Updated October 13, 2026 · DebitCue Editorial Team
Erste Bank Austrian Miles & More Premiumcard vs KBC Debit Card
Erste Bank Austrian Miles & More Premiumcard
Higher score in this comparison
KBC Debit Card
Where Erste Bank Austrian Miles & More Premiumcard and KBC Debit Card differ
| Compare | Erste Bank Austrian Miles & More PremiumcardReviewSee alternativesSee alternatives | KBC Debit CardReviewSee alternativesSee alternatives |
|---|---|---|
| Rewards type | Miles | Cashback |
| Rewards rate | 1 mile per 2 EUR of card spend | Cashback on selected spending abroad via Mastercard Travel Rewards |
| 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 | Free returns of online purchases (max EUR 30 per claim, 3 claims per year), Mastercard Fast Track airport security access, Presale access to Live Nation tickets, Set your own spending limit, Pay in full the following month or spread repayments with KBC Flex Budget, Worldwide payments and ATM withdrawals on the Mastercard network, Optional Shopping package EUR 1.50/month, Travel package EUR 7.00/month, Luxury package EUR 25.00/month with airport lounges |
| APR | Not confirmed | 9.35% |
Same on both: Annual fee (€0), Card kind (Credit).
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Key differences
- 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 KBC Debit Card offers Free returns of online purchases (max EUR 30 per claim, 3 claims per year), Mastercard Fast Track airport security access, Presale access to Live Nation tickets.
- Support channels: only Erste Bank Austrian Miles & More Premiumcard offers Email, Help centre.
- Support channels: only KBC Debit Card offers Chat.
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.
KBC Debit Card
For customers who prefer direct debit spending over credit style borrowing, KBC Debit Card keeps daily control while adding travel and event extras. KBC Debit Card is a debit card with rewards that supports payments and cash access across borders for daily routines, trips and live event enjoyment.
Score breakdown
| Area | Erste Bank Austrian Miles & More Premiumcard | KBC Debit Card |
|---|---|---|
| Cost | 9.3Annual fee of €0 with a monthly fee of €5.50, against most credit cards at €0. | Not confirmed |
| Offer | 9.2 | Not confirmed |
Every fact side by side
| Fact | Erste Bank Austrian Miles & More Premiumcard | KBC Debit Card |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Rewards | Rewards |
| Audience | Business | Not confirmed |
| Legal entity | Deutsche Bank AG | KBC Bank NV |
| Headquarters | Germany | Belgium |
| Support channels | Email, Phone, Help centre | Chat, Phone |
Debit cards
| Fact | Erste Bank Austrian Miles & More Premiumcard | KBC Debit Card |
|---|---|---|
| Monthly fee | €5.50 | Not confirmed |
| Card type | Not confirmed | Debit |
| Card network | Mastercard | Not confirmed |
Where each stands against the rest
| Fact | Erste Bank Austrian Miles & More Premiumcard | KBC Debit Card | Median |
|---|---|---|---|
| Annual fee | €0at the median | €0at the median | €0 |
| APR | Not confirmed | 9.35%lowest quarter | 19.39% |
Median across 196 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.
KBC Debit Card
Pros
- Debit card linking routine daily payments to rewards for regular use
- Supports payments and cash access across borders for daily life and travel
- Adds fast lane for airport checks and early entry to live events
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.
KBC Debit Card
Who it suits
- Customers who prefer debit spending for daily routines
- Customers who value travel and live event extras
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 | KBC Debit Card |
|---|---|---|
| Austria | Yes | No |
| Belgium | 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.
KBC Debit Card
What is KBC Debit Card?+
KBC Debit Card is a debit card with rewards tied to spending. It covers payments and cash withdrawals across borders for daily routines and travel. Fast lane access at airport checks and early entry to live shows add extra appeal for many customers.
Who is KBC Debit Card for?+
KBC Debit Card is aimed at customers who prefer spending directly through a debit card. It covers steady daily use plus trips that need acceptance abroad. Concert extras and airport details give added appeal for customers who value those elements.
Other options to compare
Erste Bank Austrian Miles & More Premiumcard
KBC Debit Card