Extra Karte Mastercard
Free Mastercard with an instalment option and up to 8 weeks interest-free.
Score: 6.0 / 10 · Fair
Rating: 6.2 / 10 · No reviews yet
Best for: Free card with instalments
Overview
The Extra Karte Mastercard is a genuine credit card from Bank DiMare on the Mastercard network. Free Mastercard with an instalment option and up to 8 weeks interest-free. It comes with no annual fee on a permanent basis. A surcharge of 2.99 % applies to payments in foreign currency.
Who is it for?
Our take: Free card with instalments. Its strengths lie in 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 24.6 %).
How the score is calculated
Overall score: 6.0 / 10 · Fair
| Costs (30 %) | 10.0 / 10 |
|---|---|
| Foreign currency (18 %) | 2.5 / 10 |
| Cash worldwide (14 %) | 2.5 / 10 |
| Interest (10 %) | 4.5 / 10 |
| Cashback & bonus (10 %) | 0.0 / 10 |
| Features (6 %) | 1.8 / 10 |
| Community signal (12 %) | 6.9 / 10 |
Interest safeguard: −0.6 points due to high effective interest on installments.
Highlights
- No annual fee, permanently
- Up to 8 weeks interest-free
- Instalments from 10% (min. €15)
- Apple Pay & Google Pay
Costs & Fees
| Annual fee | €0 |
|---|---|
| Welcome bonus | — |
| Eff. annual interest | 24.6 % |
| Type | Credit card |
| Network | Mastercard |
| Issuer | Bank DiMare |
There is no annual fee. Outside the euro area a 2.99 % foreign currency fee applies. A fee of 3 % (min. €3) + 2.99 % foreign currency fee applies to cash abroad. In Germany, cash withdrawals cost 3 % (min. €3). The effective annual interest rate is 24.6 % (for instalment payments). Billing: Monthly billing with optional instalment (revolving) repayment, at least 10% or €15.
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This card in our comparisons: Free Credit Cards · Credit Cards With Instalments · Mastercard Credit Cards Compared
Related guides: Credit card fees and how to avoid them · Foreign fee study 2026: what credit cards cost abroad · What is SCHUFA? Germany's credit score guide
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- 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 Extra Karte Mastercard cost per year?
- The Extra Karte Mastercard has no annual fee on a permanent basis — there are no fixed yearly costs.
- Does the Extra Karte Mastercard charge foreign currency fees?
- Yes. Outside the euro area the Extra Karte Mastercard charges a 2.99 % foreign currency fee.
- Is the Extra Karte Mastercard a genuine credit card?
- Yes, the Extra Karte Mastercard is a genuine credit card with a credit line (effective annual interest 24.6 %).
- Does the Extra Karte Mastercard require a SCHUFA check?
- Yes, Bank DiMare runs a SCHUFA credit check for the Extra Karte Mastercard; a negative SCHUFA record can lead to rejection.
- How is money on the Extra Karte Mastercard protected?
- Credit card without a deposit account, so no deposit guarantee applies. Issuer: Bank DiMare Limited (Novum Bank Limited until July 2026), Malta, supervised by the Malta Financial Services Authority (MFSA).