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 Swedbank Mastercard Platinum
Compare Erste Bank Smartcard Mastercard and Swedbank Mastercard Platinum side by side: fees, rewards, APR, and perks.
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Swedbank Mastercard Platinum
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Swedbank Mastercard Platinum
Swedbank - Mastercard - Credit card
4.3
4.3 out of 5
8.6/10
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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 | Swedbank Mastercard Platinum |
|---|---|---|
| Card fee | €22.44 EUR/yr (≈ $24) | 1,700 SEK/yr (≈ $160) |
| Purchase APR (from) | 5.19% | 13.05% |
| Interest-free period | - | - |
| Foreign transaction fee | 1.5% | 1.65% |
| Rewards | 0.30% cashback on purchases at participating online shops where card details are saved; maximum €8 per calendar year, credited in January | Earn 1 point per 1 SEK spent on all purchases. 25,000 points = 100 SEK statement credit (0.4 % effective cashback). Additional 15 öre/litre fuel discount at Preem staffed stations, credited on monthly invoice. |
| 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) | Revolving credit; minimum monthly payment 3 % of balance or 150 SEK. Full balance payment avoids interest. |
| 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 Swedbank Mastercard Platinum 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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