Poste Credit Cards: Complete Guide and Comparison

The world of credit cards can seem like a maze, but with the right guide, finding the ideal solution for your needs becomes a breeze. In this article, we will explore the Poste Italiane credit card offer in depth, analyzing the available products, their pros and cons, and how to apply for them. Whether you are a loyal Poste customer or simply looking for a new card, you will find valuable information to make the right choice.

BancoPosta Classica Credit Card

The BancoPosta Classica Credit Card is the basic solution for those looking for a flexible payment tool and works like most credit cards. Issued by Deutsche Bank, it relies on the Visa or Mastercard network, offering wide acceptance in Italy and abroad.

Main features:

• Monthly credit limit: up to €1,600 (variable based on the customer’s profile).
• Installment payment: possibility to repay purchases in installments or in a single solution.
• Contactless technology: for fast and secure payments up to €50.
• 3D Secure Code: security system for online purchases.
• Online services: account and card management via website or app.

Costs and fees:

• Annual fee: €44
• Withdrawal fees: variable based on the ATM used.
• TAN: Nominal Annual Rate applied to the credit used.
• TAEG: Annual Percentage Rate (APR), which includes TAN and other expenses.

It is essential to consult the “Standard European Consumer Credit Information” (SECCI) document available on the Poste Italiane website or at post offices to know all costs in detail.

Pros:

• Ease of request and management.
• Wide acceptance.
• Possibility to pay for purchases in installments.
• Integrated security services.

Cons:

• Limited monthly credit limit.
• Annual fee.
• Fees on withdrawals.

BancoPosta Oro Credit Card

For those looking for a card with higher performance and premium services, the BancoPosta Oro Credit Card is the ideal solution. Also issued by Deutsche Bank and belonging to the Visa or Mastercard network, it offers a higher credit limit and exclusive benefits, like all gold credit cards.

Main features:

• Monthly credit limit: up to €5,200 (variable based on the customer’s profile).
• Purchase insurance: protection against theft, loss, and damage of purchased goods.
• Dedicated customer support: priority customer service for Gold cardholders.
• Additional services: such as access to airport lounges and discounts at selected partners.

Costs and fees:

• Annual fee: €70
• Withdrawal fees: variable based on the ATM used.
• TAN: Nominal Annual Rate applied to the credit used.
• TAEG: Annual Percentage Rate (APR), which includes TAN and other expenses.

Also in this case, it is important to consult the SECCI to know all details on costs.

Pros:

• High credit limit.
• Premium services included.
• Greater flexibility and security.

Cons:

• Higher annual fee compared to the Classica card.
• Fees on withdrawals.

How to apply for a Poste credit card

Requesting a Poste credit card is a simple and intuitive process, which can be completed online or at a post office.

Requirements:

• Be of legal age.
• Have a BancoPosta current account.
• Possess the required income requirements.
• Have no negative records with CRIF (Credit Bureau).

Necessary documentation:

• Valid identity document.
• Tax code (Codice Fiscale).
• Latest pay slip or tax return.

Online application process:

1. Access the Poste Italiane website.
2. Select the desired credit card.
3. Fill out the online application form.
4. Send the required documentation.
5. Wait for the outcome of the request.

Post office application process:

1. Go to a post office.
2. Bring the necessary documentation with you.
3. Fill out the application form with the help of the staff.
4. Wait for the outcome of the request.

Managing your Poste credit card

Poste Italiane provides several tools to manage your credit card simply and securely.

Online services:

• Website: access your BancoPosta account to monitor expenses, make payments, manage the credit limit, and modify card settings.
• BancoPosta App: download the app for smartphones and tablets to always have the website functionalities at hand.

Security:

• PIN Code: essential for withdrawing cash and authorizing POS payments.
• 3D Secure Code: security code for online purchases.
• SMS Alert Service: receive real-time notifications for every transaction made.
• Card block: in case of theft or loss, immediately block the card via app, website, or contact center.

Comparative and summary table

Feature	BancoPosta Classica Credit Card	BancoPosta Oro Credit Card
Network	Visa or Mastercard	Visa or Mastercard
Monthly credit limit	Up to €1,600	Up to €5,200
Annual fee	€44	€70
Purchase insurance	No	Yes
Dedicated customer support	No	Yes
Additional services	No	Yes (e.g., lounge access)

Conclusions

Choosing the right credit card is fundamental to managing your finances efficiently and securely. Poste Italiane credit cards offer a valid option, combining the capillarity of the post office network with the solidity of Deutsche Bank.

Before requesting a card, it is important to carefully evaluate your needs and compare the different offers. Consider the credit limit, the annual fee, the fees, and the included services.

If you wish to deepen the topic and receive personalized advice, visit the page dedicated to credit cards on TuttoSemplice.com. You will find an information request form to get in touch with experts who will help you find the solution best suited to your needs.

Frequently Asked Questions