illimity offers a digital credit card you can request from your account area and manage from the app.
The card is issued on the Nexi circuit and is requested “tramite Banca,” with the product details shown in the official transparency documents.
Before applying, it helps to know the fees, limits, and repayment rules so you can compare them to how you spend each month.
What the illimity Carta di Credito is
This card is a Carta di Credito Nexi available to illimity clients and usable online and in-store where the international circuit is accepted.
Spending happens within a monthly limit (plafond), and the statement is then repaid later according to the card’s rules.
The card can be managed from illimity’s digital channels, with controls like 3D Secure and in-app card management features.
Availability and final approval depend on the bank’s evaluation when you request the card inside your account.
Where the card works and how it’s used
The card supports purchases at participating merchants and can also be used for online payments where the circuit is accepted.
Cash withdrawals are possible as anticipo contante at enabled ATMs and banks, within the available limit.
Foreign-currency transactions are converted using circuit rules, with an added FX commission applied by the issuer.
Limits, controls, and security
illimity shows a massimale mensile 1.500€ for the credit card, with the possibility to request an increase.
The credit card pages also describe adjusting usage limits in-app and online, with daily or monthly controls up to stated caps.
Security tools listed include 3D Secure, alerts, and the ability to manage payment channels and usage areas.
Eligibility basics and what to prepare
The request is made from your illimity home banking, so the first prerequisite is having an active illimity account.
Approval is subject to the bank’s assessment, so having consistent personal data and account information helps avoid delays.
Expect to confirm identity and address details during account setup and product requests, since delivery requires a valid address.
Keep your phone ready for app access, because most steps and controls are handled digitally through the illimity environment.
Documents and information commonly needed
Account opening guidance for illimity notes you should have an identity document available for the digital process.
A stable delivery address is important because the card request flow asks you to choose where the card will be sent.
Personal details used for compliance and verification should match official records to prevent a request from being paused.
Who can request the card inside illimity
illimity explains that to request the credit card you enter the CARTE section in home banking and select the credit card option.
The credit card is positioned as part of illimity’s cards and payments offering, with plan-based conditions depending on your account type.
The final decision remains subject to the bank’s evaluation, even if the request flow is fully online.
Step-by-step: how to apply online
Start by logging into your illimity account via app or web area so you can access the CARTE section.
Select AGGIUNGI CARTA and choose CARTA DI CREDITO, following the on-screen prompts.
Enter the address where you want to receive the card, using a residential or domicile address as indicated in the support guidance.
Submit the request and wait for the bank’s evaluation, then track updates from your account area if your profile requires checks.
After approval: delivery, activation, and first use
The support guidance states the card is shipped to the address you indicate, so delivery depends on the correct address details.
Once received, the card is typically activated and managed from the app, where you can view features and controls.
You can then set practical controls like spending limits and usage settings in your private area for day-to-day safety.
Managing the card in the app
illimity highlights app-based management features such as security controls, alerts, and wallet support depending on your setup.
You can monitor spending through account tools and keep track of the monthly limit and transactions.
For help, illimity provides dedicated support sections and contact channels you can use if something blocks your request or usage.
Fees, interest rates, and key costs
Illiimity lists the credit card annual fee as 0€ with Conto Premium and Plus, and 20€ per year with Conto Classic and Smart.
Repayment shown on the monthly statement happens in a single solution and without interest.
Interest of mora is not provided, which matters if you are comparing penalty structures across cards.
For cash withdrawals, a maximum cash-advance commission (percent with minimum fees) can apply depending on the currency area.
Foreign currency and cash advance costs
For non-Euro transactions, the issuer applies a 2.5% commission on the converted amount, on top of the circuit exchange rate mechanism.
For cash advances, the document lists a maximum commission of 4.80% with stated minimum amounts depending on euro or non-euro areas.
ATM owners or banks may add extra charges for withdrawals, which are displayed or communicated at the time of the transaction.
Customer support, phone, and address
illimity’s contacts page lists Smart Care phone support for product information at 02 82849660.
The same page also shows a main switchboard contact at 02 82849000 in the “Altre informazioni” section.
For legal and administrative address references, the credit card transparency document shows Via Soperga 9, 20124 Milano, for the bank as distributor.
If you need written communication channels, the card transparency document lists info@illimity.com and illimity@pec.illimity.com for the bank.
Conclusion
illimity’s Carta di Credito is a digital-first option you request from home banking and then manage with in-app controls.
Its repayment is described as single-solution and without interest in the Nexi transparency document, while some operations can still carry commissions.
If the annual fee and limits fit your spending habits, start in the CARTE section, submit the request, and use support contacts if you hit a verification step.
Disclaimer: This article is for informational purposes and does not provide financial, legal, or tax advice. Always review the official foglio informativo/contratto and confirm current terms in your illimity area before applying or using the card.
