Credit card

Erste Bank Private Banking Card Visa

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VISA

Apply for Erste Bank Private Banking Card Visa

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Credit card Erste Bank Visa

Card review

Erste Bank Private Banking Card Visa

4.1 8.2/10 DebitCue Score Verified Jun 20, 2026

Exclusive metal Visa card for Erste Private Banking clients with global lounge access

Fee: €444 EUR/yr (≈ $480); Annual fee partially or fully refunded based on annual spend: 50% refund from €10,000 annual spend; 100% refund from €30,000 annual spend
Purchase APR: from 5.19%
Interest-free: -
Foreign fee: 1.5%

Rewards

0.60% cashback at participating online shops (max €30/year). Foreign currency transaction fees (1.5%) refundable 6 times per year. Gault&Millau dining rewards: exclusive champagne bottle from €20,000 annual spend; exclusive dinner for two with wine pairing from €30,000 annual spend.

Our verdict

What stands out, and where it falls short.

What we like

0.60% cashback at participating online shops (max €30/year). Foreign…
Airport lounge access
Travel insurance included
Pay in installments

Worth weighing

€444 EUR/yr (≈ $480) card fee
1.5% foreign transaction fee

Who It Is For

Whether the Erste Bank Private Banking Card 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 €444 EUR/yr (≈ $480) fee
Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in EUR.

Card fee: €444 EUR/yr (≈ $480)
Purchase APR: from 5.19%
Interest-free period: -
Foreign transaction fee: 1.5%
Monthly fee: €37.00/month (€444.00/year); 50% refund from €10,000/year spend; 100% from €30,000/year
Nominal instalment interest rate: 5.00% p.a. (effective APR 5.19%)
Foreign transaction fee: 1.5% (refundable 6× per year via George)

Rewards and features

Rewards: 0.60% cashback at participating online shops (max €30/year). Foreign currency transaction fees (1.5%) refundable 6 times per year. Gault&Millau dining rewards: exclusive champagne bottle from €20,000 annual spend; exclusive dinner for two with wine pairing from €30,000 annual spend.
Installments: Split Now available
Pay with: Apple Pay, Google Pay, Contactless
Gault&Millau dining rewards: Champagne bottle from €20,000 annual spend; dinner for two with wine pairing from €30,000

Benefits and perks

Extras that come bundled with the card.

Priority Pass — unlimited lounge access at 1,700+ airports worldwide
Comprehensive worldwide travel insurance
FastTrack security service at Vienna Airport
Foreign currency fee (1.5%) refundable 6 times per year via George
VISA Luxury Hotel Collection: room upgrade, breakfast for two, late checkout
Annual fee refund: 50% from €10,000 spend; 100% from €30,000 spend

Eligibility

What you need before you apply.

Private Banking clients only: Minimum €500,000 assets under management with Erste Bank Private Banking

Erste Bank Private Banking Card Visa: your questions answered

How much does the Erste Bank Private Banking Card Visa cost?

The Erste Bank Private Banking Card Visa costs €444 EUR/yr (≈ $480). Annual fee partially or fully refunded based on annual spend: 50% refund from €10,000 annual spend; 100% refund from €30,000 annual spend.

What rewards does the Erste Bank Private Banking Card Visa earn?

The Erste Bank Private Banking Card Visa earns 0.60% cashback at participating online shops (max €30/year). Foreign currency transaction fees (1.5%) refundable 6 times per year. Gault&Millau dining rewards: exclusive champagne bottle from €20,000 annual spend; exclusive dinner for two with wine pairing from €30,000 annual spend..

Does the Erste Bank Private Banking Card Visa charge foreign transaction fees?

Yes - the Erste Bank Private Banking Card Visa charges a 1.5% foreign transaction fee.

What is the interest rate on the Erste Bank Private Banking Card Visa?

The Erste Bank Private Banking Card Visa has a purchase APR of from 5.19%.

Can I pay in installments with the Erste Bank Private Banking Card Visa?

Yes - Split Now available.

Is the Erste Bank Private Banking Card Visa a credit, debit or prepaid card?

The Erste Bank Private Banking Card Visa is a credit card issued by Erste Bank on the Visa network.

Does the Erste Bank Private Banking Card Visa support Apple Pay and Google Pay?

Yes - the Erste Bank Private Banking Card Visa works with both Apple Pay and Google Pay.

Where can I get the Erste Bank Private Banking Card Visa?

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

How does DebitCue rate the Erste Bank Private Banking Card Visa?

DebitCue rates the Erste Bank Private Banking Card Visa 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 Private Banking Card Visa?

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