Updated September 28, 2026 · BorrowCue Editorial Team
BBVA vs ICICI Bank Credit Cards
BBVA vs ICICI Bank Credit Cards: the differences
| Compare | BBVA ReviewVisitVisit |  ICICI Bank Credit Cards |
|---|---|---|
| APR | 8.08% to 9.16%Lower | 9.99% to 16.5% |
| Loan amount | €3,000 to €75,000 | ₹50,000 to ₹5,000,000 |
| Term | 24 to 96 monthsHigher | 12 to 72 months |
| Arrangement fee | 0 EUR | Up to 2% of loan amount plus taxes (Personal Loan processing charge) |
| Funding time | Money credited to your BBVA account after signing, in 3 steps | Instant disbursement |
| Eligibility | Must be a BBVA customer with an account; the 1% rate discount requires payroll (min net EUR 600/month) or pension (min EUR 300/month) domiciled at BBVA | Indian citizens aged 18-58 years; salaried minimum monthly income 30,000 rupees |
| Origination fee (%) | 0%Lower | 2% |
| Loan types | Personal | Personal, Debt consolidationCovers more |
| Representative example | EUR 10,000 over 8 years: EUR 145.47/month at 9.16% TAE, opening fee 0%, total EUR 13,976.85 | Not confirmed |
| Credit needed | Not confirmed | Good |
Same on both: Credit check (Hard), Rate type (Fixed), Lender type (Direct lender), Free early repayment (No), Use cases (Home improvement).
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Key differences
- BBVA scores higher overall: 9.4 vs 9.0.
- Founded is lower at BBVA: 1857 vs 1994.
- APR is lower at BBVA: 8.08% to 9.16% vs 9.99% to 16.5%.
- Origination fee (%) is lower at BBVA: 0% vs 2%.
- Term is higher at BBVA: 24 to 96 months vs 12 to 72 months.
- Loan types: only ICICI Bank Credit Cards offers Debt consolidation.
Our verdict on each
BBVA
BBVA suits existing customers in Spain who want a fixed-rate personal loan with fees of 0 EUR and the money landing in their BBVA account. The cost picture is the draw: APR of 8.08% to 9.16% sits below the site median, 12%, though the account requirement narrows who can apply.
ICICI Bank Credit Cards
ICICI Bank lends directly at 9.99% to 16.5% for personal loans and debt consolidation, with funding time of Instant disbursement. It suits salaried Indian borrowers with a good credit record who want fixed rates and quick money. The processing charge adds to the total, and early repayment carries a fee.
Score breakdown
| Area | BBVA | ICICI Bank Credit Cards |
|---|---|---|
| Cost | 8.9HigherAPR of 8.08% to 9.16% on a personal loan with fees of 0 EUR, below the site median, 12%. | 8.5Personal loan interest runs 9.99% to 16.5% with a processing charge of 2% of the amount, and free early repayment: no. |
| Offer | 9.6Higher | 9.3 |
| Trust | 9.6Higher | 9.3 |
Licences and countries
| Country | BBVA | ICICI Bank Credit Cards |
|---|---|---|
| Spain | Comision Nacional del Mercado de Valores (CNMV) MiCA CASP K8MS7FD7N5Z2WQ51AZ71 | Not confirmed |
Additional countries for BBVA: 1. Additional countries for ICICI Bank Credit Cards: 1.
Ranges side by side
| Fact | BBVA | ICICI Bank Credit Cards |
|---|---|---|
| APR | 8.08% to 9.16% | 9.99% to 16.5% |
| Term | 24 to 96 months | 12 to 72 months |
Positions in our rankings
| Ranking | BBVA | ICICI Bank Credit Cards |
|---|---|---|
| Personal loans | 81 of 1943 | 106 of 1943 |
| Mortgages | 9 of 719 | 14 of 719 |
| Home improvement loans | 34 of 562 | 51 of 562 |
Every fact side by side
| Fact | BBVA | ICICI Bank Credit Cards |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | Banco Bilbao Vizcaya Argentaria S.A. | ICICI Bank Limited |
| Headquarters | Spain | India |
| Founded | 1857Lower | 1994 |
| Support channels | Not confirmed | Phone, Email, Chat, Help centre |
Mortgages
| Fact | BBVA | ICICI Bank Credit Cards |
|---|---|---|
| Initial rate | Not confirmed | 7.55% |
| Maximum loan to value | Not confirmed | 80% to 90% |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | BBVA | ICICI Bank Credit Cards | Median |
|---|---|---|---|
| APR | 8.08% to 9.16%below the median | 9.99% to 16.5%above the median | 8.99 |
| Term | 24 to 96 monthsabove the median | 12 to 72 monthsabove the median | 60 |
| Origination fee (%) | 0%below the median | 2%above the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
BBVA
Pros
- APR of 8.08% to 9.16% sits below the site median, 12%.
