Published AXI Card costs
AXI Card is a credit line offered by AXI Finance IFN S.A., with a limit of up to 4,000 lei. The lender determines the approved amount and individual conditions after assessing the application. An available limit is not an amount you have to spend in full.
Full repayment and minimum repayment cost different amounts
The official page publishes interest of 0.19% per day, also stated as 5.9% per month, for full repayment. For minimum repayment, the published rate is 0.65% per day, stated as 19.50% per month. Check your contract to establish which condition applies to your balance.
These terms do not describe a 30-day interest-free period. No issuance or administration fee does not mean that borrowed money is free.
The lender’s example: 1,000 lei used
For 1,000 lei used at a POS terminal, the official example gives a total payable of 1,059 lei and APR of 85.04%. This is the example under AXI’s stated conditions, not the cost of every transaction or an extended period of minimum repayments.
The website describes a five-year contract. This is not a promise of five years of equal instalments. Compare withdrawals, purchases and repayments using the tariff and documents provided before signing.
Before applying
Ask for the total repayment for your planned use, the due date and the consequences of minimum repayment. Read the conditions for cash withdrawals, late payments and optional services separately. Keep the personalised offer document.
The official page advertises free issuance, administration and delivery. Still compare borrowing costs for the same amount and duration. A debit card uses your own money; a credit line creates debt.
We do not have a verified public credit-score threshold guaranteeing approval. Eligibility is decided by the lender; opening a link or submitting an application is not approval.
Merchant payments and cash withdrawals
The AXI Card fee list, in force since 25.09.2025, charges nothing for the limit, annual administration or merchant payments in Romania and abroad. A cash withdrawal at an ATM in Romania costs 7.50 RON, and outside the European Economic Area 34 RON; a cash withdrawal at a POS costs 1.1% plus 28 RON. Betting and gambling payments carry a 5 RON fee.
Minimum payment, late payment and closing the card
The minimum amount due is 20% of the total owed, calculated on the 1st of the month; it is a minimum monthly payment, not an instalment. If you pay only the minimum, the published interest is 0.65% a day, compared with 0.19% a day for full repayment. Late payment carries penalty interest of 0.6583% a day for 90 days. To close the card, repay the full amount, then send the closing request together with the card by post or courier. The maximum initial limit is 4,000 RON.
Compare before signing
For AXI Card I separate fixed charges from interest on the used balance. The interest-free period helps only when its deadline and full-repayment condition are met.
I check the statement date and full-repayment deadline separately because the interest-free period depends on meeting both points.
I then compare the cost of the amount actually used, not the card's maximum limit, with the equivalent bank alternative.
Maria Popescu, Editor: Consumer Products
Verified data for this institution
Checked: · AXI Card
Registered entity: AXI Finance IFN S.A. · Registrul Special · RS-PJR-41-110167
Published APR: 85.04%
Published example for the checked product (RO): 1.000 lei utilizați la POS; dobândă 0,19%/zi (5,9%/lună), total 1.059 lei, DAE 85,04%. La rambursarea minimă: 0,65%/zi (19,50%/lună). Nu este perioadă fără dobândă.The example belongs to the cited product and assumptions. It does not describe every product from the institution.