Updated September 29, 2026 · BorrowCue Editorial Team
Creduma ES vs ICICI Bank Credit Cards
Where Creduma ES and ICICI Bank Credit Cards differ
| Compare |  Creduma ES |  ICICI Bank Credit Cards |
|---|---|---|
| Loan amount | from €12,000 | ₹50,000 to ₹5,000,000 |
| Arrangement fee | 0 EUR upfront: no advance commissions and no initial payments, fees charged only if a real solution is obtained | Up to 2% of loan amount plus taxes (Personal Loan processing charge) |
| Credit check | Soft prequal | Hard |
| Funding time | Offer in under 24 hours; money in the account in 7 days after signing | Instant disbursement |
| Lender type | Broker | Direct lender |
| Eligibility | Residents in Spain aged 18 or over who own a property used as collateral (aval hipotecario) | Indian citizens aged 18-58 years; salaried minimum monthly income 30,000 rupees |
| Loan types | Secured, Debt consolidation | Personal, Debt consolidation |
| Credit needed | Poor | Good |
| APR | Not confirmed | 9.99% to 16.5% |
| Term | Not confirmed | 12 to 72 months |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | No |
| Origination fee (%) | Not confirmed | 2% |
| Use cases | Not confirmed | Home improvement |
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Key differences
- ICICI Bank Credit Cards scores higher overall: 9.0 vs 8.7.
- Loan types: only Creduma ES offers Secured.
- Loan types: only ICICI Bank Credit Cards offers Personal.
Our verdict on each
Creduma ES
Creduma suits adults living in Spain who own property to pledge as collateral and prefer broker guidance through secured borrowing. Loans sit at from €12,000 with a rapid initial offer followed by payout after a waiting period after signing for debt consolidation needs.
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 | Creduma ES | ICICI Bank Credit Cards |
|---|---|---|
| Cost | Not confirmed | 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 | 9.1Offer strength reflects secured debt consolidation scope at from €12,000 for remortgage and home equity | 9.3Higher |
| Trust | 8.4Trust reflects brokerage under FINANSI GROUP, S.L. (CIF B66240672) based in ES | 9.3Higher |
Licences and countries
Additional countries for Creduma ES: 1. Additional countries for ICICI Bank Credit Cards: 1.
Positions in our rankings
| Ranking | Creduma ES | ICICI Bank Credit Cards |
|---|---|---|
| Debt consolidation loans | 13 of 425 | 42 of 425 |
| Mortgages | 3 of 719 | 14 of 719 |
| Remortgage deals | 3 of 351 | 13 of 351 |
Sources behind this comparison
Creduma ES
- creduma.com: 8 facts, checked September 26, 2026
ICICI Bank Credit Cards
- icici.bank.in: 20 facts, checked September 26, 2026
Every fact side by side
| Fact | Creduma ES | ICICI Bank Credit Cards |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | Not confirmed | ICICI Bank Limited |
| Headquarters | Not confirmed | India |
| Founded | Not confirmed | 1994 |
| Support channels | Not confirmed | Phone, Email, Chat, Help centre |
Mortgages
| Fact | Creduma ES | ICICI Bank Credit Cards |
|---|---|---|
| Initial rate | Not confirmed | 7.55% |
| Maximum loan to value | Not confirmed | 80% to 90% |
| Product fee | €0 | Not confirmed |
| Purpose | Remortgage, Home equity | Purchase, Remortgage |
Where each stands against the rest
| Fact | Creduma ES | ICICI Bank Credit Cards | Median |
|---|---|---|---|
| APR | Not confirmed | 9.99% to 16.5%above the median | 8.99 |
| Term | Not confirmed | 12 to 72 monthsabove the median | 60 |
| Origination fee (%) | Not confirmed | 2%above the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Creduma ES
Pros
- Free upfront handling through €0, with charges only where a solution is obtained
- Soft prequalification through soft prequal limits early credit footprint during comparison
- Access for poor credit profiles under poor where property equity supports the request
Cons
- Broker handling under broker adds an intermediary step compared with borrowing directly from Fidea
- Support runs on email and phone only, which limits choice for borrowers who prefer live chat help
- Loan scope stays within secured and debt consolidation, so unsecured borrowing is outside the model
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
Creduma ES
Who it suits
- Adults in Spain who own residential property and seek secured consolidation beyond the modest limits at AXI Card Tarjeta y Credito
- Borrowers with poor credit seeking broker help, where property backing may open options unavailable from Ibancar Prestamos
Who should look elsewhere
- Borrowers without property to pledge, where Fidea may offer more flexible unsecured routes
- Borrowers seeking small short term credit, where AXI Card Tarjeta y Credito lists loans of up to €1,500
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
Creduma ES
Current offer
Discount code
Free financial case study (estudio gratuito): 0 EUR, no upfront payment
Prequalification study with no commitment; fees are only charged if a real solution is obtained, with no advance commissions or initial payments
Source, checked September 26, 2026
ICICI Bank Credit Cards
Current offer
Bonus
Sapphiro Credit Card welcome vouchers with BookMyShow buy one get one offer
Sapphiro Credit Card only; includes international and domestic airport lounge access
Source, checked September 26, 2026
Country by country
| Country | Creduma ES | ICICI Bank Credit Cards |
|---|---|---|
| India | No | Yes |
| Spain | Yes | No |
Questions about each
Creduma ES
Is Creduma a direct lender?+
Creduma arranges secured loans and debt consolidation through partner lenders, acting as a broker rather than funding loans itself under broker. That means assessment and offer terms come from the funding partner, while Creduma guides the application and documentation.
Who can apply for Creduma?+
Applicants are adults resident in Spain who own property that can serve as mortgage collateral. Eligibility centres on property ownership and residence, which allows consideration of poor credit profiles under poor where income and equity support repayment.
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.
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