PayLife Black

Key facts

Annual fee

€122.70

€61.30 in the first year for cards ordered by 31 December 2026

Purchase APR

13.53% p.a. (effective 14.4% on €2,200)

Foreign transaction fee

2.65%

Network

MASTERCARD

Benefits and perks

• Choose a Visa or a Mastercard.
• The bill is paid in full each month unless you switch on instalments (free to set up); the instalment rate is the Austrian National Bank base rate plus 12 percentage points.
• 1.65% fee on payments in other currencies and on euro payments outside the EEA, plus an exchange-rate margin of 1% (EEA currencies, Swiss franc, US, Australian and Canadian dollar) or 1.5%.
• Purchase protection for 90 days after purchase.
• Key SOS: the insurer's 24-hour line sends a locksmith and pays for it when you are locked out.
• Travel insurance abroad, wider when the trip is paid with the card.
• Trip cancellation insurance up to €3,000 a year, depending on card use.
• Free FastTrack security lane at Vienna Airport.
• 2 free visits a year to the Sky and Vienna lounges at Vienna Airport, then a reduced price.
• A free return flight to a European city each contract year once you spend €7,500 in it.
• GoldPlus partner card for €54 a year.

Questions about the PayLife Black