All About the Intesa Sanpaolo Credit Card: Costs, Benefits, Requirements and How to Apply
O Intesa Sanpaolo is one of the largest and most solid banks in Europe. Recognized for its stability, innovation, and reliability, the group offers a wide range of financial products—among them, Intesa Sanpaolo credit card is one of the most sought after in Italy.
With it, you can buy anywhere in the world, to have secure payments, full digital control, and even high limits, reaching 100.000€ in premium versions.
In this article, you will understand everything you need to know before applying, including costs, benefits, requirements and practical tips to increase your chances of approval.
The Intesa Sanpaolo credit card is a modern financial solution that allows the customer make purchases with future payment (in cash or installments) and enjoy a range of exclusive services, such as insurance, rewards programs and access to digital wallets.
There are several versions available—from basic options to premium cards—making the product accessible to different profiles: students, workers, businesspeople, or frequent travelers.
Main highlights:
The bank offers various models card options, tailored to each customer's needs and income. Below is an overview of the main ones:
| Card Type | Suitable for | Main Advantages |
|---|---|---|
| XME Credit Card | Personal and everyday use | Payment in cash or installments, adjustable limit, full control via app |
| Gold Credit Card | Professionals and families with stable income | Higher limit, travel insurance, exclusive benefits |
| Exclusive Credit Card | Premium and executive clients | Limit up to €100,000, 24-hour concierge, access to airport lounges |
| Corporate/Business | Companies and self-employed workers | Expense management, accounting reports, corporate benefits |
Each version offers advanced security (3D Secure), fraud protection, and access to priority support in case of emergencies.
The difference with Intesa Sanpaolo is the combination of traditional banking solidity e modern technology. See the main benefits:
With the system 3D Secure, your online purchases require two-factor authentication, drastically reducing the risk of fraud. Additionally, the app allows temporarily block the card at any time.
O Intesa Sanpaolo Mobile app is intuitive and complete. It allows:
You decide how you want to pay for your purchases:
The versions Gold e Exclusive offer automatic travel insurance, such as:
Additionally, they include international medical assistance e 24-hour concierge, ideal for those who travel frequently.
With certain models, the customer accumulates points with each purchase, which can be exchanged for prizes, discounts, airline miles or cashback.
Costs vary depending on the card category, but Intesa Sanpaolo is recognized for maintain competitive rates in the Italian market.
| Card Type | Annuity | Interest Rate (APR) | Other Costs |
|---|---|---|---|
| XME Credit Card | From €30/year | ~14–16% per year (for installment credit) | Free issuance and shipping |
| Gold Credit Card | €70–€100/year | ~13–15% | Insurance included |
| Exclusive Credit Card | On request (premium) | under personalized evaluation | Concierge and VIP benefits |
| Corporate | Personalized | Under contract | Integrated business functions |
💡 Tip: customers with a current account at Intesa Sanpaolo can obtain partial exemptions from annual fees or welcome bonus.
To apply for an Intesa Sanpaolo credit card, you must meet some basic requirements:
💬 Observation: foreign residents may apply, provided they present regular documentation (valid residence permit and proof of residence).
The application process is 100% digital and it only takes a few minutes:
After approval, the card is sent directly to your address in Italy, already enabled for use.
As with any bank, approval depends on the credit rating.
Here are some practical tips to maximize your chances:
✅ Keep proven and stable income (even if autonomous).
✅ Avoid simultaneous requests credit in several banks.
✅ Have clean history in the CRIF system (the Italian “Serasa”).
✅ If possible, open an account with Intesa Sanpaolo before the request — this increases the institution's confidence.
Intesa Sanpaolo is a leader in digital payments in Italy.
With your card, you can make transactions via:
Simply add the card to your device and pay with a simple tap, using technology contactless NFC.
Additionally, the app allows you to generate temporary virtual cards for online shopping — increasing security on websites and e-commerce sites.
Intesa Sanpaolo offers support through several channels:
📞 24h Telephone: available for emergencies (loss, theft, blocking)
💬 In-app chat: direct support with digital assistant
🏦 Physical agencies: more than 3,000 units throughout Italy
🌐 Online Center: monitoring and requests via internet banking
Yes — especially if you're looking for security, reputation and flexibility.
Intesa Sanpaolo combines the strength of a large European bank with modern digital services, serving everyone from the common user to high-end clients.
✅ High limits (up to €100,000)
✅ Visa and Mastercard options
✅ Insurance and anti-fraud protection
✅ Complete and intuitive application
✅ Premium benefits in Gold and Exclusive versions
⚠ May require proof of Italian income
⚠ More stringent approval for non-residents
⚠ Higher annual fees for premium versions
O Intesa Sanpaolo Credit Card is ideal for those who want to unite convenience, security and financial status.
With multiple versions, generous limits and cutting-edge digital support, it stands out among the best cards available in Italy in 2025.
If you live or plan to live in Italy, this is one of the most complete and reliable choices on the market.
