Updated October 14, 2026 · BorrowCue Editorial Team
AXI Card Tarjeta y Credito vs Multitude
What sets them apart
| Compare |  AXI Card Tarjeta y Credito |  Multitude |
|---|---|---|
| APR | 21.59%Lower | 30.31% to 57.26% |
| Loan amount | up to €1,500 | SEK 10,000 to SEK 50,000 |
| Term | 1 month | 12 monthsHigher |
| Arrangement fee | 0 EUR (card issuance and annual maintenance) | 565 SEK |
| Funding time | Immediate: credit line available on card activation | Within one bank day of approval |
| 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%) | Ferratum Credit: 23 000 SEK over 12 monthly instalments, effective rate 37.68%, total to repay 27 013,83 SEK, setup fee 565 SEK and account fee 59 SEK per month |
| 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 | Swedish personal identity number and a Swedish bank account, with income and expenses declared in the online application |
| Free early repayment | Yes | Not confirmed |
| Credit needed | Fair | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard), Lender type (Direct lender), Loan types (Credit line, Personal).
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Key differences
- AXI Card Tarjeta y Credito scores higher overall: 9.0 vs 8.8.
- Multitude is available in 11 more countries.
- APR is lower at AXI Card Tarjeta y Credito: 21.59% vs 30.31% to 57.26%.
- Term is higher at Multitude: 12 months vs 1 month.
- Support channels: only AXI Card Tarjeta y Credito offers Phone, Email.
- Support channels: only Multitude offers Chat.
- Features: only Multitude offers Same day funding.
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.
Multitude
Multitude is a listed European fintech group whose homepage describes consumer banking through Ferratum, SME banking through CapitalBox and wholesale banking through Multitude Bank. The parent site is not itself a single retail loan offer. Country and product terms need to be checked with the relevant operating business.
Score breakdown
| Area | AXI Card Tarjeta y Credito | Multitude |
|---|---|---|
| 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. | 8.3 |
| Offer | 8.7A credit line product with Immediate: credit line available on card activation and a fair credit bar for applicants. | 9.0Higher |
| Trust | 9.2Higher | 9.1 |
Also worth a look
Sofkredit has term at 6 to 240 months, against 1 month for AXI Card Tarjeta y Credito and 12 months for Multitude.
Sofkredit reviewHow they place
| Ranking | AXI Card Tarjeta y Credito | Multitude |
|---|---|---|
| Personal loans | 38 of 1920 | 30 of 1920 |
| Lines of credit | 8 of 328 | 5 of 328 |
Every fact side by side
| Fact | AXI Card Tarjeta y Credito | Multitude |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Credit line | Credit line, Same day fundingCovers more |
| Legal entity | Access Finance SL | Multitude Bank p.l.c. |
| Headquarters | Spain | Malta |
| Founded | Not confirmed | 2005 |
| Support channels | Phone, Email, Help centre | Chat, Help centre |
Where each stands against the rest
| Fact | AXI Card Tarjeta y Credito | Multitude | Median |
|---|---|---|---|
| APR | 21.59%highest quarter | 30.31% to 57.26%highest quarter | 8.99% |
| Term | 1 monthlowest quarter | 12 monthslowest quarter | 60 months |
Median across 1144 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.
Multitude
Pros
- The site distinguishes three business units and provides separate contact routes.
- The parent company positions itself as a digital financial services group.
Cons
- The captured material does not describe specific consumer credit terms or country level eligibility.
- Licensing and product terms for one subsidiary cannot be inferred from the parent overview.
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.
Multitude
Who it suits
- People trying to identify which Multitude business unit offers a particular service.
Who should look elsewhere
- Borrowers seeking a direct rate or loan comparison from the group homepage.
Country by country
| Country | AXI Card Tarjeta y Credito | Multitude |
|---|---|---|
| Croatia | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
| Finland | No | Yes |
| Germany | No | Yes |
| Latvia | No | Yes |
| Malta | No | Yes |
8 of 14 countries where either is available.
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.
Multitude
Which businesses does Multitude list?+
The parent site lists Ferratum for consumer banking, CapitalBox for SME banking and Multitude Bank for wholesale banking.
Does this page give consumer loan rates?+
No. The captured parent pages do not provide product specific rates or repayment terms.
Other options to compare
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