Intesa Sanpaolo Carta di Credito Exclusive is a premium Mastercard built around high spending limits and lifestyle services, including concierge support.
This guide focuses on practical online application steps, key eligibility points, fees, and the way “a saldo” billing affects interest costs.
Always verify the latest terms in the official information sheet (“Foglio Informativo”) before applying, since pricing and service details can change.
What Carta di Credito Exclusive Is
Carta di Credito Exclusive is a charge-style credit card that lets purchases be repaid in a single monthly settlement rather than in installments.
Spending happens within a monthly limit (“plafond”) defined in the contract, and the card runs on the Mastercard network shown on the card.
Transactions are billed to the linked current account with an automatic debit on the 15th of the month after the purchase date.
The product is designed for clients seeking premium services and experiences, at home and while traveling.
Positioning and Network
Intesa Sanpaolo Carta di Credito Exclusive is offered as a premium “Exclusive” product within Intesa Sanpaolo’s credit card lineup.
The website highlights a monthly plafond that can reach 300,000 euros, which signals a high-end target profile.
The card supports online payments and mobile payments where the relevant payment apps and acceptance are available.
Eligibility and Prerequisites
Carta di Credito Exclusive is intended for clients who hold a euro-denominated current account with Intesa Sanpaolo.
The contract is reserved for adult natural persons and requires an Italian tax code (“codice fiscale italiano”).
The information sheet describes target profiles mainly within the consumer segment, with specific financial profile thresholds used as reference points.
Issuance is subject to evaluation, and online operations are tied to having My Key enabled for internet banking and the app.
Financial Profile Thresholds
The information sheet lists “Attività Finanziarie” starting from 75,000 euro as one of the reference requirements.
It also lists a net income or spending profile from 35,000 euro per year, including certain additional income types like rental income.
These thresholds help frame who the card is meant for, but final approval still depends on the overall assessment during application.
Account and Identity Requirements
A euro current account relationship with the bank is described as a prerequisite for the product’s setup and monthly settlement.
Adult status and an Italian tax code are explicitly mentioned as requirements for the contract.
Digital access through My Key is central for managing online and app-based operations linked to the card.
Costs, Fees, and Interest Rates
Carta di Credito Exclusive has a monthly fee (“canone mensile”) listed in the information sheet, so it is not a low-cost card.
Because it is billed “a saldo” with a single debit on the 15th of the following month, it does not present a revolving TAN/TAEG.
It lists a 90.00 euro fee for renewal at expiry of the physical card and 90.00 euro for replacement of the physical card under certain scenarios.
Benefits and Services
The product is positioned around premium services that go beyond basic payments, including travel and lifestyle-related benefits.
The information sheet describes access to LoungeKey, including six free lounge entries per year, with additional visits charged to the card.
It also describes airport fast-track access at certain airports and through a Mastercard Reserve fast-track program reference.
Many services are delivered through third-party partners, so availability and conditions can depend on the specific service guide tied to the card.
Concierge and Premium Support
Exclusive includes a 24/7 concierge service described as available every day of the year for travel planning, bookings, and lifestyle requests.
The service description includes help with reservations, ticketing, and arranging purchases or deliveries for selected items and experiences.
The website provides dedicated concierge contact numbers for cardholders, including 800.002.003 from Italy and an international number.
Security and Controls
The information sheet describes GeoControl as a fraud-prevention tool that can limit geographic usage of the card.
General card risks include unauthorized use scenarios and exchange-rate variability for non-euro transactions.
Using strong device security for digital payments and promptly reporting loss or theft are practical steps aligned with those risk notes.
How to Apply for Intesa Sanpaolo Carta di Credito Exclusive Online
Online management and transactions in internet banking and the app are reserved for My Key holders, so the online path starts with active digital access.
The product page directs non-cardholders to call customer service to learn about “Exclusive,” which suggests a guided onboarding for eligibility and setup.
Applicants should expect a review of their personal profile, current-account relationship, and eligibility elements shown in the information sheet.
Once issued and activated, card details such as PAN, CVV2, and expiry are made available through the remote service, supporting digital-first usage.
Documents and Information to Prepare
Prepare identification and tax code details consistent with the requirement for an Italian “codice fiscale,” plus current contact details used for digital access.
Have current account information ready, as the product is tied to a euro account relationship and uses that account for monthly settlement.
Be ready to document financial profile elements aligned with the thresholds shown in the information sheet, especially if requested during the evaluation.
Keep a plan for the monthly debit date so the account balance supports the full charge on the 15th of the following month.
Using the Card Responsibly
Treat it as a monthly-settlement tool and track spending during the month so the next debit does not create avoidable account costs.
Use GeoControl and sensible transaction settings when traveling to reduce fraud exposure and unexpected declines.
Remember that foreign-currency purchases can include network conversion commissions even when the bank’s conversion fee line shows 0.00%.
When using lounge and concierge benefits, confirm any extra charges, since some services beyond included allowances are billed directly to the card.
Contact Details and Support
Customer service from Italy is available at 800 303 303, and international support is listed as +39 011 8019200.
For Concierge support, the product page lists 800.002.003 from Italy and +39 011.6488.4233 from abroad (paid), with 24/7 availability stated for card blocking and help.
The head office address is Piazza San Carlo, 156, 10121 Torino, with a secondary registered office at Via Monte di Pietà, 8, 20121 Milano.
For official transparency documents, the bank’s transparency area is the reference place to read, save, and print product information sheets.
Final Thoughts
Intesa Sanpaolo Carta di Credito Exclusive fits profiles that want premium services, high spending capacity, and a single monthly settlement.
The key decision points are eligibility, the monthly fee, and whether the included services justify the ongoing cost for the intended use.
Online access is closely tied to My Key and remote banking, so setting up digital credentials is part of being able to manage the card effectively.
Disclaimer: This article is for general information and does not provide financial, legal, or tax advice. Fees, limits, and service availability can change, so always confirm the latest terms in the official Foglio Informativo and transparency pages before applying.
