easybank Credit Card Platinum
Premium travel credit card with a full insurance package and 0% foreign currency fee worldwide.
Score: 7.0 / 10 · Fair
Rating: 7.9 / 10 · 640 reviews
Best for: Frequent travellers
Overview
The easybank Credit Card Platinum is a genuine credit card from easybank on the Visa network. Premium travel credit card with a full insurance package and 0% foreign currency fee worldwide. The annual fee is €99. The card also waives the usual foreign currency fee abroad.
Who is it for?
Our take: Frequent travellers. Its strengths lie in travel and use abroad, included travel insurance and mobile payments. It is issued without a German IBAN, so no additional checking account is strictly required. As a genuine credit card it offers a credit line (effective annual interest 21.51 %).
How the score is calculated
Overall score: 7.0 / 10 · Fair
| Costs (30 %) | 3.1 / 10 |
|---|---|
| Foreign currency (18 %) | 10.0 / 10 |
| Cash worldwide (14 %) | 10.0 / 10 |
| Interest (10 %) | 5.2 / 10 |
| Cashback & bonus (10 %) | 0.0 / 10 |
| Features (6 %) | 5.2 / 10 |
| Community signal (12 %) | 7.9 / 10 |
Interest safeguard: −0.2 points due to high effective interest on installments.
Highlights
- 0% foreign currency fee worldwide
- Comprehensive travel insurance package
- Up to 59 days interest-free period
- Free cash withdrawals worldwide
Costs & Fees
| Annual fee | €99 |
|---|---|
| Welcome bonus | — |
| Eff. annual interest | 21.51 % |
| Type | Credit card |
| Network | Visa |
| Issuer | easybank |
The annual fee is €99. You pay no surcharge abroad or in foreign currency. Cash withdrawals are free of charge worldwide. The effective annual interest rate is 21.51 % (for instalment payments). Billing: Monthly billing with optional installment (revolving) repayment.
Redirect to provider · non-binding
This card in our comparisons: Travel Credit Cards · Credit Cards With Insurance · Credit Cards With Instalments · Visa Credit Cards Compared
Related guides: Rental car deposits with a credit card · Foreign fee study 2026: what credit cards cost abroad · Using a credit card abroad: how to avoid fees
Similar credit cards
- Hanseatic Bank GenialCard – Popular fee-free credit card with free cash withdrawals abroad.
- Easybank Credit Card – Flexible credit card with no account requirement — successor to the Barclays Visa.
- Deutschland-Kreditkarte Classic – Well-known free Visa credit card with no account requirement, recommended by Stiftung Warentest.
- Bank Norwegian Visa – The all-round fee-free travel credit card with no extra checking account.
Frequently asked questions
- What does the easybank Credit Card Platinum cost per year?
- The easybank Credit Card Platinum costs €99 per year.
- Does the easybank Credit Card Platinum charge foreign currency fees?
- No. With the easybank Credit Card Platinum you pay no foreign currency fee worldwide.
- Is the easybank Credit Card Platinum a genuine credit card?
- Yes, the easybank Credit Card Platinum is a genuine credit card with a credit line (effective annual interest 21.51 %).
- Does the easybank Credit Card Platinum include travel insurance?
- Yes, the easybank Credit Card Platinum includes travel insurance benefits. The provider specifies the exact scope in the terms.
- Does the easybank Credit Card Platinum require a SCHUFA check?
- Yes, easybank runs a SCHUFA credit check for the easybank Credit Card Platinum; a negative SCHUFA record can lead to rejection.
- How is money on the easybank Credit Card Platinum protected?
- Statutory deposit guarantee Austria (Einlagensicherung AUSTRIA GmbH, ESA), up to €100,000. Additionally voluntary BdB fund (up to €3 million). The Barclays brand in Germany is now operated under BAWAG AG (easybank).