NBG review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
NBG suits people who want a straightforward Mastercard from a Greek bank and are comfortable paying for it. The card is a credit card with an annual fee of €6 and a currency conversion fee of 2%, and spending earns points rather than cash back.
Key facts
- Best for
- Anyone in Greece who wants a Mastercard credit card with points and accepts an annual fee.
- Currency conversion fee
- 2% (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Card network
- Mastercard (Source, checked September 26, 2026)
- Legal entity
- NATIONAL BANK OF GREECE S.A. (Source, checked September 26, 2026)
- Headquarters
- Greece (Source, checked September 26, 2026)
- Official website
- nbg.gr
Credit cards
- Annual fee
- €6 (Source, checked September 26, 2026)
- APR
- 19.29% (Source, checked September 26, 2026)
- Currency conversion fee
- 2% (Source, checked September 26, 2026)
- Rewards type
- Points (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- NATIONAL BANK OF GREECE S.A. (Source, checked September 26, 2026)
- Headquarters
- Greece (Source, checked September 26, 2026)
Pros and cons
Pros
- Card runs on the Mastercard network, so it fits everyday spending and travel abroad
- Points are the reward type, giving something back on purchases
- Annual fee of €6 sits below the site maximum of €167.70
- Issued by NATIONAL BANK OF GREECE S.A., based in Greece
Cons
- Annual fee of €6 where the site median is €0
- Currency conversion fee of 2% is above the site median of 1%
- APR of 19.29% means borrowing costs money if balances are carried
Who it suits
- People in Greece who want a plain Mastercard credit card rather than a prepaid or virtual one
- Anyone happy spending with Mastercard and collecting points on what they buy
- Borrowers who can clear a balance inside a short period at an APR of 19.29%
Who should look elsewhere
- Travellers who spend heavily in other currencies and want a lower conversion fee than 2%
- Anyone who wants a card with no annual fee, since the fee here is €6
- Savers who keep a balance on the card, because the APR is 19.29%
The company behind it
The card is issued by NATIONAL BANK OF GREECE S.A., which is registered in Greece. That is a bank rather than a fintech or a prepaid issuer, so the account sits with an established Greek lender. The card itself runs on the Mastercard network, and the reward type is points rather than cash back, so spending is collected as points.
How NBG compares
Frequently asked questions
What kind of card is this?+
It is a credit card, drawn from the current account balance and paid back over time. The reward type is points, so purchases earn points rather than cash back. The network is Mastercard.
What does the card cost to keep?+
There is an annual fee of €6 on this card. For comparison, the median annual fee across cards on the site is €0. So the fee here is a real ongoing cost rather than a free card.
What happens if I spend in another currency?+
There is a currency conversion fee of 2% on foreign spend. The site median for that fee is 1%, so this card sits above the middle. Spending abroad is where the cost adds up fastest.
What does borrowing cost?+
The APR is 19.29% on this card. That rate applies if a balance is carried from one statement to the next. The site median APR is 20.97%, so this sits a little below the middle but is not cheap.
Who issues the card?+
The issuer is NATIONAL BANK OF GREECE S.A., based in Greece. It is a bank, not a prepaid or virtual card provider, so credit is extended by a lender in Greece rather than drawn from a loaded balance.
What can I earn from spending?+
The rewards type is points. Points build on purchases made with the card, and the annual fee of €6 applies alongside them. Cash back is not the reward structure here.
Which network does the card use?+
The card is on the Mastercard network. That covers a large share of card acceptance, so it works for everyday spending and for trips abroad, though foreign transactions still carry a fee of 2%.
Is this a good card for a low annual fee?+
It is not the cheapest option. The annual fee here is €6, while the site median is €0. It suits people who value Mastercard acceptance and points over fee size.
Sources
- nbg.gr/-/jssmedia/Files/Idiwtes/Kathimerines-sunallages/k... checked September 26, 2026
Backs: Legal entity
“Creditor NATIONAL BANK OF GREECE S.A.”
- nbg.gr/-/jssmedia/Files/Timologio/web_portal_english_epit... checked September 26, 2026
Backs: Annual fee, APR, Card kind, Currency conversion fee, Headquarters
“Dual Mastercard Credit (1) 19.29% (2) 20.29% - EUR 6 /year”
- nbg.gr/el/idiwtes/kathimerines-sunallages/trapezikes-kartes checked September 26, 2026
Backs: Card type, Card network
“Karta Dual - Mia karta, dyo tropoi pliromis, chreostiki kai pistotiki”
- nbg.gr/en/individuals/daily-transactions/cards/credit-cards checked September 26, 2026
Backs: Rewards type
“Go For More”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Free ATM withdrawals, Protection.
NBG
Anyone in Greece who wants a Mastercard credit card with points and accepts an annual fee.