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Erste Bank Credit card
Erste Bank Smartcard Mastercard
Cash back
MASTERCARD
Apply for Erste Bank Smartcard Mastercard

On Erste Bank's secure site

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Credit card Erste Bank Mastercard

Card review

Erste Bank Smartcard Mastercard

3.8 3.8 out of 5 7.6/10 DebitCue Score Verified

The smart everyday credit card with first year free

Fee
€22.44 EUR/yr (≈ $24)
First year free for new cardholders (promotion valid 01.01.–31.12.2026); free for students until age 27
Purchase APR
from 5.19%
Interest-free
-
Foreign fee
1.5%
Rewards
0.30% cashback on purchases at participating online shops where card details are saved; maximum €8 per calendar year, credited in January

Our verdict

What stands out, and where it falls short.

What we like

  • 0.30% cashback on purchases at participating online shops where…
  • Pay in installments

Worth weighing

  • €22.44 EUR/yr (≈ $24) card fee
  • 1.5% foreign transaction fee

Who It Is For

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

Pick it if you are

  • People who want rewards on their spending
  • People who pay big purchases off over time

Skip it if you are

  • Light spenders who won't beat the €22.44 EUR/yr (≈ $24) fee
  • Frequent international travelers

Rates and fees

As of

All amounts shown in EUR.

Card fee
€22.44 EUR/yr (≈ $24)
Purchase APR
from 5.19%
Interest-free period
-
Foreign transaction fee
1.5%
Monthly fee
€1.87/month (€22.44/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 amount
Cash withdrawal fee
3% (min €3.63) domestic; 3% + 1.5% FTF abroad

Rewards and features

Rewards
0.30% cashback on purchases at participating online shops where card details are saved; maximum €8 per calendar year, credited in January
Installments
Split Now: divide purchases €50–€4,800 into up to 4 monthly instalments; first 3 per year free, then fee applies (€1–€12 per split depending on amount and number of instalments)
Pay with
Apple Pay, Google Pay, Contactless
Split Now instalments
First 3 per year free; €50–€4,800 range; up to 4 monthly instalments

Benefits and perks

Extras that come bundled with the card.

  • Mastercard Identity Check for secure online payments

Erste Bank Smartcard Mastercard: your questions answered

How much does the Erste Bank Smartcard Mastercard cost?
The Erste Bank Smartcard Mastercard costs €22.44 EUR/yr (≈ $24). First year free for new cardholders (promotion valid 01.01.–31.12.2026); free for students until age 27.
What rewards does the Erste Bank Smartcard Mastercard earn?
The Erste Bank Smartcard Mastercard earns 0.30% cashback on purchases at participating online shops where card details are saved; maximum €8 per calendar year, credited in January.
Does the Erste Bank Smartcard Mastercard charge foreign transaction fees?
Yes - the Erste Bank Smartcard Mastercard charges a 1.5% foreign transaction fee.
What is the interest rate on the Erste Bank Smartcard Mastercard?
The Erste Bank Smartcard Mastercard has a purchase APR of from 5.19%.
Can I pay in installments with the Erste Bank Smartcard Mastercard?
Yes - Split Now: divide purchases €50–€4,800 into up to 4 monthly instalments; first 3 per year free, then fee applies (€1–€12 per split depending on amount and number of instalments).
Is the Erste Bank Smartcard Mastercard a credit, debit or prepaid card?
The Erste Bank Smartcard Mastercard is a credit card issued by Erste Bank on the Mastercard network.
Does the Erste Bank Smartcard Mastercard support Apple Pay and Google Pay?
Yes - the Erste Bank Smartcard Mastercard works with both Apple Pay and Google Pay.
Where can I get the Erste Bank Smartcard Mastercard?
The Erste Bank Smartcard Mastercard is currently offered in Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia and 22 more.
How does DebitCue rate the Erste Bank Smartcard Mastercard?
DebitCue rates the Erste Bank Smartcard Mastercard 3.8 out of 5 (7.6/10), scored on the same factors as every card - fees, rewards, perks and ease of use.
How do I apply for the Erste Bank Smartcard Mastercard?
Use the Apply now button to continue on Erste Bank's secure site. Comparing and applying through DebitCue is free.

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