Erste Bank Smartcard Visa vs Millennium BCP TAP Platinum Credit Card: fees, rewards and APR compared - DebitCue Skip to content
DebitCue

Select your country to see available cards

Card eligibility and availability depend on your country of residence. Setting it now lets us hide cards that are not offered in your country.

Head-to-head

Erste Bank Smartcard Visa vs Millennium BCP TAP Platinum Credit Card

Compare Erste Bank Smartcard Visa and Millennium BCP TAP Platinum Credit Card side by side: fees, rewards, APR, and perks.

Last verified

Compared side by side

Cells with a check mark are the stronger value in that row. Ties stay unmarked.

Erste Bank Smartcard Visa versus Millennium BCP TAP Platinum Credit Card compared by attribute
Feature Erste Bank Smartcard Visa Millennium BCP TAP Platinum Credit Card
Card fee €22.44 EUR/yr (≈ $24) €312 EUR/yr (≈ $340)
Purchase APR (from) 5.19% 18.8%
Interest-free period - 30 days
Foreign transaction fee 1.5% 3.85%
Rewards 0.30% cashback at participating online shops where card is saved; maximum €8 per calendar year, credited in January Earn 2 TAP Miles&Go miles per €1 spent. Maximum 75,000 miles per month. Miles do not expire with monthly card use; otherwise expire after 3 years. Excludes cash advances, digital wallet top-ups, gambling, government payments, and tolls.
Installments Split Now: divide purchases €50–€4,800 into up to 4 monthly instalments; first 3 per year free 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 Visa if its checked rows above line up with how you spend most.
  • Choose the Millennium BCP TAP Platinum 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.
Full review Erste Bank Smartcard Visa Full review Millennium BCP TAP Platinum Credit Card

Want a different match-up?

Line up any two cards side by side, or browse the full list to find your next card.

Compare other cards Browse all cards