Last updated: August 2, 2026 · Credit cards compared: 15 · Data source: issuer product pages, recorded in the Buzdy database · cited pages where we hold them
Reviewed by Zia Shahid, Buzdy Banking Editor · Our methodology
? In this guide
Looking for a credit card in Italy in 2026? These are all 15 credit cards in Italy that Buzdy currently holds verified data for. Every figure below is printed from the record Buzdy holds for that product, taken from the issuer's own published material — where a bank does not publish a number, this guide says Not published rather than guessing. We link the exact issuer page under Sources for every product where we have recorded it; for the rest we hold the figure but not the page, and say so.
How this list is ordered. Ranked on the data we actually hold: cards with no annual fee first, then by how many benefits we can verify from the issuer's own product page, then by the lowest published interest rate, then by the lowest published minimum income. We then rotate one card per bank so a single issuer cannot fill the list.
This is not a complete list of every credit card sold in Italy. It is the set Buzdy has verified data for, from 5 issuers, as of August 2, 2026.
Quick Comparison: 15 Credit Cards in Italy
Side by side, in the order explained above. Tap any name for the full product page.
| Credit card | Bank | Annual fee | Interest rate | Verified benefits | Details |
|---|---|---|---|---|---|
| 1. Intesa Credit Icon | Intesa Sanpaolo | Not published | 17.04% per month | Airport lounge, Travel benefits, Dining offers, Digital wallet | View → |
| 2. Mediolanum Prestige | Banca Mediolanum | Not published | 17.04% per month | Airport lounge, Travel benefits, Dining offers, Digital wallet | View → |
| 3. Nexi Prestige | Nexi | Not published | 17.04% per month | Airport lounge, Travel benefits, Dining offers, Digital wallet | View → |
| 4. UniCredit Flexia Platinum | UniCredit Italy | Not published | 17.04% per month | Airport lounge, Travel benefits, Dining offers, Digital wallet | View → |
| 5. Fineco Visa Infinite | FinecoBank | Not published | Not published | Airport lounge, Travel benefits, Digital wallet | View → |
| 6. Intesa XME Gold | Intesa Sanpaolo | Not published | 17.04% per month | Travel benefits, Dining offers, Digital wallet, Shopping offers | View → |
| 7. Mediolanum Amex | Banca Mediolanum | Not published | 17.04% per month | Airport lounge, Travel benefits, Dining offers, Digital wallet | View → |
| 8. Nexi Gold | Nexi | Not published | 17.04% per month | Travel benefits, Dining offers, Digital wallet, Shopping offers | View → |
| 9. UniCredit Flexia Gold | UniCredit Italy | Not published | 17.04% per month | Travel benefits, Dining offers, Digital wallet, Shopping offers | View → |
| 10. Fineco Gold World | FinecoBank | Not published | Not published | Travel benefits, Digital wallet | View → |
| 11. Intesa XME Classic | Intesa Sanpaolo | Not published | 17.04% per month | Digital wallet, Shopping offers, Supplementary cards | View → |
| 12. Mediolanum Credit Card | Banca Mediolanum | Not published | 17.04% per month | Digital wallet, Shopping offers, Supplementary cards | View → |
| 13. Nexi Classic | Nexi | Not published | 17.04% per month | Digital wallet, Shopping offers, Supplementary cards | View → |
| 14. UniCredit Flexia Classic | UniCredit Italy | Not published | 17.04% per month | Digital wallet, Shopping offers, Supplementary cards | View → |
| 15. Fineco Credit Card | FinecoBank | Not published | Not published | Digital wallet | View → |
The 15 Credit Cards in Detail
1. Intesa Credit Icon
Bank: Intesa Sanpaolo
- Annual fee: Not published
- Interest rate: 17.04% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Premium card with airport lounge access, comprehensive travel insurance, and lifestyle concierge.
2. Mediolanum Prestige
Bank: Banca Mediolanum
- Annual fee: Not published
- Interest rate: 17.04% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Premium card with lounge access, travel insurance, and dedicated financial advisor benefits.
3. Nexi Prestige
Bank: Nexi
- Annual fee: Not published
- Interest rate: 17.04% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Premium card with airport lounge access, comprehensive travel insurance, and concierge services.
4. UniCredit Flexia Platinum
Bank: UniCredit Italy
- Annual fee: Not published
- Interest rate: 17.04% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Premium card with airport lounge access, comprehensive insurance, and Mastercard World benefits.
