Comprehensive guide on credit cards proposed by CheBanca
Looking for a credit card? Then you’re in the right place!
CheBanca, a credit institution that is part of the Mediobanca group, offers its currents a wide and rich offer of credit cards, all equipped with contactless technology and can also be used online.
Let’s find out immediately in the paragraphs that follow all there is to know about the CheBanca credit card.
Index [his off]
- How much is the CheBanca credit card?
- Other costs
- Target: to whom they turn
- How to Apply for CheBanca Credit Card
- How to activate CheBanca credit card
- Type of management
- Which Bank is safe?
- Opinions on the CheBanca credit card
- Join the jadnews Club. It is free!
How much is the CheBanca credit card?
Chebanca credit card, provided in collaboration with Nexi (former Yes Card), is available in four different types – Classic, Prestige, Excellence and Black – with different ceilings and costs in order to adapt to the different needs of customers.
As for the CheBanca credit card as it works, all charges made in the month are charged in the following one-month fee.
Let’s see them now at one by one in detail.
CheBanca Classic credit card
Suitable for everyday purchases, it has a taxable ceiling up to €5,000.
Its annual fee of €36 is reset if you make payments for at least €5,000 in a year.
The canon includes:
- Choice of Visa or Mastercard circuit;
- Sending statement online;
- Insurance to protect purchases, travel and provide you with legal protection for cyber risks.
Credit card CheBanca Prestige
Designed for those who need more spending availability and dedicated services, it has a maximum can be granted from 5,000 € up to 10,000 €. .
Its annual fee of €60 is zero if you make payments for at least €10,000 in a year or discountable €30 if you use it for at least $5,000 in a year.
The canon includes:
- Choice of Visa or Mastercard circuit;
- Sending statement online;
- Insurance to protect purchases, travel and provide you with legal protection for cyber risks;
- LoungeKey to access airport lounges.
- Premium Experience to live exclusive experiences.
Credit card CheBanca Excellence
Designed to offer a high monthly ceiling and even more exclusive benefits, it has a nod-droutable ceiling from €10,000 up to €25,000.
Its annual fee of €250 is reset if you make payments for at least €30,000 in a year.
The canon includes:
- Choice of Visa or Mastercard circuit;
- Sending statement online;
- LoungeKey to access airport lounges;
- Premium Experience to live exclusive experiences;
- Insurance, with even higher ceilings, to protect purchases, travel and provide you with legal protection for cyber risks.
Credit card CheBanca Black
It is the most prestigious CheBanca credit card, created to offer you unique services and reserved experiences.
It is enabled to the Mastercard circuit and allows you to have a maximum that can be granted from € 25,000.
The annual fee of € 500 offers a wide free insurance coverage, even for family members, and is always at your disposal the Personal Planner to book shows, trips and buy gifts
Other costs
Other related charges with CheBanca /Nexi credit card:
- Withdrawals on ATM: 4% commission with a minimum of € 0.52 for transactions carried out in the euro area and a minimum of € 5.16 for transactions carried out in the extra euro area;
- Fuel supply: commission of 0.77 € for each refuelling amount of 100€ or more;
- Increase on the exchange rate for foreign exchange transactions other than the euro: 2% of the amount transato.
Target: to whom they turn
Given the wide offer of Credit cards CheBanca, this product is aimed at a very wide target.
However, it is always good to point out that one of the conditions for having a CheBanca credit card is to be holders of a checking account at the same institution. In addition, one of the other requirements for obtaining a CheBanca credit card is to have reached the age of majority.
There may also be limitations to the maximum ceiling that can be granted depending on the CheBanca credit card, the minimum stock and on the basis of the credit or not the pension or salary on the related account, or by purchasing other related products such as a deposit account.
How to Apply for CheBanca Credit Card
Let’s see now how to get the CheBanca credit card. The CheBanca credit card request can be made directly online by all CheBanca account holders using the internet and mobile banking services offered by the bank.
How to activate CheBanca credit card
As for theActivation of the CheBanca credit card, it must be said that, to offer greater security, it is sent not active, so you must activate it quickly online or through customer service.
As for the activation of the CheBanca credit card, the times may take 3 to 5 working days.
Type of management
The CheBanca credit card can be managed through the internet and mobile banking services of the bank and has in any case advanced services also with regard to operations and security.
Among them are:
- The 3D Secure service protects the Card from any illegal use when you shop online;
- Activation of free payment alerts;
- The Spending Control service that allows you to customize whenever you want and in real time the use of the card, inhibiting payments for some product categories and / or geographical areas;
- PIN View and PIN Change services that allow you to always view the
PIN on digital devices and being able to edit it as many times as you want from ATMs enabled; - The arrangement Pause card through which you can pause the card 48 hours and reactivate it at any time and in total autonomy;
- The Mobile Payments service through which you can pay directly with your smartphone thanks to Apple Pay, Google Pay and Samsung Pay. So you can digitize the card and start shopping even before you get it.
Which Bank is safe?
CheBanca is a credit institution belonging to the Mediobanca group, present for more than 10 years on the Italian territory and has never highlighted reliability problems.
The bank now has more than 800,000 customers divided into the more than 200 branches and offices of Financial Advisors, mainly present in northern Italy.
As for financial stability indicators, the CET1 is equal to 16.1%, among the highest in the Italian banking system.
Opinions on the CheBanca credit card
Now that we’ve also seen how to have the CheBanca credit card and what its features are, let’s also see what the opinions are.
How easy it is to guess, being a versatile product and offering advanced tools, comments and reviews are quite positive.
However, given that as far as activation and plafond are concerned, the last word is always up to the bank, in some cases it may not be easy, when there are no minimum storage conditions, to obtain the types of cards with a higher spending profile.
