Instabank Kreditkarte
No ratings yetNot yet rated
Instabank · VISA
The Instabank Kreditkarte is a credit card from Instabank on the Visa network. It has an annual fee of €0.
Verified 18 Oct 2026
Key facts
- Annual fee
- €0
- Purchase APR
- 18.9% p.a. (effective 20.63% on €1,500 over 12 months)
- Foreign transaction fee
- 2.49%
- Network
- VISA
Benefits and perks
- No interest-free period: interest runs from the first day on any credit used.
- A new discount category every month, deducted from the next bill.
- Credit limit up to €25,000.
- Transfers to your reference account cost 2.69% (up to €100).
Questions about the Instabank Kreditkarte
What is the annual fee on the Instabank Kreditkarte?
The Instabank Kreditkarte has an annual fee of €0.
Is the Instabank Kreditkarte worth it?
The Instabank Kreditkarte 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.
Not sure this is the right card for you?
Upload a credit card statement and Woodo works out what you actually spend by category, then ranks every card in the catalog against your own numbers. No bank login needed.
Upload a statement