Updated September 29, 2026 · DebitCue Editorial Team
Erste Bank Austrian Miles & More Premiumcard vs ether.fi
Erste Bank Austrian Miles & More Premiumcard
ether.fi
Higher score in this comparison
What sets them apart
| Compare | Erste Bank Austrian Miles & More PremiumcardReviewSee alternativesSee alternatives | ether.fiReviewSee alternativesSee alternatives |
|---|---|---|
| Annual fee | €0 | $0 |
| Rewards type | Miles | Cashback |
| Rewards rate | 1 mile per 2 EUR of card spend | 3% cashback, up to $2K monthly spend (Core), paid in ETHFI |
| Perks | Redeem miles at the till with MilesPay anywhere Mastercard is accepted, 1 mile per 1 EUR of SEPA transfer volume, max 20,000 miles per billing cycle (2.5% transfer fee), Promotional 2.1% p.a. interest on the card credit balance until 30.11.2026, Credit card and Miles & More service card in one card, Repay the statement monthly, in instalments or in full by transfer | Global eSIM, Visa concierge, Airport lounge access, Flight and medical coverage, Baggage delay and loss protection, Auto rental coverage, Purchase and price protection, Identity theft protection, Insurance backed account balance protection up to $500,000, 1 free virtual card, Ether.fi Travel 5% cashback |
| Currency conversion fee | Not confirmed | 0% to 0.5% |
| Cashback rate | Not confirmed | 3% |
Same on both: Card kind (Credit).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- ether.fi scores higher overall: 9.6 vs 9.2.
- Perks: only Erste Bank Austrian Miles & More Premiumcard offers Redeem miles at the till with MilesPay anywhere Mastercard is accepted, 1 mile per 1 EUR of SEPA transfer volume, max 20,000 miles per billing cycle (2.5% transfer fee), Promotional 2.1% p.a. interest on the card credit balance until 30.11.2026.
- Perks: only ether.fi offers Global eSIM, Visa concierge, Airport lounge access.
- Support channels: only Erste Bank Austrian Miles & More Premiumcard offers Phone.
- Support channels: only ether.fi offers Chat, Community.
Our verdict on each
Erste Bank Austrian Miles & More Premiumcard
The Erste Bank Austrian Miles & More Premiumcard is a Mastercard credit card that earns airline miles, with an annual fee of €0 and a monthly fee of €5.50. It suits Miles & More members who pay the statement in full each month and put everyday spend on the card.
ether.fi
ether.fi suits companies and freelancers who want a business card with no annual charge and cashback on everyday spend, plus travel extras for staff who fly. It scores 8.2 overall, and its currency costs are modest for a card aimed at spend that crosses borders.
Score breakdown
| Area | Erste Bank Austrian Miles & More Premiumcard | ether.fi |
|---|---|---|
| Cost | 9.3Annual fee of €0 with a monthly fee of €5.50, against most credit cards at €0. | 9.4Higher |
| Offer | 9.2 | 9.8HigherAnnual fee $0 with a 3% cashback, up to $2K monthly spend (Core), paid in ETHFI reward, the rate capped by monthly spend. |
Where each is licensed and available
| Country | Erste Bank Austrian Miles & More Premiumcard | ether.fi |
|---|---|---|
| Germany | Not confirmed |
Additional countries for Erste Bank Austrian Miles & More Premiumcard: 1. Additional countries for ether.fi: 1.
Positions in our rankings
| Ranking | Erste Bank Austrian Miles & More Premiumcard | ether.fi |
|---|---|---|
| Credit cards | 124 of 1020 | 66 of 1020 |
| Business credit cards | 15 of 92 | 8 of 92 |
Sources behind this comparison
Erste Bank Austrian Miles & More Premiumcard
- miles-and-more-kreditkarte.com: 11 facts, checked September 26, 2026
ether.fi
- ether.fi: 7 facts, checked September 26, 2026
- help.ether.fi: 4 facts, checked September 26, 2026
Every fact side by side
| Fact | Erste Bank Austrian Miles & More Premiumcard | ether.fi |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Rewards | Rewards |
| Audience | Business | Business |
| Legal entity | Deutsche Bank AG | Not confirmed |
| Headquarters | Germany | Not confirmed |
| Support channels | Email, Phone, Help centre | Email, Chat, Help centre, Community |
Debit cards
| Fact | Erste Bank Austrian Miles & More Premiumcard | ether.fi |
|---|---|---|
| Monthly fee | €5.50 | Not confirmed |
| Card network | Mastercard | Not confirmed |
Where each stands against the rest
| Fact | Erste Bank Austrian Miles & More Premiumcard | ether.fi | Median |
|---|---|---|---|
| Currency conversion fee | Not confirmed | 0% to 0.5%below the median | 1 |
| Cashback rate | Not confirmed | 3%highest quarter | 1.5% |
Median across 312 listed cards.
Pros and cons
Erste Bank Austrian Miles & More Premiumcard
Pros
- Annual fee of €0, ranking 1 of 301 brands on that measure.
- Earns 1 mile per 2 EUR of card spend in miles on card spend, and the same card carries the Miles & More service card.
