Erste Bank Smartcard Mastercard
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Erste Bank Smartcard Mastercard
Erste Bank - Mastercard - Credit card
3.8
3.8 out of 5
7.6/10
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Erste Bank Smartcard Mastercard vs Millennium BCP Gold Prestige Credit Card
Compare Erste Bank Smartcard Mastercard and Millennium BCP Gold Prestige Credit Card side by side: fees, rewards, APR, and perks.
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Millennium BCP Gold Prestige Credit Card
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Millennium BCP Gold Prestige Credit Card
Millennium BCP - Visa - Credit card
3.9
3.9 out of 5
7.8/10
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Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | Erste Bank Smartcard Mastercard | Millennium BCP Gold Prestige Credit Card |
|---|---|---|
| Card fee | €22.44 EUR/yr (≈ $24) | €31.2 EUR/yr (≈ $34) |
| Purchase APR (from) | 5.19% | 18.8% |
| Interest-free period | - | 30 days |
| Foreign transaction fee | 1.5% | 3.85% |
| Rewards | 0.30% cashback on purchases at participating online shops where card details are saved; maximum €8 per calendar year, credited in January | Millennium Rewards: earn 1 point per €1 spent. Points redeemable for products and experiences from the Millennium catalogue. Points valid for 5 years from earning date. Excludes gambling, gaming, cash advances, and digital wallet top-ups. |
| 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) | Split purchases into 3, 6 or 9 monthly instalments via the app (TAN 10.0 % / 10.5 % / 11.0 %). |
| No card fee | - | - |
| No foreign transaction fee | - | - |
| Welcome bonus | - | - |
| Airport lounge access | - | - |
| Travel insurance | - | |
| Apple Pay / Google Pay |
Which is right for you
Pick by how you spend
- Choose the Erste Bank Smartcard Mastercard if its checked rows above line up with how you spend most.
- Choose the Millennium BCP Gold Prestige Credit Card if it wins on the features that matter most to you.
- Still unsure? Read each full review below, then apply on the issuer's secure site.
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