Advanzia Bank S.A. Gebührenfrei Mastercard Gold review: fees, rewards, APR and perks - DebitCue Skip to content
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Advanzia Bank S.A. Credit card
Advanzia Bank S.A. Gebührenfrei Mastercard Gold
Cash back
MASTERCARD
Apply for Advanzia Bank S.A. Gebührenfrei Mastercard Gold

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Credit card Advanzia Bank S.A. Mastercard

Card review

Advanzia Bank S.A. Gebührenfrei Mastercard Gold

4.8 4.8 out of 5 9.6/10 DebitCue Score Verified

Permanently free Mastercard Gold with worldwide fee-free payments and built-in travel insurance

Fee
No fee
Purchase APR
from 24.69%
Interest-free
49 days
Foreign fee
None
Rewards
5% travel credit on package holidays and flights booked through the Advanzia/Urlaubsplus partner portal, and 5% rebate on car rentals booked through partner mietwagen.de. Rebate is credited the month following trip start or vehicle return. No general cashback on everyday purchases.
Welcome offer
Up to €60 start credit via affiliate/partner link for new customers who make at least one qualifying card payment within the promotional period (standard offer via direct application is €25). New customers must not have held an Advanzia card in the previous 2 years.

Our verdict

What stands out, and where it falls short.

What we like

  • 5% travel credit on package holidays and flights booked…
  • Welcome bonus
  • No card fee
  • No foreign transaction fees
  • 49-day interest-free period

Who It Is For

Whether the Advanzia Bank S.A. Gebührenfrei Mastercard Gold fits how you actually spend.

Pick it if you are

  • Anyone who wants a low-cost everyday card
  • Frequent travelers
  • People who want rewards on their spending
  • People who pay big purchases off over time

Rates and fees

As of

All amounts shown in EUR.

Card fee
No fee
Purchase APR
from 24.69%
Interest-free period
49 days
Foreign transaction fee
None
Effective annual interest rate (APR)
24.69% p.a. on revolving balances and cash advances
Nominal monthly rate
1.86% per month on unpaid balances
Interest-free period on purchases
Up to 49 days (7 weeks) if full balance paid by the 20th of each month
Cash advance interest
24.69% APR from transaction date, no grace period

Rewards and features

Rewards
5% travel credit on package holidays and flights booked through the Advanzia/Urlaubsplus partner portal, and 5% rebate on car rentals booked through partner mietwagen.de. Rebate is credited the month following trip start or vehicle return. No general cashback on everyday purchases.
Welcome offer
Up to €60 start credit via affiliate/partner link for new customers who make at least one qualifying card payment within the promotional period (standard offer via direct application is €25). New customers must not have held an Advanzia card in the previous 2 years.
Installments
Revolving credit available; minimum monthly payment is 3% of outstanding balance (minimum €30). Interest accrues at 24.69% APR on any unpaid balance. Full balance repayment by the 20th of each month avoids interest on purchases.
Pay with
Apple Pay, Google Pay, Contactless, Virtual card
Daily ATM withdrawal limit
€1,000
Minimum monthly payment
3% of outstanding balance or €30, whichever is higher
Credit limit range
Approximately €300 initial (expandable to €10,000–€15,000+ with positive repayment history)
Digital wallets supported
Apple Pay, Google Pay, Garmin Pay

Benefits and perks

Extras that come bundled with the card.

  • Travel insurance bundle
    Trip cancellation up to €3,000 (20% deductible), international travel health up to €1,000,000 (€100 deductible), travel accident up to €40,000, baggage up to €2,500 individual/€3,000 group, personal liability abroad up to €350,000 (€100 deductible). Covers cardholder plus up to 3 companions. Valid for trips of 2–90 days; travellers over 70 covered for up to 21 days per trip. Minimum 50% of transport costs must be paid with the card.
  • No foreign transaction fee
    Zero foreign exchange surcharge on all purchases worldwide in any currency.
  • 5% travel cashback via partner portals
    5% cashback on holidays and flights via Urlaubsplus portal and 5% rebate on car rentals via mietwagen.de. Credited the month after travel completion.

Eligibility

What you need before you apply.

Residency requirement
Germany or Luxembourg only
Minimum age
18 years

Advanzia Bank S.A. Gebührenfrei Mastercard Gold: your questions answered

Does the Advanzia Bank S.A. Gebührenfrei Mastercard Gold have a card fee?
No - the Advanzia Bank S.A. Gebührenfrei Mastercard Gold has no card fee.
What rewards does the Advanzia Bank S.A. Gebührenfrei Mastercard Gold earn?
The Advanzia Bank S.A. Gebührenfrei Mastercard Gold earns 5% travel credit on package holidays and flights booked through the Advanzia/Urlaubsplus partner portal, and 5% rebate on car rentals booked through partner mietwagen.de. Rebate is credited the month following trip start or vehicle return. No general cashback on everyday purchases..
Does the Advanzia Bank S.A. Gebührenfrei Mastercard Gold charge foreign transaction fees?
No - the Advanzia Bank S.A. Gebührenfrei Mastercard Gold has no foreign transaction fees, so it suits spending abroad.
Is there an interest-free period on the Advanzia Bank S.A. Gebührenfrei Mastercard Gold?
Yes - up to 49 days interest-free when you pay your balance in full by the due date.
What is the interest rate on the Advanzia Bank S.A. Gebührenfrei Mastercard Gold?
The Advanzia Bank S.A. Gebührenfrei Mastercard Gold has a purchase APR of from 24.69%.
Does the Advanzia Bank S.A. Gebührenfrei Mastercard Gold have a welcome offer?
Yes - Up to €60 start credit via affiliate/partner link for new customers who make at least one qualifying card payment within the promotional period (standard offer via direct application is €25). New customers must not have held an Advanzia card in the previous 2 years..
Can I pay in installments with the Advanzia Bank S.A. Gebührenfrei Mastercard Gold?
Yes - Revolving credit available; minimum monthly payment is 3% of outstanding balance (minimum €30). Interest accrues at 24.69% APR on any unpaid balance. Full balance repayment by the 20th of each month avoids interest on purchases..
Is the Advanzia Bank S.A. Gebührenfrei Mastercard Gold a credit, debit or prepaid card?
The Advanzia Bank S.A. Gebührenfrei Mastercard Gold is a credit card issued by Advanzia Bank S.A. on the Mastercard network.
Does the Advanzia Bank S.A. Gebührenfrei Mastercard Gold support Apple Pay and Google Pay?
Yes - the Advanzia Bank S.A. Gebührenfrei Mastercard Gold works with both Apple Pay and Google Pay.
Where can I get the Advanzia Bank S.A. Gebührenfrei Mastercard Gold?
The Advanzia Bank S.A. Gebührenfrei Mastercard Gold is currently offered in Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia and 22 more.

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