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
Live offers across tracked providers in Austria — updated daily from the Giraffy database.
20 live offers compared from 19 providers. Updated daily.
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.