AXI Card Tarjeta y Credito review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
AXI Card Tarjeta y Credito is a Spanish card and credit line account for people who want a single revolving balance at a fixed 21.59% rate. The balance runs through Access Finance SL with EU deposit protection behind it, so the money sits with a named operator rather than a marketplace name.
Key facts
- Best for
- A single revolving credit line in Spain, paid down monthly, with EU deposit protection behind the balance.
- Headline rate
- 21.59%↗
- Rate type
- Fixed↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Access terms
- Revolving credit line up to 1500 EUR, repaid in full between day 1 and day 5 of the following month, or a minimum monthly payment of 19% of the total payable↗
- Monthly fee
- €0↗
- Account kind
- Easy access↗
- Legal entity
- Access Finance SL↗
- Headquarters
- Spain↗
- Support channels
- Phone, Email, Help-centre↗
- Pricing model
- No monthly fee, Fixed rate
- Official website
- axi-card.es
Everyday accounts
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- Repaying the line in full early in the following month, or paying the stated minimum monthly payment, keeps the borrowing cost predictable.
- The headline rate is well above XTB at 4% and PayPal Colombia at 3.3%.
- Deposits sit under EU protection of EU DGS up to EUR 100,000, so the balance is backed by a compensation scheme rather than by the provider alone.
- The account is easy access, so the balance is available without waiting out a term.
- The balance is held by a named business, Access Finance SL, so there is an identifiable company behind the card and the credit line.
Cons
- The 21.59% rate ranks 8 of 473 brands on rate, so it does not top the table.
- Plazo ES lists 24.19% on its card against 21.59% here, so a reader chasing rate alone has a higher number to chase.
- The rate is fixed, so it does not fall when market rates drop the way a variable account would.
- Support runs on phone, email and help centre only, with nothing listed beyond phone, email and a help centre.
Who it suits
- People in Spain who want revolving credit at a fixed rate and can clear the balance each month.
- Savers who want a balance under EU protection of EU DGS up to EUR 100,000 rather than a figure that moves with the market.
- Card users who want no conversion charge at 0% and an ATM allowance of €0.
Who should look elsewhere
- Plazo ES, if the higher headline rate of 24.19% matters more than a €0 monthly fee.
- XTB, if a plain savings balance paying 4% is the goal and a credit line is not wanted.
- PayPal Colombia, if you want a wallet balance paying 3.3% rather than a card with a revolving line.
Access to your money
The product is built around a revolving credit line rather than a term deposit. You can clear the line in full early in the following month, or pay the stated minimum monthly payment, which is set as a share of the total you owe. Interest is priced at a fixed rate, so the cost of borrowing and the return on the balance stay put rather than moving with the market. Clearing the line early in the month is the cheapest route the terms allow, and the minimum payment is the one that carries the balance forward.
Rates and terms
The headline rate is 21.59% and it is the number to weigh, because the balance stays available rather than being tied to a term. The rate type is fixed, so the figure is set when you take the credit and it holds from statement to statement, where a variable savings rate would be repriced as the market moves. That suits anyone who plans a repayment schedule ahead of time and wants the cost of the line to look the same at the start of the year and at the end. You do not need to time a withdrawal or a reinvestment around a rate change.
Who runs it
AXI Card Tarjeta y Credito is run by Access Finance SL, Access Finance SL, and the company sits in Spain, ES. That places the balance with a named Spanish business rather than a marketplace or a broker, and the terms are drawn up under that entity. Support runs on phone, email and help centre, so a phone line, an email address and a help centre carry the day to day questions. Anyone weighing this account against a card from a broker should start with which company actually holds the money.
How AXI Card Tarjeta y Credito compares
9.3 vs 8.6
9.3 vs 9.5
9.3 vs 8.0
9.3 vs 8.9
9.3 vs 8.9
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 8.9
9.3 vs 8.7- 9.3 vs 8.0
9.3 vs 9.0
9.3 vs 8.1
9.3 vs 8.7
9.3 vs 8.0
9.3 vs 9.5
9.3 vs 9.4
9.3 vs 9.3
9.3 vs 9.2
9.3 vs 9.0
9.3 vs 8.7
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.4
9.3 vs 8.3
9.3 vs 9.0
Where AXI Card Tarjeta y Credito is available
- Available
- Spain
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does AXI Card charge me each month?+
The monthly fee is €0, so there is no subscription charge for holding the card and the credit line. The other routine costs are also set at nil: currency conversion is 0% and the ATM allowance is €0. The figure that actually costs you money is the rate you pay on the credit you use.
What rate do I earn and is it fixed?+
The headline rate is 21.59% and the rate type is fixed. A fixed rate holds for as long as you keep the arrangement, which is the main departure from a typical savings account that reprices as the market moves. Plazo ES lists 24.19% on its own card, so the two rates sit close together.
Is my money protected if the provider fails?+
Deposits are covered under EU protection of EU DGS up to EUR 100,000, so the balance is backed by a deposit compensation scheme rather than by the provider alone. The account is held by Access Finance SL, a named company, so there is a legal entity behind the balance rather than an anonymous marketplace name.
How do I repay the credit line?+
You repay the revolving line in full early in the following month, or you pay the stated minimum monthly payment, which is set as a share of the total payable. Interest on the line is fixed at 21.59%, so clearing the balance early in the month is the cheapest way to use it.
Can I use the card abroad without surprise charges?+
Currency conversion is 0% and the ATM allowance is €0, so card spending and cash withdrawals carry no extra charge on the rate sheet. Support runs on phone, email and help centre, and the account is built for a single market, so card use away from home is a convenience rather than a multi-currency proposition.
Who do I contact if something goes wrong?+
Help is offered on phone, email and help centre: a phone line, an email address and a help centre. The account sits with Access Finance SL, Access Finance SL, so a query about a statement or a repayment can go to the named company that runs the card and the credit line rather than to an intermediary.
Is this easy access or a fixed term product?+
It is an easy access account, so your money is available without waiting out a term. The rate is fixed at 21.59%, which gives a predictable figure rather than one that changes through the year. The trade is that you give up the lock-in a fixed term deposit would offer in exchange for that flexibility.
How does this compare with Plazo ES?+
Plazo ES lists a headline rate of 24.19%, higher than the 21.59% here, so rate alone points the other way. This account counters with a €0 monthly fee and EU protection of EU DGS up to EUR 100,000. Readers who only chase the biggest number should weigh which of the two Spanish offers matches how they actually use the balance.
Sources
- axi-card.es checked September 26, 2026
Backs: Support channels
- axi-card.es/aviso-legal checked September 26, 2026
Backs: Headquarters, Legal entity
- axi-card.es/tarifas checked September 26, 2026
Backs: Free ATM withdrawals, Features, Currency conversion fee, Monthly fee
- axi-card.es/terminos-y-condiciones-axi-card checked September 26, 2026
Backs: Access terms, Account kind, Deposit protection, Headline rate, Pricing model, Rate type
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Term, Minimum deposit.
AXI Card Tarjeta y Credito
A single revolving credit line in Spain, paid down monthly, with EU deposit protection behind the balance.