Compare Credit Cards in Austria

Live offers across tracked providers in Austria — updated daily from the Giraffy database.

Live offers

20 live offers compared from 19 providers. Updated daily.

Erste Bank George Gold Card AT Erste Bank Gold AT

Price on request

  • Jahresgebühr: 70 €/Jahr
  • Kaufpreis: 13,99 % effektiver Jahreszins
  • Kartennetzwerk: MasterCard
  • Hauptvorteil: Reiseversicherung + Käuferschutz

Bank Austria Mastercard Classic AT Bank Austria Credit Card AT

Price on request

  • Jahresgebühr: 35 €/Jahr
  • Kaufpreis: 14,99 % effektiver Jahreszins
  • Kartennetzwerk: MasterCard
  • Hauptvorteil: UniCredit – EU-weiter Filialzugang

Raiffeisen Classic Card AT Raiffeisen Gold AT

Price on request

  • Jahresgebühr: 30 €/Jahr
  • Kaufpreis: 14,99 % effektiver Jahreszins
  • Kartennetzwerk: Visum
  • Hauptvorteil: Keiner

Hypo Tirol Visa Classic AT Hypo Tirol Card AT

Price on request

  • Jahresgebühr: 30 €/Jahr
  • Kaufpreis: 13,50 % effektiver Jahreszins
  • Kartennetzwerk: Visum
  • Hauptvorteil: Regionale Landesbank — niedriger Zinssatz

Volksbank Mastercard AT Volksbank Card AT

Price on request

  • Jahresgebühr: 28 €/Jahr
  • Kaufpreis: 13,99 % effektiver Jahreszins
  • Kartennetzwerk: MasterCard
  • Hauptvorteil: Genossenschaftsdividende für Mitglieder

BTV Mastercard AT BTV AT

Price on request

  • Jahresgebühr: 25 € pro Jahr
  • Kaufpreis: 13,50 % p.a.
  • Kartennetzwerk: MasterCard
  • Hauptvorteil: Private Banking Karte

Hypo NÖ Visa AT Hypo NÖ AT

Price on request

  • Jahresgebühr: 20 € pro Jahr
  • Kaufpreis: 13,20 % p.a.
  • Kartennetzwerk: Visum
  • Hauptvorteil: Vorteile einer Regionalbank

Wüstenrot Mastercard Wüstenrot AT

Price on request

  • Jahresgebühr: €0 p.a.
  • Kaufpreis: 12,50 % p.a.
  • Kartennetzwerk: MasterCard
  • Hauptvorteil: Vorteile einer Bausparkasse

Hypo Tirol Visum AT Hypo Tirol AT

Price on request

  • Jahresgebühr: 30 € pro Jahr
  • Kaufpreis: 12,90 % p.a.
  • Kartennetzwerk: Visum
  • Hauptvorteil: Treuepunkteprogramm

Bigbank Visa AT Bigbank AT

Price on request

  • Jahresgebühr: €0 p.a.
  • Kaufpreis: 14,40 % p.a.
  • Kartennetzwerk: Visum
  • Hauptvorteil: Keine Jahresgebühr, keine Devisengebühr

N26 Metall AT N26 Metal AT

Price on request

  • Jahresgebühr: 16,90 €/Monat
  • Kaufpreis: Nicht verfügbar — Kreditkarte
  • Kartennetzwerk: MasterCard
  • Hauptvorteil: Metallkarte; Reiseversicherung; Handyversicherung; Lounge

Bank Austria Visa Classic Bank Austria AT

Price on request

  • Jahresgebühr: 24 €/Jahr
  • Kaufpreis: 20,00 % effektiver Jahreszins
  • Kartennetzwerk: Visum
  • Hauptvorteil: UniCredit-Gruppenvorteile

BAWAG easybank Visa einfach BAWAG P.S.K.

Price on request

  • Jahresgebühr: 22 €/Jahr
  • Kaufpreis: 18,99 % effektiver Jahreszins
  • Kartennetzwerk: Visum
  • Hauptvorteil: Digitales Banking, App-Management

Advanzia Mastercard Gold Advanzia Bank

Price on request

  • Jahresgebühr: 0 €/Jahr
  • Kaufpreis: 23,88 % effektiver Jahreszins
  • Kartennetzwerk: MasterCard
  • Hauptvorteil: Weltweit keine Devisengebühren

Erste Bank George Mastercard Erste Bank

Price on request

  • Jahresgebühr: 22 €/Jahr
  • Kaufpreis: 22,00 % effektiver Jahreszins
  • Kartennetzwerk: MasterCard
  • Hauptvorteil: George-App-Integration

BAWAG Visa Card AT BAWAG Visa AT

Price on request

  • Jahresgebühr: 25 €/Jahr
  • Kaufpreis: 14,49 % effektiver Jahreszins
  • Kartennetzwerk: Visum
  • Hauptvorteil: Keiner

Raiffeisen Visa Classic Raiffeisen Bank AT

Price on request

  • Jahresgebühr: 25 €/Jahr
  • Kaufpreis: 19,50 % effektiver Jahreszins
  • Kartennetzwerk: Visum
  • Hauptvorteil: Raiffeisen-Bankenökosystem

Advanzia Gebührenfrei Mastercard AT Advanzia Bank

Price on request

  • Jahresgebühr: 0 €/Jahr
  • Kaufpreis: 19,99 % effektiver Jahreszins
  • Kartennetzwerk: MasterCard
  • Hauptvorteil: Keine Jahresgebühr; weltweit keine Gebühren für Auslandstransaktionen

American Express Green AT American Express AT

Price on request

  • Jahresgebühr: 85 €/Jahr
  • Kaufpreis: 16,99 % effektiver Jahreszins
  • Kartennetzwerk: American Express
  • Hauptvorteil: Mitgliedschaftsprämien; Zugang zu Flughafenlounges

N26 Mastercard Standard N26 AT

Price on request

  • Jahresgebühr: 0 €/Jahr (Standardtarif)
  • Kaufpreis: 19,99 % effektiver Jahreszins
  • Kartennetzwerk: MasterCard
  • Hauptvorteil: Keine Jahresgebühr; nur App-Nutzung

What are credit cards in Austria?