5. Fineco Visa Infinite
Bank: FinecoBank
- Annual fee: Not published
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Digital wallet
The Fineco Visa Infinite is the top-tier credit card from FinecoBank in Italy, providing exclusive Visa Infinite privileges including premium concierge services, travel insurance, and worldwide acceptance. It supports digital wallets and contactless payments with instant activation capability.
6. Intesa XME Gold
Bank: Intesa Sanpaolo
- Annual fee: Not published
- Interest rate: 17.04% per month
- Minimum income: Not published
- Verified benefits: Travel benefits, Dining offers, Digital wallet, Shopping offers, Supplementary cards
Gold card with travel insurance, dining benefits, and enhanced XME rewards earning across Italy.
7. Mediolanum Amex
Bank: Banca Mediolanum
- Annual fee: Not published
- Interest rate: 17.04% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Supplementary cards
American Express card with Amex benefits, dining experiences, and comprehensive travel insurance.
8. Nexi Gold
Bank: Nexi
- Annual fee: Not published
- Interest rate: 17.04% per month
- Minimum income: Not published
- Verified benefits: Travel benefits, Dining offers, Digital wallet, Shopping offers, Supplementary cards
Gold card with travel insurance, extended warranty, and enhanced dining and lifestyle offers.
9. UniCredit Flexia Gold
Bank: UniCredit Italy
- Annual fee: Not published
- Interest rate: 17.04% per month
- Minimum income: Not published
- Verified benefits: Travel benefits, Dining offers, Digital wallet, Shopping offers, Supplementary cards
Gold card with travel insurance, dining discounts, and flexible repayment options.
10. Fineco Gold World
Bank: FinecoBank
- Annual fee: Not published
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: Travel benefits, Digital wallet
The Fineco Gold World card from FinecoBank is a premium Mastercard World offering enhanced benefits for travel and lifestyle, with contactless payment technology and digital wallet compatibility including Apple Pay and Google Pay. It provides deferred billing, worldwide acceptance, and premium customer support.
11. Intesa XME Classic
Bank: Intesa Sanpaolo
- Annual fee: Not published
- Interest rate: 17.04% per month
- Minimum income: Not published
- Verified benefits: Digital wallet, Shopping offers, Supplementary cards
Entry-level card with purchase protection, contactless payments, and XME rewards integration.
12. Mediolanum Credit Card
Bank: Banca Mediolanum
- Annual fee: Not published
- Interest rate: 17.04% per month
- Minimum income: Not published
- Verified benefits: Digital wallet, Shopping offers, Supplementary cards
Standard card with purchase protection, flexible payments, and Mediolanum rewards.
13. Nexi Classic
Bank: Nexi
- Annual fee: Not published
- Interest rate: 17.04% per month
- Minimum income: Not published
- Verified benefits: Digital wallet, Shopping offers, Supplementary cards
Standard Italian card with wide acceptance, purchase protection, and Nexi rewards.
14. UniCredit Flexia Classic
Bank: UniCredit Italy
- Annual fee: Not published
- Interest rate: 17.04% per month
- Minimum income: Not published
- Verified benefits: Digital wallet, Shopping offers, Supplementary cards
Flexible card with adjustable credit limit, purchase protection, and UniCredit rewards.
15. Fineco Credit Card
Bank: FinecoBank
- Annual fee: Not published
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: Digital wallet
The Fineco Credit Card is a versatile card from FinecoBank in Italy, featuring deferred monthly billing, worldwide payment and withdrawal capabilities, and customizable spending limits. It supports Apple Pay, Google Pay, and Garmin Pay digital wallets, with instant activation through the digital payment feature.
7 Smart Tips Before You Apply
What banks won't put in their marketing — but every smart applicant should know.
- Compare APR, not just headline rates. The advertised "low interest" is usually a promo. The real cost is the Annual Percentage Rate (APR) after fees, balance transfer charges, and FX markups. A 1.5% monthly rate is actually ~19.6% APR.
- Read the small print on rewards. Banks advertise "5% cashback" but cap it at $20/month. After the cap, you earn 0.5%. Always check the monthly cap, eligible merchants, and minimum spend requirements.
- Know your credit profile before applying. Each rejected application damages your credit score. Use the bank's pre-qualification check (soft pull) before submitting a formal application (hard pull).
- Avoid cash advances at all costs. Cash advance APR is usually 5-10% higher than purchase APR, with no grace period and an upfront fee of 2-5% of the amount. Use only in emergencies.
