Danske Bank Mastercard Basis vs Erste Bank Smartcard Visa: fees, rewards and APR compared - DebitCue Skip to content
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Danske Bank Mastercard Basis vs Erste Bank Smartcard Visa

Compare Danske Bank Mastercard Basis and Erste Bank Smartcard Visa side by side: fees, rewards, APR, and perks.

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Cells with a check mark are the stronger value in that row. Ties stay unmarked.

Danske Bank Mastercard Basis versus Erste Bank Smartcard Visa compared by attribute
Feature Danske Bank Mastercard Basis Erste Bank Smartcard Visa
Card fee 250 DKK/yr (≈ $36) €22.44 EUR/yr (≈ $24)
Purchase APR (from) 15.2% 5.19%
Interest-free period - -
Foreign transaction fee 1.5% 1.5%
Rewards Cashback at 1,700+ participating stores, restaurants and webshops in Denmark via the Loyalty Key A/S programme. Cash payout once DKK 100 is accumulated. Specific cashback rate varies by merchant — no universal percentage published. 0.30% cashback at participating online shops where card is saved; maximum €8 per calendar year, credited in January
Installments 2–12 instalments for purchases over DKK 500 (available for cards issued before 4 October 2023 with prior instalment agreement; may require separate arrangement for newer cards). Split Now: divide purchases €50–€4,800 into up to 4 monthly instalments; first 3 per year free
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 Danske Bank Mastercard Basis if its checked rows above line up with how you spend most.
  • Choose the Erste Bank Smartcard 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.
Full review Danske Bank Mastercard Basis Full review Erste Bank Smartcard Visa

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