UniCreditCard Flexia Gold is a credit card with optional repayment methods designed for UniCredit account holders.
It is positioned as a “rimborso opzionale” card, meaning you can keep the standard pay-in-full setup and also use installment or revolving options.
The stated spending limit can reach up to €15,000, subject to approval and credit assessment.
What the Flexia Gold card offers
UniCreditCard Flexia Gold is presented as a higher-limit card intended for more monthly purchasing capacity and added services.
The card is issued in “a saldo” mode by default, which means charges are normally paid in one solution in the following month.
From there, you can use supported options to manage how purchases are repaid, including installment features and revolving.
Extra travel-related and purchase-related coverages are referenced as included services for this Gold version.
Key costs and interest rates to understand
UniCredit lists fixed examples for installment and revolving scenarios on the product page, which is a helpful way to compare repayment choices.
The annual fee (€78) and issuance fee (€10) are part of the baseline costs shown for the primary card.
Cash withdrawals have a stated fee of 4% with a minimum charge of €2.50, which can materially raise the cost of using the card for cash.
Official contractual conditions are provided during the request flow via the European consumer credit information module referenced on UniCredit’s site.
Pay-in-full and optional installment repayments
The default “a saldo” approach is described as paying the following month in a single solution without interest on the statement balance under that mode.
UniCredit also shows an optional installment example for a €1,200 purchase repaid over 6 months with TAN 11.98% and TAEG 12.66%.
In the same example, the total amount due is shown as €1,230 with €30 in interest and a €205 monthly installment.
Revolving option and the illustrated cost example
For revolving repayments, UniCredit shows a representative TAEG of 20.82% calculated using a fixed nominal annual rate (TAN) of 13.90%.
A separate revolving illustration on the same page shows €533.61 in total interest on a €3,000 operation, with a total amount due of €3,533.61.
Revolving is described as a rotating repayment method with monthly payments not below a minimum level.
Other fees that can affect the total cost
UniCredit lists a €57 cost for a family/additional card.
€2.54 for sending a copy of previous statements, while sending a paper statement is shown as €0 in the displayed conditions.
For users who want to move the charge date, UniCredit shows an option to postpone the debit date (from the 5th to the 27th) at a cost of €2 per month.
Eligibility and what to prepare before you apply
Flexia Gold is described as dedicated to UniCredit “correntisti,” so having a UniCredit banking relationship is part of the positioning.
UniCredit reserves the right to evaluate creditworthiness before issuing the product.
During the request process, the European consumer credit information document referenced by UniCredit is part of how the conditions are presented.
Planning ahead by reviewing the fees and example rates can help you decide whether to pay in full, installments, or revolving best fits your budget.
Account-holder focus and credit assessment
Flexia Gold is intended for UniCredit current-account customers seeking higher spending availability.
Approval is tied to an internal credit assessment, so limits and availability depend on individual evaluation.
Costs like annual fee, issuance fee, and cash-withdrawal charges are shown upfront, making it easier to estimate baseline usage expenses.
How to apply online for UniCreditCard Flexia Gold
UniCredit’s pages reference applying/handling Flexia card features through digital channels such as Banca via Internet and the Mobile Banking app.
The online/app flow is where you are directed to consult the European consumer credit information module connected to the card request.
If you prefer assisted guidance, UniCredit also supports customer-service and branch routes for card-related actions.
Once submitted, the request is evaluated and, if approved, delivery and activation steps follow the timelines shown on UniCredit’s product page.
Applying through UniCredit digital channels
UniCredit references “Banca via Internet” and the “App Mobile Banking” as channels used for Flexia card management and in-app/online flows.
During the request stage, the contractual conditions are tied to the European consumer credit information module that appears in the request journey.
If you are not already enabled for UniCredit’s multichannel banking, UniCredit points to its multichannel service as the base for internet/app access.
Receiving, activating, and using the card safely
The card supports chip-and-PIN and contactless payments, with rule-based PIN prompts for low-value contactless transactions.
Flexia Gold also supports mobile-wallet payments such as Apple Pay, Samsung Pay, Google Pay, and BANCOMAT Pay through UniCredit’s ecosystem.
Repayment options can be adjusted within the timeframe UniCredit specifies, using approved channels like app, web, phone, ATMs, or branch support.
Delivery and activation options
UniCredit states delivery is handled via courier within 15 days after approval.
Activation methods include an in-store/ATM operation using chip-and-PIN, activation via app or internet banking, and activation via phone support.
The product sheet also lists contacting the dedicated number 800.078.777 as one activation option.
Payments, contactless limits, and mobile wallets
UniCredit describes chip-and-PIN usage and confirms that contactless can work without PIN for amounts up to €50 within the cumulative threshold.
The same product page references Apple Pay, Samsung Pay, Google Pay, and BANCOMAT Pay as supported payment solutions for Flexia Gold.
The app is also presented as a place to monitor card movements, set limits, and manage card status features.
Customer support, phone numbers, and bank address
For general UniCredit multichannel telephone banking, UniCredit shows the free number 800.57.57.57 available 24/7 for many automated services.
For card-specific support referenced on the Flexia Gold page, UniCredit lists the customer-service number 800.078.777
For calls from abroad related to the telephone banking service, UniCredit provides +39 02 33408973 on its Banca via Telefono page.
UniCredit’s registered and head office address is Piazza Gae Aulenti 3 – Tower A, 20154 Milano, Italy.
Conclusion
UniCreditCard Flexia Gold is built around a higher spending limit and the ability to choose repayment approaches.
Before applying online, review the fees and the example interest rates so your repayment choice matches your budget.
When you are ready, start your request through UniCredit’s official channels and keep the approval-to-delivery timeline in mind.
Disclaimer: This article is for general information and does not replace the official contractual documents provided during the application flow. Rates, fees, and examples can change, and final conditions depend on the materials shown in the European consumer credit information module and the approved contract. Credit approval and limits depend on a creditworthiness assessment and may differ from the illustrative examples published online.
