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Erste Bank Credit card
Erste Bank Smartcard Visa
Cash back
VISA
Apply for Erste Bank Smartcard Visa

On Erste Bank's secure site

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Credit card Erste Bank Visa

Card review

Erste Bank Smartcard Visa

4.0 4.0 out of 5 8.0/10 DebitCue Score Verified

The smart Visa credit card with monthly full settlement

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 at participating online shops where card is 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 at participating online shops where card is…
  • 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 Visa 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 at participating online shops where card is 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
Pay with
Apple Pay, Google Pay, Contactless
Split Now instalments
First 3 per year free; €50–€4,800; up to 4 monthly instalments

Benefits and perks

Extras that come bundled with the card.

  • Visa Secure for safe online payments

Erste Bank Smartcard Visa: your questions answered

How much does the Erste Bank Smartcard Visa cost?
The Erste Bank Smartcard Visa 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 Visa earn?
The Erste Bank Smartcard Visa earns 0.30% cashback at participating online shops where card is saved; maximum €8 per calendar year, credited in January.
Does the Erste Bank Smartcard Visa charge foreign transaction fees?
Yes - the Erste Bank Smartcard Visa charges a 1.5% foreign transaction fee.
What is the interest rate on the Erste Bank Smartcard Visa?
The Erste Bank Smartcard Visa has a purchase APR of from 5.19%.
Can I pay in installments with the Erste Bank Smartcard Visa?
Yes - Split Now: divide purchases €50–€4,800 into up to 4 monthly instalments; first 3 per year free.
Is the Erste Bank Smartcard Visa a credit, debit or prepaid card?
The Erste Bank Smartcard Visa is a credit card issued by Erste Bank on the Visa network.
Does the Erste Bank Smartcard Visa support Apple Pay and Google Pay?
Yes - the Erste Bank Smartcard Visa works with both Apple Pay and Google Pay.
Where can I get the Erste Bank Smartcard Visa?
The Erste Bank Smartcard Visa is currently offered in Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia and 22 more.
How does DebitCue rate the Erste Bank Smartcard Visa?
DebitCue rates the Erste Bank Smartcard Visa 4.0 out of 5 (8.0/10), scored on the same factors as every card - fees, rewards, perks and ease of use.
How do I apply for the Erste Bank Smartcard Visa?
Use the Apply now button to continue on Erste Bank's secure site. Comparing and applying through DebitCue is free.

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