLN 15,000, same-day funding, and a hard credit check aimed at applicants with poor credit (poor). |
| Trust | 9.2 | 9.2 |
Where they rank in our lists
| Ranking | AXI Card Tarjeta y Credito | Extraportfel |
|---|---|---|
| Personal loans | 38 of 1920 | 115 of 1920 |
| Loans for bad credit | 25 of 276 | 60 of 276 |
What each covers
| Loan types | AXI Card Tarjeta y Credito | Extraportfel |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Credit line | Yes | No |
Licences and countries
| Country | AXI Card Tarjeta y Credito | Extraportfel |
|---|---|---|
| Bulgaria | Not confirmed |
Additional countries for AXI Card Tarjeta y Credito: 2. Additional countries for Extraportfel: 1.
Where these facts come from
AXI Card Tarjeta y Credito
- axi-card.es: 18 facts, checked September 26, 2026
Extraportfel
- extraportfel.pl: 18 facts, checked September 26, 2026
Every fact side by side
| Fact | AXI Card Tarjeta y Credito | Extraportfel |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Credit line | Same day funding |
| Legal entity | Access Finance SL | AvaFin Poland sp. z o.o. |
| Headquarters | Spain | Poland |
| Support channels | Phone, Email, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | AXI Card Tarjeta y Credito | Extraportfel | Median |
|---|---|---|---|
| APR | 21.59%highest quarter | 298.92%highest quarter | 8.99% |
| Term | 1 monthlowest quarter | 30 monthsbelow the median | 60 months |
| Origination fee (%) | Not confirmed | 10.82%highest quarter | 0.25% |
Median across 1152 listed lenders.
Pros and cons
AXI Card Tarjeta y Credito
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.
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.
Extraportfel
Pros
- Approved cash is paid out on the day, in a lot of cases within minutes, with transfers running at night and at weekends.
- Clearing the balance early carries no extra charge.
- Support by email, phone and a help centre, so a borrower has more than one way to ask.
Cons
- The annual percentage rate of 298.92% sits far above the site median of 12%.
- A hard credit check stands in front of the offer, and the product targets poor credit.
- Interest is variable, and a commission of 10.82% applies on top of the amount borrowed.
Who each suits
AXI Card Tarjeta y Credito
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.
Extraportfel
Who it suits
- Adults living in Poland with a Polish ID card or residence card, a local bank account and a local mobile who need cash today.
- Borrowers with poor credit who plan to clear the balance inside a term of 30.
- People able to absorb a variable rate plus a commission of 10.82% of the amount borrowed.
Who should look elsewhere
- Borrowers spreading a large sum over years: Monzo Flex offers personal loans at 10% to 23%, while the term here runs 30.
- Anyone priced out by 298.92%, since Cashspace quotes PHP 12 to PHP 36 on short-term borrowing.
- Borrowers who cannot carry a commission of 10.82%, as Cashspace ES lists 0%.
Country by country
| Country | AXI Card Tarjeta y Credito | Extraportfel |
|---|---|---|
| Bulgaria | Yes | No |
| Poland | No | Yes |
| Spain | Yes | No |
Questions about each
AXI Card Tarjeta y Credito
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.
Extraportfel
What does a loan from Extraportfel cost?+
The published annual percentage rate is 298.92%, well above the site median of 12%. Interest is variable, and a commission of 10.82% is charged on the amount borrowed, while a small registration fee is taken and refunded to the borrower.
How much can I borrow and for how long?+
Borrowers can take PLN 500 to PLN 15,000, and the term runs 30. The site median term is 36, so this sits at the short end and suits a gap between paydays rather than a planned purchase.
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