GMX Mastercard Gold
Free gold credit card with travel insurance and free worldwide withdrawals.
Score: 8.4 / 10 · Very good
Rating: 8.2 / 10 · 540 reviews
Best for: Insurance coverage
Overview
The GMX Mastercard Gold is a genuine credit card from GMX on the Mastercard network. Free gold credit card with travel insurance and free worldwide withdrawals. It comes with no annual fee on a permanent basis and also waives the usual foreign currency fee abroad.
Who is it for?
The card is particularly suited to insurance coverage. Its strengths lie in travel and use abroad, travellers who need 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 24.69 %).
How the score is calculated
Overall score: 8.4 / 10 · Very good
| Costs (30 %) | 10.0 / 10 |
|---|---|
| Foreign currency (18 %) | 10.0 / 10 |
| Cash worldwide (14 %) | 10.0 / 10 |
| Interest (10 %) | 4.5 / 10 |
| Cashback & bonus (10 %) | 0.0 / 10 |
| Features (6 %) | 5.2 / 10 |
| Community signal (12 %) | 8.1 / 10 |
Interest safeguard: −0.6 points due to high effective interest on installments.
Highlights
- €0 annual fee
- Free cash withdrawals worldwide
- Travel insurance included
- No foreign currency fee
Costs & Fees
| Annual fee | 0 € |
|---|---|
| Welcome bonus | — |
| Eff. annual interest | 24,69 % |
| Type | Credit card |
| Network | Mastercard |
| Issuer | GMX |
There is no annual fee. You pay no surcharge abroad or in foreign currency. Cash withdrawals are free of charge worldwide. The effective annual interest rate is 24.69 % (for instalment payments). Billing: Monthly billing with optional installment (revolving) repayment.
Redirect to provider · non-binding
This card in our comparisons: Free Credit Cards · Travel Credit Cards · Student Credit Cards · Credit Cards With Insurance
Similar credit cards
- BBVA Credit Card Classic – Fee-free credit card with free worldwide withdrawals and a German IBAN.
- Deutschland-Kreditkarte Classic – Well-known free Visa credit card with no account requirement, recommended by Stiftung Warentest.
- Hanseatic Bank GenialCard – Popular fee-free credit card with free worldwide withdrawals.
- Easybank Credit Card – Flexible credit card with no account requirement — successor to the Barclays Visa.
Frequently asked questions
- What does the GMX Mastercard Gold cost per year?
- The GMX Mastercard Gold has no annual fee on a permanent basis — there are no fixed yearly costs.
- Does the GMX Mastercard Gold charge foreign currency fees?
- No. With the GMX Mastercard Gold you pay no foreign currency fee worldwide.
- Is the GMX Mastercard Gold a genuine credit card?
- Yes, the GMX Mastercard Gold is a genuine credit card with a credit line (effective annual interest 24.69 %).
- Does the GMX Mastercard Gold include travel insurance?
- Yes, the GMX Mastercard Gold includes travel insurance benefits. The provider specifies the exact scope in the terms.
- Does the GMX Mastercard Gold require a SCHUFA check?
- Yes, GMX runs a SCHUFA credit check for the GMX Mastercard Gold; a negative SCHUFA record can lead to rejection.
- How is money on the GMX Mastercard Gold protected?
- Statutory deposit guarantee Luxembourg (FGDL), up to €100,000. No voluntary top-up. GMX Mastercard Gold is issued by Advanzia Bank S.A. (Luxembourg).