Crédit Agricole — Carta di credito Nexi Nexi Excellence
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 Excellence
- Annual price
- €300
- FX markup
- 2.5%
- ATM fee
- 4.8%
What's included
- €300/year fee (additional card €220)
- Premium tier: free renewals and emergency services
- FX 2% · cash advance 4%
Maximum values from the fee document (no.16/2025): annual fee up to €300, FX +2.5%, cash advance up to 4.80% (min €0.52 euro area, €5.16 outside). Actual terms applied by Crédit Agricole are in the contract summary.
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 | €300/year |
| ATM withdrawal | 4.8% |
| FX markup | 2.5% |
| 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: the European standard credit information (IEBCC) document provided before opting in prevails
- 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.
Reputation
What happened to people who used Crédit Agricole — Carta di credito Nexi, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
History not verifiedWe have not yet completed the incident search for this service: no entries here does not mean no events.
Public reviews
-
App Store ↗
4.6/5
346,715 reviews
Rating of the «Nexi Pay» app (Nexi Payments S.p.A.) on the Italian storefront, read from Apple's public endpoint (exact value 4.63206 across 346,715). This is the app actually used to manage this card — balance, transactions, blocking, instalments — because Nexi is the technical issuer; it is not a rating of the card as distributed by Crédit Agricole, nor of the banking relationship.
-
Google Play ↗
4.5/5
105,328 reviews
Value taken from the structured data of the «Nexi Pay» Play listing (4.4985 across 105,328), not from the rounded label. Same caveat: it is the management app for the Nexi-issued card, not a verdict on the distributing bank.
Weighted average across 2 public review platforms (452,043 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
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 Prezzo annuale eur · FX markup · ATM fees Data verified on Jul 22, 2026
- static.credit-agricole.it Data verified on Jul 12, 2026
Update history
- Maximum costs added from the fee document: annual fees up to €50 (Classic), €150 (Prestige), €300 (Excellence) — previously shown as €0 — plus +2.5% FX and cash advance up to 4.80%.