Live offers across tracked providers in Italy — updated daily from the Giraffy database.
22 live offers compared from 19 providers, from €0 /anno. Updated daily.
€0 /anno
Gratuita il primo anno se utilizzata almeno una volta. Dal 2° anno €49. Carta aggiuntiva €36.
€0 /anno
Con Conto Corrente Arancio Light: 2€ al mese o 0€ con spesa di 500€/mese o Pagoflex attivo
€0 /anno
Essere maggiorenne e residente in Italia, avere un conto corrente bancario o postale appartenente al circuito SEPA, avere un reddito annuale lordo di almeno 25.000 euro
€0 /anno
40€ annui per non titolari di SelfyConto. La carta è personalizzabile in tre colori differenti
€0 /anno
Nessun canone annuale per sempre. Zero spese per l'apertura, l'estratto conto e l'invio della carta/fatture
€0 /anno
Costi di attivazione gratuiti
€0 /anno
€0 /anno
Quota gratuita il 1° anno. Dal 2° anno €7 al mese.
€0 /anno
Canone a 0€ se si spendono almeno €6.000/anno; riduzione del 50% se si spendono almeno €3.000/anno.
€0 /anno
Offerta valida fino al 31 marzo 2026
€19.95 /anno
Canone annuale di €19,95. Disponibile anche in versione Virtuale.
€43 /anno
Costo di emissione 10€. Carta familiare/aggiuntiva: 32€
€44 /anno
Canone annuale €44. Carta aggiuntiva €25. Emessa da Deutsche Bank.
€60 /anno
Disponibile per clienti Intesa Sanpaolo
€70 /anno
Canone annuale €70. Carta aggiuntiva € 35. Emessa da Deutsche Bank.
€840 /anno
Essere maggiorenne e residente in Italia, avere un conto corrente SEPA, avere un reddito annuale lordo di almeno 45.000 euro
Price on request
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Italy's credit card market is dominated by the major national banks (Intesa Sanpaolo, UniCredit, Banca Mediolanum) and payment specialists (Nexi, American Express), alongside digital challengers like TF Bank and ING. Understanding how Italian credit cards work is essential before comparing deals, as they differ in important ways from cards in other markets.
Italian credit cards fall into two primary categories:
"A saldo" (Charge card / full balance) — The most common type in Italy. The full outstanding balance is automatically debited from your current account once per month on a fixed date (typically the 10th or 15th of the following month). There is no revolving option and no interest is charged provided you maintain sufficient funds. These are the most financially prudent choice for regular spenders.
Revolving — A flexible repayment card where you choose a minimum monthly repayment (typically 3% of the outstanding balance, minimum €30). The remaining balance carries over to the following month and interest is charged at the card's TAEG. Revolving cards carry significant interest costs if balances are not cleared promptly — the TAEG on Italian revolving cards typically ranges from 14% to 23%.
Canone annuo (annual fee) — Most Italian credit cards charge an annual subscription fee (canone). This is sometimes called "quota associativa". Many cards waive the fee for the first year (primo anno gratuito) or offer a zero-fee first year as a promotional incentive. After the promotion, standard fees apply.
Canone azzerabile — Some cards automatically reduce the annual fee to zero if you meet a monthly spend threshold (e.g., spend €500/month or more). Always check the fee-waiver conditions.
Plafond — The credit limit (plafond) in Italy is typically a monthly spending limit rather than a cumulative revolving balance. The plafond is the maximum you can spend in any given month and resets each billing cycle.
TAEG (Tasso Annuo Effettivo Globale) — The equivalent of APR in Italy. This is the total annual cost of credit including interest (TAN) and all mandatory charges. The TAEG is the standard comparison metric for revolving credit cards and consumer credit in Italy.
Imposta di bollo — Italian credit card statements are subject to a government stamp duty (imposta di bollo) of €2 per quarter if the balance exceeds €5,000. This is an unavoidable regulatory cost.
Rewards programmes are less ubiquitous in Italy than in the UK or US, but premium cards increasingly offer them. Common programmes include:
Premium Italian credit cards often include travel insurance, airport lounge access, and purchase protection as standard benefits. Key things to check:
Italian credit cards typically require you to hold a current account (conto corrente) with the issuing bank or within the SEPA network. Some cards (notably revolving cards like Advanzia's offering) do not require a linked current account. Income requirements vary: American Express Gold requires a gross annual income of at least €25,000.
What is the difference between "A saldo" and "Revolving" in Italy?
"A saldo" means the full balance is debited automatically each month — no interest charged. "Revolving" means you pay a minimum monthly instalment and carry the remaining balance at interest (TAEG). Always prefer "A saldo" unless you specifically need revolving flexibility.
Is the annual fee avoidable?
Many Italian cards offer a fee waiver if you spend above a monthly threshold ("canone azzerabile"). Check the specific conditions. Some cards (TF Bank, Advanzia, TF Mastercard Gold) genuinely have no annual fee.
Can I use an Italian credit card abroad?
Yes. Most Italian cards work on Visa, Mastercard, or American Express networks internationally. Check the foreign transaction fee (commissione estera) — typically 2%. Some revolving cards (TF Bank, Advanzia) waive this fee entirely.
The cheapest Credit Cards in Italy is €0 /year from BNL.
Minimum score requirements vary by card and issuer. In Italy, scores are reported by your national credit bureau. Premium rewards and travel cards typically require a good-to-excellent score, while secured or entry-level cards are available with lower or no credit history. Checking eligibility with a soft search won't affect your score.
Giraffy tracks 5 credit cards across BNL,ING,American Express,Banca Mediolanum,TF Bank banks in Italy. Use the 'No Foreign Fees' filter on the card detail to find cards that don't charge for overseas spending — useful if you travel or shop in foreign currencies online.
A balance transfer moves your existing credit card debt to a new card, often at 0% interest for an introductory period. You typically pay a one-off transfer fee (1–3%). If you can repay the balance before the 0% period ends, you save on interest — check the revert rate carefully.
Rewards cards earn points, miles, or cashback on every purchase. Cashback is the simplest — a percentage of spending returned as cash. Points and miles can be worth more if redeemed for flights or hotels, but require more active management. Annual fees are often offset if you spend above a certain threshold.
Yes — several cards tracked by Giraffy in Italy charge no annual fee. They typically offer fewer perks than premium cards, but are the most cost-effective choice if you pay your balance in full each month and want a card purely for convenience or building credit history.
If you pay your full statement balance by the due date each month, you pay zero interest. Interest only applies to carried balances, cash advances, or missed payments. The representative APR shown on each card covers all standard purchase interest — compare APRs when choosing a card you might not always pay off in full.
Your credit limit is the maximum you're allowed to borrow at any time. Your available balance is what's left after deducting current transactions. Staying well below your limit — ideally under 30% — helps maintain a healthy credit utilisation ratio, which is a key factor in your credit score.