Updated September 28, 2026 · BorrowCue Editorial Team
ICICI Bank Credit Cards vs Prestalo
ICICI Bank Credit Cards vs Prestalo: the differences
| Compare |  ICICI Bank Credit Cards |  Prestalo |
|---|---|---|
| APR | 9.99% to 16.5% | 4.1% to 30%Lower |
| Loan amount | ₹50,000 to ₹5,000,000 | €500 to €100,000 |
| Term | 12 to 72 months | 1 to 120 monthsHigher |
| Arrangement fee | Up to 2% of loan amount plus taxes (Personal Loan processing charge) | 0 EUR |
| Funding time | Instant disbursement | Money transferred to your bank account, normally within 24 to 48 hours |
| Lender type | Direct lender | Broker |
| Free early repayment | No | YesHas it |
| Eligibility | Indian citizens aged 18-58 years; salaried minimum monthly income 30,000 rupees | 18 or over, resident in Spain, valid DNI or NIE, stable sufficient income |
| Loan types | Personal, Debt consolidation | Personal, Payday, Car, Debt consolidation, SecuredCovers more |
| Representative example | Not confirmed | EUR 5,000 loan repaid over 60 months, fixed annual interest 6.11%, TAE 6.28%, monthly payment 96.62 EUR, no opening or early-repayment fee, total repayable 5,815.20 EUR |
| Origination fee (%) | 2% | Not confirmed |
Same on both: Credit check (Hard), Rate type (Fixed), Credit needed (Good), Use cases (Home improvement).
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Key differences
- ICICI Bank Credit Cards scores higher overall: 9.0 vs 8.8.
- Founded is lower at ICICI Bank Credit Cards: 1994 vs 2018.
- APR is lower at Prestalo: 4.1% to 30% vs 9.99% to 16.5%.
- Free early repayment: only Prestalo.
- Term is higher at Prestalo: 1 to 120 months vs 12 to 72 months.
- Loan types: only Prestalo offers Payday, Car, Secured.
Our verdict on each
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.
Prestalo
Prestalo suits Spanish residents who want one broker covering personal and mortgage borrowing, with personal loan APR of 4.1% to 30% and no arrangement fee.
Score breakdown
| Area | ICICI Bank Credit Cards | Prestalo |
|---|---|---|
| Cost | 8.5Personal loan interest runs 9.99% to 16.5% with a processing charge of 2% of the amount, and free early repayment: no. | 9.4Higher |
| Offer | 9.3Higher | 9.0Personal loans at 4.1% to 30% with arrangement fee 0 EUR and free early repayment, plus a mortgage at 2.36% and APRC 2.97%. |
| Trust | 9.3Higher | 8.3 |
Pick ICICI Bank Credit Cards if, pick Prestalo if
Pick ICICI Bank Credit Cards if offer matter most.
Pick Prestalo if cost, apr, term, and free early repayment matter most.
Availability and regulation
| Country | ICICI Bank Credit Cards | Prestalo |
|---|---|---|
| Spain | Not confirmed | Registro Estatal de Intermediarios Financieros 878/2018, seccion segunda |
Additional countries for ICICI Bank Credit Cards: 1. Additional countries for Prestalo: 1.
Also worth a look
Prestamiau ES has apr at 0% to 36%, against 9.99% to 16.5% for ICICI Bank Credit Cards and 4.1% to 30% for Prestalo.
Prestamiau ES reviewHow they place
| Ranking | ICICI Bank Credit Cards | Prestalo |
|---|---|---|
| Personal loans | 106 of 1943 | 60 of 1943 |
| Debt consolidation loans | 42 of 425 | 22 of 425 |
| Mortgages | 14 of 719 | 5 of 719 |
| Remortgage deals | 13 of 351 | 5 of 351 |
| Home improvement loans | 51 of 562 | 27 of 562 |
Every fact side by side
| Fact | ICICI Bank Credit Cards | Prestalo |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | ICICI Bank Limited | PRESTALO ONLINE, S.L. |
| Headquarters | India | Spain |
| Founded | 1994Lower | 2018 |
| Support channels | Phone, Email, Chat, Help centre | Email, Chat, Phone, Help centre |
Mortgages
| Fact | ICICI Bank Credit Cards | Prestalo |
|---|---|---|
| Initial rate | 7.55% | 2.36%Lower |
| APRC | Not confirmed | 2.97% |
| Fixed period | Not confirmed | 25 years |
| Maximum loan to value | 80% to 90%Higher | 80% |
| Product fee | Not confirmed | €0 |
| Purpose | Purchase, Remortgage | Purchase, Remortgage |
Where each stands against the rest
| Fact | ICICI Bank Credit Cards | Prestalo | Median |
|---|---|---|---|
| APR | 9.99% to 16.5%above the median | 4.1% to 30%lowest quarter | 8.99 |
| Term | 12 to 72 monthsabove the median | 1 to 120 monthshighest quarter | 60 |
| Origination fee (%) | 2%above the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
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
Prestalo
Pros
- Personal loan APR runs 4.1% to 30% with arrangement fee 0 EUR, so the headline cost is the interest and nothing else.
- Free early repayment means clearing the balance early costs nothing, which suits anyone whose income may rise.
- Rate type is fixed and the model is fixed rate, so the monthly payment does not move when base rates shift.
Cons
- Credit check is hard and the credit needed is good, which rules out anyone with a thin or damaged credit file.
- Lender kind is broker, so the lender you end up with is chosen by a third party rather than by you.
- APR of 4.1% to 30% spans from below the personal loan median of 12% to well above it, so the rate you are offered depends heavily on your file.
Who each suits
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
Prestalo
Who it suits
- Adults in Spain with a good credit file and stable income who want a fixed-rate personal loan with no arrangement fee.
- Borrowers taking out a mortgage through a broker at an initial rate of 2.36% and APRC 2.97% with no product fee.
- People who expect to clear the loan early and value free early repayment.
Who should look elsewhere
- Anyone needing a variable-rate loan, since the rate type is fixed and the mortgage runs fixed for 25.
- Borrowers with a poor credit history, given the hard credit check and the good credit requirement.
- Shoppers who want to pick the lender directly, since Prestalo works as broker.
Current offers
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 | ICICI Bank Credit Cards | Prestalo |
|---|---|---|
| India | Yes | No |
| Spain | No | Yes |
Questions about each
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.
Prestalo
What APR does Prestalo charge on a personal loan?+
Personal loan APR is 4.1% to 30%, which covers the full cost of the credit as a single yearly rate. The arrangement fee is 0 EUR, so there is nothing on top of that figure to add separately. The rate is fixed, so the monthly payment holds steady for the whole term.
Is there any fee to open or repay a Prestalo loan early?+
The arrangement fee is 0 EUR and early repayment is free, so clearing the balance ahead of schedule carries no charge. The mortgage product fee is €0 as well. Together these mean your exit options stay open on both the personal loan and the mortgage.
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