TF Bank Mastercard Gold
Free travel credit card with included travel insurance and a long payment period.
Score: 8.5 / 10 · Very good
Rating: 9.2 / 10 · 3.120 reviews
Best for: Frequent travellers
Overview
The TF Bank Mastercard Gold is a genuine credit card from TF Bank on the Mastercard network. Free travel credit card with included travel insurance and a long payment period. 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 frequent travellers. 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 24.79 %).
How the score is calculated
Overall score: 8.5 / 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 %) | 9.1 / 10 |
Interest safeguard: −0.6 points due to high effective interest on installments.
Highlights
- Permanently €0 annual fee
- Pay & withdraw fee-free worldwide
- Travel insurance included
- Up to 51 days interest-free period
Costs & Fees
| Annual fee | 0 € |
|---|---|
| Welcome bonus | — |
| Eff. annual interest | 24,79 % |
| Type | Credit card |
| Network | Mastercard |
| Issuer | TF Bank |
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 24.79 % (for instalment payments). Billing: Monthly billing with optional installment (revolving) repayment.
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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 TF Bank Mastercard Gold cost per year?
- The TF Bank Mastercard Gold has no annual fee on a permanent basis — there are no fixed yearly costs.
- Does the TF Bank Mastercard Gold charge foreign currency fees?
- No. With the TF Bank Mastercard Gold you pay no foreign currency fee worldwide.
- Is the TF Bank Mastercard Gold a genuine credit card?
- Yes, the TF Bank Mastercard Gold is a genuine credit card with a credit line (effective annual interest 24.79 %).
- Does the TF Bank Mastercard Gold include travel insurance?
- Yes, the TF Bank Mastercard Gold includes travel insurance benefits. The provider specifies the exact scope in the terms.
- Does the TF Bank Mastercard Gold require a SCHUFA check?
- Yes, TF Bank runs a SCHUFA credit check for the TF Bank Mastercard Gold; a negative SCHUFA record can lead to rejection.
- How is money on the TF Bank Mastercard Gold protected?
- Statutory deposit guarantee Sweden (Riksgälden), up to €100,000 (equivalent to SEK 1,050,000–1,150,000). TF Bank AB is headquartered in Borås, Sweden.