A credit card (Kreditkarte) in Austria is a revolving or charge card, usually on the Visa or Mastercard network, that lets you pay in shops and online and settle the balance later. Austrians have long favoured debit and the domestic Bankomat network, so true credit cards are often used for travel, online purchases, rental-car deposits and rewards rather than for carrying long-term debt.

How the Austrian market works

Most cards are issued through the main retail banks, frequently in partnership with card processor PayLife/Nexi, and many are charge cards that clear the full balance monthly by direct debit. Genuine revolving cards with a chosen monthly repayment percentage exist but are less common. Gold and premium tiers bundle travel insurance and lounge perks, while a handful of direct banks offer fee-free cards aimed at online and cross-border spenders. Approval typically depends on a KSV1870 credit-bureau check and proof of regular income, and many banks issue a card only alongside a current account. Debit-based Bankomatkarten still dominate everyday spending, so a credit card in Austria is often a deliberate second card chosen for travel, online security or rewards rather than the default way to pay.

Benefits

Global acceptance — Visa and Mastercard work where the domestic Bankomat card does not, especially abroad and online.

Deferred payment — charge cards give an interest-free float until the monthly settlement date.

Bundled insurance — gold and premium cards often include travel, rental-car and purchase cover.

Rewards and safety — cashback or points on some cards, plus chargeback rights and fraud monitoring on card networks.

How to choose

Decide first whether you want a charge card that clears monthly or a revolving card, and check the representative APR before ever carrying a balance. Compare the annual fee against the perks you will actually use, watch for foreign-currency and non-euro transaction markups, and confirm whether the card is issued as truly fee-free. Frequent travellers benefit from included insurance and no FX fees; occasional users may prefer a no-fee basic card. Also check the credit limit offered, whether the settlement date can be aligned with your payday, and whether the card provides an app with real-time transaction alerts, which help you catch fraud early and manage a monthly charge-card balance without surprises.

Leading providers in Austria

Erste Bank and the Sparkassen, Bank Austria, Raiffeisen and regional players such as Hypo Tirol and the Volksbanken issue mainstream and gold cards. Advanzia Bank is known for its no-annual-fee Mastercard, while digital bank N26 offers app-based cards with fee-free spending abroad. Bigbank and other direct lenders round out the value end of the market.

What it costs

Annual fees range from €0 on fee-free and direct-bank cards to roughly €50-€150 for gold and premium tiers with insurance. Revolving balances carry double-digit APRs, so interest is the real cost if you do not clear in full. Watch for foreign-currency markups, cash-withdrawal fees and charges for a second card.

Protections and regulation

Card issuers are supervised by the FMA, and lending is governed by the Consumer Credit Act (Verbraucherkreditgesetz), which requires clear disclosure of the APR (effektiver Jahreszins) and creditworthiness checks. PSD2 strong customer authentication protects online payments, and network chargeback rules help recover money for undelivered or fraudulent transactions.

Common questions

Is a Bankomat card a credit card? No, it is a debit card drawing directly on your account. Do I pay interest if I clear in full? On a charge card, no; on a revolving card, only on the carried balance. Can I get a card without an Austrian bank account? Some direct and digital issuers allow it. Are foreign purchases surcharged? Non-euro spending often carries an FX fee unless the card advertises none.

Credit Cards in Austria — FAQ

What credit score do I need to get approved for a credit card in Austria?

Minimum score requirements vary by card and issuer. In Austria, scores are reported by your national credit bureau. Premium rewards and travel cards typically require a good-to-excellent score, while secured or entry-level cards are available with lower or no credit history. Checking eligibility with a soft search won't affect your score.

Which credit card in Austria has no foreign transaction fee?

Giraffy tracks 5 credit cards across Erste Bank Gold AT,Bank Austria Credit Card AT,Raiffeisen Gold AT,Hypo Tirol Card AT,Volksbank Card AT banks in Austria. Use the 'No Foreign Fees' filter on the card detail to find cards that don't charge for overseas spending — useful if you travel or shop in foreign currencies online.

How do balance transfers work, and are they worth it?

A balance transfer moves your existing credit card debt to a new card, often at 0% interest for an introductory period. You typically pay a one-off transfer fee (1–3%). If you can repay the balance before the 0% period ends, you save on interest — check the revert rate carefully.

What is a rewards or cashback credit card?

Rewards cards earn points, miles, or cashback on every purchase. Cashback is the simplest — a percentage of spending returned as cash. Points and miles can be worth more if redeemed for flights or hotels, but require more active management. Annual fees are often offset if you spend above a certain threshold.

Can I get a credit card with no annual fee?

Yes — several cards tracked by Giraffy in Austria charge no annual fee. They typically offer fewer perks than premium cards, but are the most cost-effective choice if you pay your balance in full each month and want a card purely for convenience or building credit history.

How does credit card interest work?

If you pay your full statement balance by the due date each month, you pay zero interest. Interest only applies to carried balances, cash advances, or missed payments. The representative APR shown on each card covers all standard purchase interest — compare APRs when choosing a card you might not always pay off in full.

What is the difference between a credit limit and an available balance?

Your credit limit is the maximum you're allowed to borrow at any time. Your available balance is what's left after deducting current transactions. Staying well below your limit — ideally under 30% — helps maintain a healthy credit utilisation ratio, which is a key factor in your credit score.