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Erste Bank Premiumcard Visa

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Credit card Erste Bank Visa

Card review

Erste Bank Premiumcard Visa

4.3 8.6/10 DebitCue Score Verified Jun 20, 2026

Premium Visa card with travel insurance and airport benefits

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. Foreign currency transaction fees (1.5%) refundable 6 times per year via George.

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 Visa 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. Foreign currency transaction fees (1.5%) refundable 6 times per year via George.
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
Vienna Airport FastTrack: 15% discount on FastTrack security; 15% discount on luggage services

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
Visa Secure for safe online payments

Eligibility

What you need before you apply.

Minimum age: 18 years; requires active Erste Bank current account

Erste Bank Premiumcard Visa: your questions answered

How much does the Erste Bank Premiumcard Visa cost?

The Erste Bank Premiumcard Visa 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 Visa earn?

The Erste Bank Premiumcard Visa earns 0.60% cashback at participating online shops where card is saved; maximum €30 per calendar year. Foreign currency transaction fees (1.5%) refundable 6 times per year via George..

Does the Erste Bank Premiumcard Visa charge foreign transaction fees?

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

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

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

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

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

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

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

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

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

Where can I get the Erste Bank Premiumcard Visa?

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

How does DebitCue rate the Erste Bank Premiumcard Visa?

DebitCue rates the Erste Bank Premiumcard Visa 4.3 out of 5 (8.6/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the Erste Bank Premiumcard Visa?

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