Applying for a Fineco credit card online is easy if you know what to prepare. This guide will walk you through every step, from choosing the right card to understanding fees and requirements.
You'll also discover key differences between each card type and which one fits your lifestyle. Let's start by understanding the full list of card options available from Fineco Bank.
Fineco Credit Card Options Explained
Fineco offers a range of cards to match your spending habits, travel needs, or online shopping behavior. Each card comes with specific features, limits, and fees.
Fineco Credit Card (Standard)
The standard credit card is designed for flexible everyday use with a manageable annual fee. You can use it worldwide and pay your balance the following month. It's ideal for online and in-store purchases.
You can also set spending limits to control your finances. At only €19.95 per year, it's a practical entry-level card. You can also use it to book hotels and pay for utilities.
Fineco Card Debit
This debit card is for customers who want quick access to their account funds. It's charged immediately when you make a transaction.
You don’t need the physical card to withdraw from UniCredit ATMs. For purchases over €99, withdrawals are free in Italy. The MaxiPurchase limit is €5,000. The card costs €9.95 per year.
Fineco Gold World
Gold World is a premium card with high monthly ceilings and exclusive benefits. You get a €5,000/month limit, airport lounge access, and Fast Track at security checkpoints. Travel insurance and Mastercard Reserved benefits are also included.
It costs €69.95 per year but this fee is reset if you spend more than €15,000 annually. It's a strong option for those who travel often. You also get purchase protection for added security.
Fineco Visa Infinite
Visa Infinite is only available to Private customers. It offers a ceiling starting from €15,000 and gives access to 900 luxury hotels.
You also get airport lounge access, purchase protection, and a full travel insurance package. The card comes with My Visa program benefits. It delivers premium experiences and services. This is Fineco's most exclusive card.
Other Fineco Cards Worth Considering
Besides credit and premium cards, Fineco also offers options for additional or specialized use. These include the Extra Card, Link Card, and Rechargeable Card.
Extra Card
If you need extra funds but want to keep control, this is the right card. It's a loan in your pocket without an annual fee. You can spend up to €2,000 and repay it in installments.
It's ideal for managing unexpected costs. The card works independently from your main Fineco credit card. You can request it online like any other card.
Link Card
The Link Card is an add-on to your main card. It shares the same credit limit and is usable by someone else. It’s great for family members or employees.
Even people who don't have a Fineco account can use it. The card ensures shared access while keeping spending centralized. There is no extra annual fee listed.
Rechargeable Card
The Rechargeable Card is made for secure online transactions and daily payments. You can top it up instantly and even assign it to someone else. It is useful if you want control and safety for small purchases.
The card can be recharged for free and used right away. It's popular among parents or people shopping online. No annual fee is mentioned.
Step-By-Step: How to Apply for a Fineco Credit Card Online
You can complete the application process in just a few minutes. Make sure you have the right documents and account access.
- Go to Fineco's website: Visit finecobank.com and log in or create an account.
- Select your card: Choose the Fineco card that matches your needs.
- Start the application: Click "Apply" and fill in your personal and financial details.
- Upload documents: Provide a valid ID, tax code, and proof of income if needed.
- Submit form: Wait for confirmation via email or through your Fineco account.
- Receive card: Once approved, your card will be sent to your address.
Requirements to Apply
To avoid delays, make sure you meet the minimum eligibility conditions. These vary slightly depending on the card.
- Must be at least 18 years old
- Must have a Fineco account (except for Link Card users)
- Must have a valid government-issued ID
- Must provide tax identification (especially if applying from Italy)
- May be asked for proof of income for certain cards
Interest Rates and Spending Limits
Each card has different repayment structures and fees. Know these before you apply.
- Fineco Credit Card: No interest if you pay in full next month.
- Extra Card: Installment interest applies; depends on your agreement.
- Gold and Infinite: High spending limits; annual fee may reset based on spending.
- Debit and Rechargeable: No interest. Immediate or pre-paid use only.
Check the full fee schedules on Fineco’s site before proceeding. Rates are transparent but may vary with your usage.
Compatible Digital Wallets
All Fineco cards support major digital payment tools. This gives you freedom to pay however you prefer.
- Apple Pay: Works with all iOS devices after adding card to Wallet.
- Google Pay: Use on Android smartphones (version 5.0 or later) and smartwatches.
- Garmin Pay: Available on Garmin smartwatches via supported models.
Ensure your device supports NFC to make tap payments. These services are free to activate and use.
Disclaimer: Fineco cards, except the Link Card, are for account holders only. Fees and benefits may change without notice, and some perks like LoungeKey access may involve extra charges.
Fineco Bank Contact and Support Details
Need help during or after the application? Fineco provides full support through various channels.
- Website: finecobank.com
- UK Toll-Free: 0800 640 6667
- International: +44 (0)20 7065 7557
- Registered Office: Piazza Durante 11, Milan 20131
- Headquarters: Via Rivoluzione d'Ottobre 16, Reggio Emilia 42123
You can also chat or request information via the online banking platform.
Choose the Right Fineco Card with Confidence
Fineco offers you a card for every purpose. Whether you're shopping online, traveling, or managing shared expenses, there's a suitable option.
The application process is simple, fast, and secure. Just compare your needs, read the terms, and apply online when you're ready.
