Erste Bank Smartcard Visa
Cash back
Erste Bank Smartcard Visa
Erste Bank - Visa - Credit card
4.0
4.0 out of 5
8.0/10
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Head-to-head
Erste Bank Smartcard Visa vs Nordea Black
Compare Erste Bank Smartcard Visa and Nordea Black side by side: fees, rewards, APR, and perks.
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Nordea Black
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Nordea Black
Nordea - Mastercard - 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 Visa | Nordea Black |
|---|---|---|
| Card fee | €22.44 EUR/yr (≈ $24) | No fee |
| Purchase APR (from) | 5.19% | - |
| Interest-free period | - | 30 days |
| Foreign transaction fee | 1.5% | 2.5% |
| Rewards | 0.30% cashback at participating online shops where card is saved; maximum €8 per calendar year, credited in January | 0.5% cashback on all credit purchases (from September 1, 2025); 0.7% on foreign currency purchases outside the euro area; 1.0% at restaurants, cafés, concerts, festivals, sporting events, museums and amusement parks. Annual cap €150 per card per calendar year. |
| Installments | Split Now: divide purchases €50–€4,800 into up to 4 monthly instalments; first 3 per year free | Flexible instalment percentage; two instalment-free months per year. |
| 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 Nordea Black 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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