Your Mastercard has an individual credit limit +, up to which you can pay with the card. Payments are not deducted directly from your current account, but you will receive an invoice the following month.
You must pay at least 3% or 30 euros of the monthly bill, or you pay everything immediately. If you pay back in installments, interest of 1.86% per month will be charged.
+The limit depends on your credit rating.
You pay no annual fee for the gebührenfrei Mastercard GOLD.
Use Apple Pay or Google Pay to pay quickly and securely anywhere.
Pay with the gebührenfrei Mastercard GOLD when traveling or in everyday life without fees.
Benefit from travel insurance for you and your fellow travelers at no extra cost.
With the gebührenfrei Mastercard GOLD you have up to 7 weeks to pay your bill.
Shop online or in store
You use the card to make purchases online, in the city or on vacation. It is accepted almost everywhere.
Receive invoice
The following month you will receive an invoice for the payments you have made with the card.
Transfer invoice amount
You pay the invoice by bank transfer from your current account, either in full or in part.
Fees
There are no fees with the gebührenfrei Mastercard GOLD.
| Card fees | Price |
|---|---|
| Annual fee (permanent) | 0 Euro |
| Foreign transaction fee (worldwide) | 0 Euro* |
| Cash withdrawal fee worldwide at the counter/ ATM | 0 Euro** |
| Currency conversion fee | 0 Euro |
| Card dispatch | 0 Euro |
| Card blocking | 0 Euro |
| Emergency replacement card | 0 Euro |
| Replacement card | 0 Euro |
| Replacement PIN (secret code) | 0 Euro |
| Duplicate invoice | 0 Euro |
| Address research | 0 Euro |
| Invoice dispatch (postage) | 0 Euro |
Zinsen
With the gebührenfrei Mastercard GOLD, you only pay interest (1.86% per month) if you do not repay the monthly bill for your purchases in full.
| Costs | Price |
|---|---|
| Debit interest on purchases (settlement of the total invoice amount at maturity) | 0 % |
| Debit interest on purchases using the installment facility, 24.69% p.a. Effective interest rate from transaction date, nominal per month | 1,86 % |
| Debit interest for cash withdrawals (cash withdrawals, transfers, money transfers, purchase of cryptocurrencies), 24.69% p.a. Effective interest from transaction date, nominal per month | 1,86 % |
| Exceeding the credit limit at the time of the monthly statement by more than 3%, but by at least 50 euros | 3 Euro |
The gebührenfrei Mastercard GOLD is issued by Advanzia Bank S.A. (9, rue Gabriel Lippmann, L-5365 Munsbach). The bank's product description and terms and conditions apply Advanzia Bank S.A. is a credit institution registered by the Ministry of Finance of the Luxembourg Government under number 47/05.
Based on the above assumptions, the total amount when using the credit card in the total net loan amount for purchases is € 1,129.86 and when using the credit card in the total net loan amount for cash withdrawals (cash withdrawals, bank transfers, money transfers, purchase of cryptocurrencies) is € 1,130.87.
*Interest is charged on cash withdrawals in accordance with the price list.
**The Mastercard exchange rate used for foreign currency payments includes a surcharge, i.e. a currency conversion fee, on the ECB reference rate. You can find the current daily currency conversion fees on https://travelprepaid.mastercard.com/rates.