- Set up direct debit for the full balance. Paying only the minimum (often 5% of balance) means interest accrues on the rest. A balance of $1,000 paid at minimum costs ~$1,400 in interest over 5 years.
- Use foreign-fee-free cards abroad. Standard cards charge 2-3% on every foreign transaction plus FX markup. Travel cards charge 0%. On a $3,000 holiday, that's $90 saved.
- Watch the annual fee waiver conditions. Many premium cards waive fees in year 1 only or require a minimum annual spend (e.g. $5,000) to keep the waiver. Set a reminder before renewal.
Common Mistakes to Avoid
The five most expensive errors people make with credit cards:
- Applying for too many cards at once. Each application is a hard credit pull. 3+ pulls in 6 months drops your score 30-50 points. Space out applications by at least 90 days.
- Only paying the minimum. If you have $5,000 balance at 24% APR and pay only the minimum (5%), you'll pay $1,500+ in interest before clearing the debt. Always pay in full when possible.
- Ignoring the fine print on welcome bonuses. "Get $200 cashback!" usually requires spending $3,000 in 90 days. Read the qualifying spend, the eligible categories, and the payout timeline.
- Not using benefits you've already paid for. If you pay a $400 annual fee for a card with airport lounge access, lost-baggage insurance, and concierge — use them. Most users don't claim 80% of what they paid for.
- Treating credit cards as free money. They're high-cost short-term loans. The minimum payment cycle is designed to keep you indebted for 7-10 years on average.
How to Choose the Right Credit card in Italy
- Annual fees — compare across banks, some offer zero fee for the first year
- Interest rates — lower rates save money if you carry a balance
- Rewards and benefits — match to your spending habits
- Eligibility — salary and documentation requirements vary by bank
- Digital access — mobile app, internet banking, contactless payments
- Customer support — 24/7 helpline, branch network, dispute resolution time
- Regulation — check the issuer's licence on the Banca d'Italia public register before you apply
Frequently Asked Questions: Credit cards in Italy
What is the best credit card in Italy for 2026?
The best credit card depends on your priorities — income level, spending habits, and eligibility. Use the comparison table above to filter by rate, benefits, and bank. For premium benefits with worldwide acceptance, look at Platinum tier cards. For low income requirements, classic tier cards offer easier eligibility. Compare the 15 products in this guide above.
What credit score do I need for a credit card in Italy?
Buzdy does not hold credit-score or credit-bureau data, and each bank sets its own threshold. None of the 15 products in this guide publish a minimum income requirement on their product page, so ask the bank directly before applying.
Can I apply online for a credit card in Italy?
Yes, most major banks in Italy now offer fully online applications. Tap "View" on any credit card above to start the application process directly with the bank.
What documents do I need?
Standard documents: valid government ID, tax identification number, proof of address (utility bill or rental agreement), latest 3 months of payslips (for salaried applicants) or 6 months of bank statements (self-employed), and a recent passport-size photograph. Exact requirements vary by bank.
Are these credit cards regulated and safe?
Retail banking in Italy is supervised by Banca d'Italia. Buzdy has not individually verified the licence status of each issuer on this page, so check the regulator’s own public register before you apply — and escalate an unresolved dispute there.
Can I get a credit card if I am self-employed in Italy?
Yes. Self-employed applicants typically need: business registration, latest tax returns, 6 months of bank statements, and audited financials (for higher tiers). Approval rates are lower than for salaried applicants but several banks specifically cater to small business owners.
What happens if I default on payments?
Missed payments trigger late fees, a credit-score drop, and a higher interest rate going forward. After 90 days of non-payment, the account goes to collections and is reported to credit bureaus. Contact your bank BEFORE missing a payment if you have trouble — most banks offer hardship plans.
Related Guides for Italy
- All banks in Italy
- Bank branches across Italy
- Credit Cards In Italy 2026
- Personal Loans In Italy 2026
- Savings Accounts In Italy 2026
- Italy EMI calculator
- Italy savings calculator
How We Compare
Our editorial team reviews each product based on annual fees, interest rates, rewards programs, eligibility requirements, and verified bank disclosures. We update this comparison regularly to reflect the latest offers. Data is sourced from official bank websites and verified where regulatory filings are publicly available.
Buzdy compares products from 555 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
Disclosure: Buzdy may earn a referral commission when you apply through links on our site. Commissions never influence rankings. Read our full editorial standards.
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