- Miles can be redeemed at the till with MilesPay anywhere mastercard is accepted.
Cons
- A monthly fee of €5.50 applies, while the site median monthly fee is €0.
- The earn rate is 1 mile per 2 EUR of card spend, so a balance builds slowly against card spend.
- The reward is miles only, and just 2% of cards on the site pay that way, so there is no cashback route.
ether.fi
Pros
- Currency conversion fees run 0% to 0.5%, against a 1% median across the site and a 1.85% median in the credit card ranking.
- Support runs on email, chat and help centre, so a service problem has chat, email, a help centre and community behind it.
- The card is aimed at business users, so it fits a company expense run rather than a personal wallet.
Cons
- Support runs on email, chat and help centre, which lists no phone line, so a blocked payment or disputed charge waits on a chat reply or an email answer.
- Currency conversion fees run 0% to 0.5%, and the top of that range sits above the 0% Varo charges and the 0% Chime charges, so a card used mainly on foreign purchases costs more to run here.
- 3% cashback, up to $2K monthly spend (Core), paid in ETHFI caps the cashback at a monthly spending ceiling on the Core tier and pays it in ETHFI, so the reward neither grows with heavy spend nor holds a fixed cash value.
Who each suits
Erste Bank Austrian Miles & More Premiumcard
Who it suits
- Miles & More members who want miles on everyday card spend and can pay the statement in full each month.
- People who often pay at the till and want to use miles directly at the checkout with MilesPay.
- Card users after a credit card with an annual fee of €0 on the mastercard network.
Who should look elsewhere
- Wise, which also charges an annual fee of £0, suits readers who want low day to day card costs instead of miles on every purchase.
- Varo Believe Secured Credit Card, a secured card with an annual fee of $0, fits a secured line rather than a monthly fee of €5.50.
- Chime Card (Secured Visa Credit Card), with an annual fee of $0, suits a secured Visa setup rather than a miles earn rate.
ether.fi
Who it suits
- Businesses and freelancers who put card spend through a company account, since the card is aimed at business users.
- Anyone who buys in several currencies, since conversion fees run 0% to 0.5% against a 10.5% ceiling elsewhere on the site.
- Cardholders who want cover on the balance rather than points, given the protection listed in Global eSIM, Visa concierge and Airport lounge access.
Who should look elsewhere
- Not people who need free currency conversion: Varo charges 0%, so foreign-heavy spend costs less there.
- Not people rebuilding a credit record from scratch: Chime Card (Secured Visa Credit Card) is a secured card, while ether.fi is aimed at business users and pays cashback.
- Not shoppers choosing on the annual fee: Wise also has no annual fee at £0, so the case here rests on the reward and the protection bundle.
Current offers
Erste Bank Austrian Miles & More Premiumcard
Current offer
Bonus
Miles & More Gold Credit Card welcome bonus: 4,000 miles and 40 points
Application 01.07.-31.12.2026 and card issued; for customers without a Miles & More credit card from Deutsche Bank AG in the past 12 months; 12-month minimum term; not for applicants with frequent flyer status; miles and points clawed back on switch or cancellation within 12 months
Source, checked September 26, 2026
Bonus
Miles & More Blue Credit Card welcome bonus: 500 miles and 40 points
Application 01.07.-31.12.2026 and card issued; for customers without a Miles & More credit card from Deutsche Bank AG in the past 12 months; 12-month minimum term; miles and points clawed back on cancellation within 12 months
Source, checked September 26, 2026
Bonus
Fast Lane to Frequent Traveller status: 650 EUR or 80,000 miles
Gold Credit Card holders only, bookable by 30.09.; status valid until 28.02.2027; once per cardholder
Source, checked September 26, 2026
Country by country
| Country | Erste Bank Austrian Miles & More Premiumcard | ether.fi |
|---|---|---|
| Austria | Yes | No |
| United States | No | Yes |
Questions about each
Erste Bank Austrian Miles & More Premiumcard
What does this Miles & More card cost?+
The annual fee is €0 and the monthly fee is €5.50, which puts it at rank 1 of 301 brands ranked on annual fee. The site median annual fee is €0 and the median monthly fee is €0, so the monthly charge is the figure to watch.
How are miles earned on the card?+
Card spend earns 1 mile per 2 EUR of card spend and the reward type is miles. SEPA transfers build miles for a transfer fee, with a cap on miles per billing cycle, and a promotional interest rate applies to the card credit balance for a limited period.
ether.fi
What does the card cost to keep open?+
There is no annual charge: the fee is $0, and ether.fi runs a no annual fee model rather than a paid subscription tier. For a card that sits in a company wallet, that removes the yearly renewal decision entirely, and the running cost becomes the reward rate rather than a fee to budget for.
What does it cost to spend in another currency?+
Currency conversion fees run 0% to 0.5%, so most conversions are cheap while the top of that range is not free. If your business pays foreign suppliers regularly, compare it with Varo at 0% and Chime at 0%, which both hold currency at no charge.
Other options to compare
Erste Bank Austrian Miles & More Premiumcard
ether.fi