Creditum Credit Cards

Access your cash at ATMs worldwide or spend it online or in stores where major cards are accepted with a Creditum credit card!

With a Creditum credit card you can access your cash at ATMs worldwide, spend it online or in stores where major cards are accepted.

Creditum offers a range of credit cards to suit the needs of our customers. Cards are tiered according to different credit and spending limits. Each one has a wide range of benefits.

Uniquely, it will be possible to have a Creditum card even with a poor or non-existent credit rating, and without credit checks!

How do the credit cards work?

A conventional card issuer decides to issue a card based upon the applicant’s credit history. This takes time and often results in a refusal. (This can itself further damage the applicant’s credit rating!). Furthermore, conventional cards are also very expensive if the user fails to pay off the balance.

With Creditum, the card will be issued in exchange for the user lodging accepted crypto currency in the digital vault. The credit limit will be set as a proportion of the lodged collateral. Otherwise the card works like any other: pay off the entire balance at the end of the month and you will pay no interest, or you will be charged interest on any outstanding balance.

You can pay your bill from within the Creditum system via the App or online, or by external transfer. You can also increase your credit limit by simply transferring more crypto currency from your wallet to the collateral vault.  So now, you can have your crypto and spend it too!!

Silver Card
  • Card Issue fee €10
  • Annual fee €10
  • Credit Limit (% of lodged crypto) 35%
  • Daily Spending Limit € 2,500
  • Daily ATM Withdrawal Limit € 500
Gold Card
  • Card Issue fee €10
  • Annual fee €10
  • Credit Limit (% of lodged crypto) 35%
  • Daily Spending Limit € 5,000
  • Daily ATM Withdrawal Limit € 750
Black Card
  • Card Issue fee €10
  • Annual fee €10
  • Credit Limit (% of lodged crypto) 40%
  • Daily Spending Limit € 10,000
  • Daily ATM Withdrawal Limit € 1,000

Plus! Get 1% Cashback, Hotel upgrades at participating hotels and luxury travel and hotel services, and enjoy full control of your card account online or through the mobile App