Credit card

Erste Bank Premiumcard Mastercard

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MASTERCARD

Apply for Erste Bank Premiumcard Mastercard

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Credit card Erste Bank Mastercard

Card review

Erste Bank Premiumcard Mastercard

4.1 8.2/10 DebitCue Score Verified Jun 20, 2026

Premium travel benefits and comprehensive insurance with Mastercard

Fee: €99 EUR/yr (≈ $110); First year free for new cardholders (promotion valid 01.01.–31.12.2026); student rate €4.12/month until age 27
Purchase APR: from 5.19%
Interest-free: -
Foreign fee: 1.5%

Rewards

0.60% cashback at participating online shops where card is saved; maximum €30 per calendar year, credited in January. Foreign currency transaction fees (1.5%) can be reclaimed 6 times per year via George app.

Our verdict

What stands out, and where it falls short.

What we like

0.60% cashback at participating online shops where card is…
Airport lounge access
Travel insurance included
Pay in installments

Worth weighing

€99 EUR/yr (≈ $110) card fee
1.5% foreign transaction fee

Who It Is For

Whether the Erste Bank Premiumcard Mastercard fits how you actually spend.

Pick it if you are

Frequent travelers
People who want rewards on their spending
Travelers who value airport lounges
People who pay big purchases off over time

Skip it if you are

Light spenders who won't beat the €99 EUR/yr (≈ $110) fee
Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in EUR.

Card fee: €99 EUR/yr (≈ $110)
Purchase APR: from 5.19%
Interest-free period: -
Foreign transaction fee: 1.5%
Monthly fee: €8.25/month (€99.00/year); free in year 1 for new cardholders
Nominal instalment interest rate: 5.00% p.a. (effective APR 5.19%)
Foreign transaction fee: 1.5% of transaction (refundable up to 6× per year via George)

Rewards and features

Rewards: 0.60% cashback at participating online shops where card is saved; maximum €30 per calendar year, credited in January. Foreign currency transaction fees (1.5%) can be reclaimed 6 times per year via George app.
Installments: Split Now: divide purchases €50–€4,800 into up to 4 monthly instalments; first 6 per year free
Pay with: Apple Pay, Google Pay, Contactless
Split Now instalments: First 6 per year free; €50–€4,800; up to 4 monthly instalments
Travel discount: 7% direct discount on travel bookings via bank partner

Benefits and perks

Extras that come bundled with the card.

Comprehensive worldwide travel insurance (medical evacuation, cancellation, baggage, flight delay, ski, liability)
Discounted Vienna Airport lounge access (SKY-Lounge €31, VIENNA-Lounge €36)
Foreign currency fee refund — claim back 1.5% FTF up to 6 times per year via George
Mastercard Identity Check for secure online payments

Erste Bank Premiumcard Mastercard: your questions answered

How much does the Erste Bank Premiumcard Mastercard cost?

The Erste Bank Premiumcard Mastercard costs €99 EUR/yr (≈ $110). First year free for new cardholders (promotion valid 01.01.–31.12.2026); student rate €4.12/month until age 27.

What rewards does the Erste Bank Premiumcard Mastercard earn?

The Erste Bank Premiumcard Mastercard earns 0.60% cashback at participating online shops where card is saved; maximum €30 per calendar year, credited in January. Foreign currency transaction fees (1.5%) can be reclaimed 6 times per year via George app..

Does the Erste Bank Premiumcard Mastercard charge foreign transaction fees?

Yes - the Erste Bank Premiumcard Mastercard charges a 1.5% foreign transaction fee.

What is the interest rate on the Erste Bank Premiumcard Mastercard?

The Erste Bank Premiumcard Mastercard has a purchase APR of from 5.19%.

Can I pay in installments with the Erste Bank Premiumcard Mastercard?

Yes - Split Now: divide purchases €50–€4,800 into up to 4 monthly instalments; first 6 per year free.

Is the Erste Bank Premiumcard Mastercard a credit, debit or prepaid card?

The Erste Bank Premiumcard Mastercard is a credit card issued by Erste Bank on the Mastercard network.

Does the Erste Bank Premiumcard Mastercard support Apple Pay and Google Pay?

Yes - the Erste Bank Premiumcard Mastercard works with both Apple Pay and Google Pay.

Where can I get the Erste Bank Premiumcard Mastercard?

The Erste Bank Premiumcard Mastercard is currently offered in Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia and 22 more.

How does DebitCue rate the Erste Bank Premiumcard Mastercard?

DebitCue rates the Erste Bank Premiumcard Mastercard 4.1 out of 5 (8.2/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the Erste Bank Premiumcard Mastercard?

Use the Apply now button to continue on Erste Bank's secure site. Comparing and applying through DebitCue is free.