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 PAYBACK American Express Karte
Compare Erste Bank Smartcard Mastercard and PAYBACK American Express Karte side by side: fees, rewards, APR, and perks.
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PAYBACK American Express Karte
Points
PAYBACK American Express Karte
American Express Germany - American Express - Credit card
4.7
4.7 out of 5
9.4/10
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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 | PAYBACK American Express Karte |
|---|---|---|
| Card fee | €22.44 EUR/yr (≈ $24) | No fee |
| Purchase APR (from) | 5.19% | - |
| Interest-free period | - | 30 days |
| Foreign transaction fee | 1.5% | 2% |
| Rewards | 0.30% cashback on purchases at participating online shops where card details are saved; maximum €8 per calendar year, credited in January | 1 PAYBACK point per €3 spent everywhere; double points (card + merchant points) at all PAYBACK partner stores. Points never expire with active programme participation. PAYBACK points convertible 1:1 to Lufthansa Miles & More miles. Optional PAYBACK MAX upgrade at €35/year doubles earning to 2 points per €3. |
| 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) | Splitpay optional installment loan via solarisBank |
| 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 PAYBACK American Express Karte 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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