BBVA Renfe Mastercard Clásica
Points
BBVA Renfe Mastercard Clásica
BBVA - Mastercard - Credit card
4.7
4.7 out of 5
9.4/10
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Head-to-head
BBVA Renfe Mastercard Clásica vs Erste Bank Private Banking Card Visa
Compare BBVA Renfe Mastercard Clásica and Erste Bank Private Banking Card Visa side by side: fees, rewards, APR, and perks.
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Erste Bank Private Banking Card Visa
Cash back
Erste Bank Private Banking Card Visa
Erste Bank - Visa - Credit card
4.1
4.1 out of 5
8.2/10
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Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | BBVA Renfe Mastercard Clásica | Erste Bank Private Banking Card Visa |
|---|---|---|
| Card fee | No fee | €444 EUR/yr (≈ $480) |
| Purchase APR (from) | 0% | 5.19% |
| Interest-free period | 30 days | - |
| Foreign transaction fee | 3% | 1.5% |
| Rewards | 0.10 Renfecitos per €1 at Renfe; 0.05 Renfecitos per €1 elsewhere; 100 bonus points at €7,500 annual spend (1 Renfecito ≈ €0.10 in train travel) | 0.60% cashback at participating online shops (max €30/year). Foreign currency transaction fees (1.5%) refundable 6 times per year. Gault&Millau dining rewards: exclusive champagne bottle from €20,000 annual spend; exclusive dinner for two with wine pairing from €30,000 annual spend. |
| Installments | 3-6 months: commission-based; 7-36 months: 21% TIN / 23.11% TAE | Split Now available |
| No card fee | - | |
| No foreign transaction fee | - | - |
| Welcome bonus | - | |
| Airport lounge access | - | |
| Travel insurance | ||
| Apple Pay / Google Pay |
Which is right for you
Pick by how you spend
- Choose the BBVA Renfe Mastercard Clásica if its checked rows above line up with how you spend most.
- Choose the Erste Bank Private Banking Card Visa if it wins on the features that matter most to you.
- Still unsure? Read each full review below, then apply on the issuer's secure site.
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