Credem — Carta Ego Classic / Gold Carta Ego Gold
A plan byCredem — Carta Ego Classic / Gold · Mastercard
Carta Ego is the charge card (with an instalment option) of Credem, an Italian bank of the Credito Emiliano group, available to account holders. The Classic version is free the first year, then €39/year, waivable with ≥€6,000 of spending over 12 months; the Gold costs €100/year on the Mastercard network, with a higher limit and Mastercard travel services (Airport Security Fast Track, Flight Delay Pass). They are charge cards: no interest if you settle the statement. A strength is the low foreign cost: negotiation charges on non-euro (extra-euro-area) usage are 1.00%, among the lowest of Italian bank cards. If you switch on the instalment option, however, the cost of credit is that of a revolving card: on Classic the official example shows a fixed 13.50% nominal rate and a 20.26% APR.
Carta Ego Gold
- Annual price
- €100
- FX markup
- 1%
- ATM limit
- Anticipo contante: €2,50 fissi a operazione
What's included
- €100/year fee · Mastercard network
- Higher limit + Mastercard travel services (Fast Track, Flight Delay Pass)
- FX (non-euro) 1.00% · cash advance €2.50
- Instalment option: 11.25%–12% fixed rate (example on €5,000)
- Reserved for Credem account holders
Flat-fee cash advance: €2.50 per operation (not a percentage). FX charges: 0.50% for non-euro European countries, 1% for countries outside Europe. From the fee sheet upd. 12/05/2026.
Data & conditions
| Network | Mastercard |
|---|---|
| Card type | Charge |
| Backing | Unsecured |
| APR | 20.26% (fixed) |
| Issuing bank | Credem |
| Issuance fee | Free |
| Annual fee | €100/year |
| Free ATM limit | Anticipo contante: €2,50 fissi a operazione |
| ATM withdrawal | Free |
| FX markup | 1% |
| Cashback | Not disclosed |
| Contactless | Yes |
| KYC | Full |
| Privacy | 2/10 |
| Supported countries | EEA · 1+ countries |
| Funding / solidity | Gruppo bancario italiano · carte di credito a saldo con opzione rateale per correntisti |
| Regulator | Banca d'Italia / BCE |
| Segment | B2C |
| Funding / solidity | Italian banking group · charge credit cards with instalment option for account holders |
| MiCA / License status | Banca (Credito Emiliano S.p.A. — vigilanza Banca d'Italia / BCE) Italian bank (Credito Emiliano) — supervised by Banca d'Italia / ECB |
Strengths
- Low foreign cost: 1.00% negotiation charges on non-euro-area usage
- Classic free the 1st year and €39 fee waivable with ≥€6,000/year spending
- Gold with Mastercard travel services (airport Fast Track, Flight Delay Pass)
- Charge card: no interest if you pay the full balance at the due date
- No notable sovereignty advantage documented.
Weaknesses
- Reserved for Credem account holders: you must open the account first
- Classic fee waiver tied to high annual spending (≥€6,000)
- Expensive instalment option: on Classic 20.26% APR (official example on €1,500)
- Gold at €100/year: limited travel perks versus the cost; no cashback
- 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 (Italian bank (Credito Emiliano) — supervised by Banca d'Italia / ECB): reporting to authorities and freezes on order.
- FATF-aligned jurisdiction: strong cooperation with authorities.
Verdict
Carta Ego stands out for its low foreign cost (1.00%), rare among Italian bank cards, and for the Classic being free the first year with a waivable fee: for frequent spenders it is one of the more balanced charge cards. The limits are the high spending threshold to waive the fee (€6,000/year), the requirement to be a Credem account holder and an expensive instalment option (20.26% APR on Classic). The Gold at €100/year has modest travel perks for the price. Average rating: good on spending cost, penalised by the constraints and the costly instalment credit.
A credit card is a payment line, not custody of funds: there is neither self-custody nor a user balance here. It is a fully tracked and censorable instrument — full KYC, an issuer (Credem) that profiles transactions and can suspend the line or close the relationship. 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.
Reputation
What happened to people who used Credem — Carta Ego Classic / Gold, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
No known incidentSearch across public sources: no known hack, withdrawal freeze or regulatory action as of the verification date.
verified on
Public reviews
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Google Play ↗
2.4/5
740 reviews
Value taken from the Play listing's structured data (2.35 across 740), not from the rounded label; the «Ratings and reviews» block on the same page shows 724, and the structured figure was used. Same Carta Ego-specific app, built by Asseco and published by Credito Emiliano S.p.A.
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App Store ↗
1.6/5
292 reviews
Rating of the «Credem Mr. Pin eGO» app on the Italian storefront, read from Apple's public endpoint (exact value 1.56507 across 292). Unlike most bank listings, this score is about the product itself: Mr. Pin eGO is the app used only by Carta Ego holders to confirm online purchases (3D Secure). Complaints are almost entirely about being unable to activate the app and authorise payments, not about the card's cost. For comparison, the «Credem Banca per privati» home-banking app scores 4.43 across 31,287 ratings.
Weighted average across 2 public review platforms (1,032 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
FAQ
How much does the Credem Ego card cost?
Ego Classic is free the first year, then €39/year, waivable with ≥€6,000 of spending over 12 months; Ego Gold costs €100/year. Both are reserved for Credem account holders.
How much does it cost abroad or in instalments?
Non-euro-area usage carries a 1.00% negotiation charge. If you spread payments, the cost of credit rises: on Classic the official example shows a 13.50% fixed nominal rate and a 20.26% APR.
Sources
- Official service page FX markup · ATM limits Data verified on Jul 22, 2026
Update history
- Ego Gold costs added from the fee sheet (upd. 12/05/2026): 0.50% FX (non-euro Europe) / 1% (outside Europe) and a flat €2.50 cash advance. FX previously showed as free.