Crédit Agricole — Carta di credito Nexi Nexi Classic
A plan byCrédit Agricole — Carta di credito Nexi · Visa / Mastercard
The Nexi credit card placed by Crédit Agricole Italia is the bank's still-active Nexi co-branded card: technically issued by Nexi Payments SpA and distributed by Crédit Agricole to its account holders, on the Visa or Mastercard network. The range goes from the Nexi "Classic" (€50/year fee) to Prestige (€150) and Excellence (€300), all charge cards with an optional installment (revolving) repayment. On purchases in a currency other than the euro Nexi applies a 2% markup. A Crédit Agricole current account is required; the APR of the installment option is stated in the European Standard Consumer Credit Information sheet, not in the fee sheet.
Nexi Classic
- Price
- Free
What's included
- €50/year fee (additional card €35)
- Visa or Mastercard network, your choice
- Charge card with optional installment repayment
- FX 2% · cash advance 4%
- Requires a Crédit Agricole account
Data & conditions
| Network | Visa / Mastercard |
|---|---|
| Card type | Revolving credit |
| Backing | Unsecured |
| Issuing bank | Crédit Agricole Italia (emissione tecnica Nexi Payments) |
| Issuance fee | Free |
| Annual fee | Free |
| ATM withdrawal | 4% |
| FX markup | 2% |
| Cashback | Not disclosed |
| Contactless | Yes |
| KYC | Full |
| Privacy | 2/10 |
| Supported countries | EEA · 1+ countries |
| Funding / solidity | Grande banca commerciale italiana del gruppo Crédit Agricole · carte di credito co-branded Nexi |
| Regulator | Banca d'Italia |
| Segment | B2C |
| Funding / solidity | Large Italian commercial bank of the Crédit Agricole group · Nexi co-branded credit cards |
| MiCA / License status | Banca (Crédit Agricole Italia S.p.A.)Emittente carte Nexi Payments SpA (IMEL, Albo art. 114-quater TUB n. 32875.7) Supervised bank (Crédit Agricole Italia) · cards issued by Nexi Payments (e-money institution) |
Strengths
- Choice of international network (Visa or Mastercard), widely accepted unlike proprietary networks
- A classic charge card from a large bank, with an installment option you activate only if needed
- Range with increasing limits and services (Classic / Prestige / Excellence) to match the card to your spending
- Free online statement and 3D Secure anti-fraud services included
- No notable sovereignty advantage documented.
Weaknesses
- Annual fee from €50 (Classic) to €300 (Excellence): expensive versus zero-fee bank credit cards
- 2% currency-conversion fee on foreign-currency purchases
- Requires a Crédit Agricole current account: cannot be opened on its own
- Installment-option APR not shown in the fee sheet (check the European standard credit sheet before paying by installments)
- Traditional credit card: not self-custody — the account requires full KYC, a credit check, and can be closed or reported to credit bureaus by the issuer.
- Full KYC required: verified identity, zero pseudonymity.
- Funds can be frozen at the platform’s discretion.
- Subject to regulation (Supervised bank (Crédit Agricole Italia) · cards issued by Nexi Payments (e-money institution)): reporting to authorities and freezes on order.
- FATF-aligned jurisdiction: strong cooperation with authorities.
Verdict
An honest but not cheap bank credit card: the fee starts at €50/year for the Classic and rises to €300 for the Excellence, with no cashback and a 2% FX fee. Its edge over a zero-fee card is the solidity of the Crédit Agricole distribution and the network choice; otherwise it is expensive versus free alternatives (e.g. zero-fee cards from neobanks or direct banks). Below-average rating: you pay the fee without a concrete return in points or rebates.
A credit card is a credit line, not custody of funds: no self-custody, no user balance. A fully tracked and censorable instrument — full KYC, issuer Nexi Payments and distributing bank Crédit Agricole profiling transactions and able to suspend the line. On the sovereignty lens it is the opposite of trustless tools: no anonymity, no censorship resistance.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
How much does the Crédit Agricole Nexi credit card cost?
The maximum annual fee in the fee sheet is €50 for the Nexi card (Classic), €150 for Prestige and €300 for Excellence; the additional card is €35 on the Classic. The actually applied terms are in the contract summary document.
What fees apply to spending abroad?
On purchases in a currency other than the euro Nexi applies a 2% markup on the networks' exchange rate. Cash advances cost 4% (minimum €0.52 in the Euro area, €5.16 outside it).
Sources
- Official service page Data verified on Jul 12, 2026
- static.credit-agricole.it Data verified on Jul 12, 2026