- Fees of 0 EUR on a personal loan, so the quoted rate is not padded by an opening charge.
- Money is credited to the BBVA account after signing, so settlement needs no new payee setup.
Cons
- Free early repayment is no, so clearing the balance sooner carries a cost.
- Eligibility starts with holding a BBVA account, and the rate discount asks for a payroll or pension domiciled at BBVA.
- The credit check is hard, so a decline can leave a mark on the credit file.
ICICI Bank Credit Cards
Pros
- Direct lender, so 9.99% to 16.5% is the rate you are offered rather than a broker mark-up
- Funding time is listed as Instant disbursement
- Fixed rate pricing on fixed rate loans, so repayments stay predictable
Cons
- Free early repayment: no, so settling the loan early carries a cost
- A processing charge of 2% of the loan amount plus taxes adds to the total
- Credit check: hard, and the lender asks for a good credit record
Who each suits
BBVA
Who it suits
- Existing BBVA account holders in Spain with a domiciled payroll or pension who want a rate they can plan around.
- Borrowers funding a home improvement project who can spread the cost, since terms run 24 to 96.
- Readers who prefer the lender to hold the contract rather than a broker, since BBVA is a direct lender.
Who should look elsewhere
- Cashspace, priced at an APR of PHP 12 to PHP 36, if you want a different rate band than BBVA's 8.08% to 9.16%.
- Monzo Flex, at 10% to 23%, for readers comparing a UK lender rather than a Spanish bank.
- Cashspace ES, whose listed APR of 0% reads lower than BBVA's 8.08% to 9.16%.
ICICI Bank Credit Cards
Who it suits
- Salaried Indian citizens who meet the income requirement for a personal loan
- Borrowers consolidating debt into one fixed-rate repayment
- People who need the money quickly and value Instant disbursement over extra shopping
Who should look elsewhere
- Anyone wanting to clear a personal loan early without paying for it, since free early repayment: no
- Borrowers with a thin credit file, as the credit check is hard
- Shoppers who want a fee-free loan, given a processing charge of 2% plus taxes
Current offers
ICICI Bank Credit Cards
Current offer
Bonus
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Source, checked September 26, 2026
Country by country
| Country | BBVA | ICICI Bank Credit Cards |
|---|---|---|
| India | No | Yes |
| Spain | Yes | No |
Questions about each
BBVA
What rate does BBVA charge on a personal loan?+
The personal loan carries an APR of 8.08% to 9.16%, fixed for the whole term. The published example pairs that rate with fees of 0 EUR, so the quoted figure is not padded by an opening charge. Terms run 24 to 96, which shapes the monthly instalment.
Is BBVA regulated?+
BBVA appears in the Spanish register under the Comision Nacional del Mercado de Valores (CNMV), listed as licence MiCA CASP K8MS7FD7N5Z2WQ51AZ71. The legal entity behind the brand is Banco Bilbao Vizcaya Argentaria S.A., and the bank is a direct lender, so the contract is with the bank itself.
ICICI Bank Credit Cards
What rate will I pay on a personal loan?+
Interest runs at 9.99% to 16.5% for a personal loan or a debt consolidation loan. The rate type is fixed, so the figure holds for the life of the loan. Your actual rate depends on how the lender assesses you.
Is there an arrangement fee?+
Yes. A processing charge of 2% of the loan amount applies, plus taxes. That sits on top of the interest at 9.99% to 16.5%, so ask for the full cost before you commit.