Hanseatic Bank Goldcard
Gold credit card with travel insurance and fee-free withdrawals worldwide for €4.90 a month.
Score: 6.9 / 10 · Fair
Rating: 8.0 / 10 · 1.340 reviews
Best for: Insurance coverage
Overview
The Hanseatic Bank Goldcard is a genuine credit card from Hanseatic Bank on the Visa network. Gold credit card with travel insurance and fee-free withdrawals worldwide for €4.90 a month. The annual fee is €58.80. The card also waives the usual foreign currency fee abroad.
Who is it for?
Our take: Insurance coverage. 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 25.79 %).
How the score is calculated
Overall score: 6.9 / 10 · Fair
| Costs (30 %) | 4.3 / 10 |
|---|---|
| Foreign currency (18 %) | 10.0 / 10 |
| Cash worldwide (14 %) | 10.0 / 10 |
| Interest (10 %) | 4.3 / 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
- Flexible instalments (3%, min. €20)
- Travel insurance included
- Free withdrawals worldwide
- No foreign currency fee
Costs & Fees
| Annual fee | €58.80 |
|---|---|
| Welcome bonus | — |
| Eff. annual interest | 25.79 % |
| Type | Credit card |
| Network | Visa |
| Issuer | Hanseatic Bank |
The annual fee is €58.80. You pay no surcharge abroad or in foreign currency. Cash withdrawals are free of charge worldwide. The effective annual interest rate is 25.79 % (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 · Using a credit card abroad: how to avoid fees · Credit card travel insurance: what's covered
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 Hanseatic Bank Goldcard cost per year?
- The Hanseatic Bank Goldcard costs €58.80 per year.
- Does the Hanseatic Bank Goldcard charge foreign currency fees?
- No. With the Hanseatic Bank Goldcard you pay no foreign currency fee worldwide.
- Is the Hanseatic Bank Goldcard a genuine credit card?
- Yes, the Hanseatic Bank Goldcard is a genuine credit card with a credit line (effective annual interest 25.79 %).
- Does the Hanseatic Bank Goldcard include travel insurance?
- Yes, the Hanseatic Bank Goldcard includes travel insurance benefits. The provider specifies the exact scope in the terms.
- Does the Hanseatic Bank Goldcard require a SCHUFA check?
- Yes, Hanseatic Bank runs a SCHUFA credit check for the Hanseatic Bank Goldcard; a negative SCHUFA record can lead to rejection.
- How is money on the Hanseatic Bank Goldcard protected?
- Statutory deposit guarantee Germany (EdB), up to €100,000. Additionally voluntary BdB deposit protection fund (up to €3 million for private customers, as of 2026).