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?
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 25.09 %).
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 %) | 4.4 / 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 | 25.09 % |
| 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 25.09 % (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
Related guides: Rental car deposits with a credit card · Foreign fee study 2026: what credit cards cost abroad · Student credit cards in Germany: what matters
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 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 25.09 %).
- 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.