Erste Bank Smartcard
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Erste Bank · MASTERCARD
The Erste Bank Smartcard is a credit card from Erste Bank on the Mastercard network. It has an annual fee of €22.44.
Verified 23 Oct 2026
Key facts
- Annual fee
- €22.44
- Foreign transaction fee
- 1.5%
- Network
- MASTERCARD
Free in the first year for a first credit card ordered by 31 December 2026
Benefits and perks
- Choose a Visa or a Mastercard.
- Sold by Erste Bank and the Sparkassen at the same price.
- The bill is paid in full each month; instalments are available as an option.
- Split Now: spread a purchase of €50 to €4,800 over up to 4 monthly bills, free up to 3 times a year.
- Up to 0.3% back on online shopping at partner shops (up to €8 a year).
Questions about the Erste Bank Smartcard
What is the annual fee on the Erste Bank Smartcard?
The Erste Bank Smartcard has an annual fee of €22.44.
Is the Erste Bank Smartcard worth it?
The Erste Bank Smartcard is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
Community
Approval and real earn reports from cardholders are coming to this page soon.
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