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Isracard review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Isracard runs two different products under one roof, a cashback credit card and a prepaid card, and the split matters for costs. Shoppers who want spending money back and a revolving credit line fit the cashback card, at a cashback rate of 0.75% to 1%, while parents get a free prepaid card.

Key facts

Best for
Israeli households wanting a cashback credit card or a free prepaid card for a child.
Currency conversion fee
2.9% (Source, checked September 26, 2026)
Rewards type
Cashback (Source, checked September 26, 2026)
Rewards rate
up to 1% cashback per purchase in the first year, up to 0.75% from the second year, capped at 400 ILS accrual per month (Source, checked September 26, 2026)
Perks
Up to 1,200 ILS cashback a year, Digital gift card usable as a mobile wallet card, Double cashback when linked with Topcash, Up to 10% discount with mycash.style, Extra non-bank revolving credit limit, Up to 14 days free travel insurance extension, 0% foreign currency fee promotion (Source, checked September 26, 2026)
Cashback rate
0.75% to 1% (Source, checked September 26, 2026)
Card kind
Credit (Source, checked September 26, 2026)
Legal entity
Isracard Ltd (Source, checked September 26, 2026)
Headquarters
Israel (Source, checked September 26, 2026)
Founded
1975 (Source, checked September 26, 2026)
Support channels
Phone, Chat (Source, checked September 26, 2026)
Features
Rewards
Audience
Kids
Official website
isracard.co.il

Debit cards

Monthly fee
₪0 (Source, checked September 26, 2026)
Currency conversion fee
2.9% (Source, checked September 26, 2026)
Card type
Prepaid (Source, checked September 26, 2026)
Top-up fee
Free for the first 3 months, then ILS 3.5 per top-up (Source, checked September 26, 2026)
Card network
Mastercard (Source, checked September 26, 2026)
Legal entity
Isracard Ltd (Source, checked September 26, 2026)
Headquarters
Israel (Source, checked September 26, 2026)
Founded
1975 (Source, checked September 26, 2026)
Support channels
Phone, Chat (Source, checked September 26, 2026)
Features
Rewards
Audience
Kids

Pros and cons

Pros

  • The prepaid card carries a monthly fee of ILS 0, so nothing to pay each month
  • Cashback of 0.75% to 1% on the credit card, paid as cashback rather than points
  • The top-up fee is Free for the first 3 months, then ILS 3.5 per top-up, so the no charge period is brief and later loads cost a flat amount each
  • Perks include a digital gift card usable as a mobile wallet card and a foreign currency fee promotion

Cons

  • The travel card charges a currency conversion fee of 2.9%, above the 0% cashback median
  • Cashback accrual is capped each month, so heavy spenders earn less than the headline rate
  • Support runs on phone and chat only, with no branch network listed
Isracard

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Scored 9.0 / 10 by DebitCue.

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Who it suits

  • Shoppers who want cash back on everyday spending rather than points
  • Parents who want a prepaid card in a child's name
  • Travellers who mainly spend abroad in a single market

Who should look elsewhere

  • Shoppers who want miles or points based rewards, since the rewards are cashback
  • Anyone planning to hold several currencies at once, as the card is not multi currency
  • Travellers who will use the travel card often, given the currency conversion fee

Who runs it

Isracard is run by Isracard Ltd, which is based in Israel and has been in the payments business since 1975. The same issuer handles both the cashback credit card and the prepaid card, so the account structures sit side by side rather than in separate companies. Help runs through phone and chat, which covers phone and chat but no counter service.

How Isracard compares

Where Isracard is available

Available
Israel

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does the Isracard cashback credit card cost?+

The cashback card pays 0.75% to 1% back on purchases, at the top rate in the first year and the lower rate after that. It is a credit card, so it comes with a revolving credit limit rather than a deposit, and the perks list points to extra non-bank revolving credit.

Is there a charge for spending abroad?+

The travel card applies a currency conversion fee of 2.9% on foreign spend, which sits above the 0% median across cashback cards. The cashback card carries a foreign currency fee promotion as a listed perk, so the two products behave differently abroad.

What is the cashback worth over a year?+

Perks list up to 1,200 ILS cashback a year, and the rate is 0.75% to 1% depending on how long you have held the card. The listed perks also include double cashback when the card is linked with Topcash, so using that partner changes what you earn.

Who is the prepaid card aimed at?+

The listed audience for the prepaid card is kids, so it is built for a child rather than an adult main card. It runs on the mastercard network, and the digital gift card perk can be used as a mobile wallet card, which suits a younger user.

How do I reach Isracard if something goes wrong?+

Support is offered through phone and chat, which covers phone and chat. There is no branch or in-person channel listed, so any issue with a top-up or a cashback payment is handled remotely.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Annual fee, APR.

Isracard

Isracard

Israeli households wanting a cashback credit card or a free prepaid card for a child.

9.0/10See alternatives