Advanzia Mastercard Gold is a common pick in Germany, Austria, Spain, Italy, and Luxembourg.
You can apply online in minutes. Below you get verified steps, costs, rates, contacts, and caveats.
Advanzia Mastercard Gold Review
This is a no-fee Mastercard Gold issued by Advanzia Bank S.A..
You pay no annual fee, no foreign transaction fee, and you get an interest-free period up to 7 weeks on purchases if you repay on time.
Cash withdrawals and partial repayments incur interest from the transaction date.
Advanzia Mastercard Gold benefits include worldwide acceptance and a complimentary travel-insurance package.
How To Request the Advanzia Mastercard Gold (online)
You must be an adult with a valid ID and a European address in a market where Advanzia offers the card.
You need a bank account to pay your monthly statements by transfer. Advanzia runs a credit check before approval.
Approval criteria and limits vary by country.
- Go to the Advanzia Gold card’s local site (e.g., gebuehrenfrei.com for Germany, free.at for Austria). Click Apply.
- Fill in personal data, address, employment, and contact details.
- Confirm identity per your country’s process (e.g., video-ID or PostIdent in Germany).
- Accept the price list, terms, and insurance conditions.
- Sign the contract digitally. You will receive an email with next steps.
- Activate and set up online access and alerts. Use SEPA transfer to pay statements each month.
Interest Rates
Advanzia applies a monthly nominal rate for revolving balances.
For Germany, the published level is 1.86% per month (about 22% nominal p.a., ~24–25% effective APR) when you do not pay the full statement.
Cash advances accrue interest from day one. Always check your local offer page before applying.
Repayment and minimum payment
You receive a monthly statement with a due date.
If you pay in full, you avoid interest on purchases. If you use installment/partial payment, the minimum is typically 3% of the statement amount, at least €30.
Interest continues on the unpaid portion until cleared. Set bank transfers a few days before the due date.
Practical tips to avoid interest
Always pay the full statement before the due date. Avoid ATM withdrawals unless necessary. Turn off installment if you do not need it.
If you must revolve, note the 1.86% monthly interest and plan faster repayment. Keep proof of your transfers.
Insurance and Protections (summary)
The card includes a travel insurance package when requirements are met (often linked to paying your trip with the card).
Coverage can include trip interruption, medical, and baggage, but exact terms differ by country and product variant.
Review the insurance booklet before travel. Check eligibility triggers and claim steps.
Using the Advanzia’s Mastercard Gold Abroad
You can pay worldwide at Mastercard locations and withdraw cash at ATMs. There is no FX fee from Advanzia, but the Mastercard rate applies.
Avoid dynamic currency conversion (DCC) at terminals to get the network rate. For cash, remember interest starts the same day.
Use the provider’s calculator to estimate rates.
Account Management
Manage your card via the customer portal. Enable email/SMS alerts for statements and reminders.
Keep your contact data current to avoid missed emails.
If you rely on manual bank transfers, set a calendar reminder several days ahead of the due date to avoid interest.
Customer Service
Germany (toll-free): 0800 880 1120
Germany (Mastercard Gold service): +49 (0)345 219 730 30
Luxembourg (switchboard): +352 26 38 75-1
Head office (mailing address): Advanzia Bank S.A., 14, Rue Gabriel Lippmann, L-5365 Munsbach, Luxembourg
Pros and Cons
Pros
- No annual fee permanently.
- No FX fee for purchases abroad.
- Up to 7 weeks interest-free on purchases with full payment.
- Travel insurance included, subject to terms.
- Wide acceptance worldwide.
Cons
- High revolving APR if you do not pay in full.
- Interest from day one on cash withdrawals.
- Manual bank transfer repayment can trip up new users.
- Insurance activation rules vary; you must check your booklet.
Alternatives to Consider
If you want similar benefits with automatic direct debit or different insurance terms, compare other free travel cards in your market.
Check fee tables, APRs, repayment methods, and insurance triggers. Compare the interest-free window, FX fees, and claim procedures side by side.
Choose the one that fits your payment discipline.
| Card (Issuer) | FX Fee | Cash Withdrawal Fee (issuer) | Interest on Purchases (revolving) | Travel Insurance | Repayment Method / Notes |
|---|---|---|---|---|---|
| Advanzia Mastercard Gold (Advanzia) | 0% | €0 (interest from day one) | ~1.86%/mo (~22% nominal p.a., ~24–25% APR) if you don’t pay in full | Yes (package; check country terms) | You pay by bank transfer each month; up to ~7 weeks interest-free if paid in full. |
| Barclays Visa (Barclays Germany) | 0% | €0 (issuer side; ATM owner may charge) | Variable (Barclays shows rates for installment purchases; check card T&Cs) | No built-in on basic Visa | Direct debit; flexible repayment options; official page and price list confirm 0% FX and €0 cash withdrawal fee. |
| Hanseatic Bank GenialCard (Hanseatic) | 0% worldwide card payments | Free worldwide from issuer side (Germany may differ/fees possible) | ~16.45% p.a. when revolving (publisher cites bank data) | No by default | Revolving credit with app/online control; simple online signup. (Verify exact ATM terms in DE.) |
| DKB VISA (Debit) (DKB) | 0% for Active customers; otherwise conversion fees can apply | Free withdrawals for Active customers (conditions apply) | Not a revolving credit card (debit) | No | Requires DKB current account; perks depend on Active status (e.g., €700/mo inflow). |
| N26 (Mastercard Debit) (N26) | 0% on card payments; ATM withdrawal fees/FX for lower tiers may apply | Varies by plan; FX fees for some tiers on withdrawals | Not revolving (debit) | Metal/You tiers include insurance (varies) | App-only bank; choose plan for travel needs and insurance. |
Conclusion
The Advanzia Mastercard Gold is strong if you want no annual fee, no FX fee, and a long interest-free window for purchases.
It shines when you always pay in full and avoid cash. It can be costly if you rely on revolving credit or cash advances.
If you are disciplined, it’s a simple and effective travel and daily spending card.
Disclaimer: This article is informational and not financial advice. Product terms, interest rates, insurance conditions, and phone numbers change by country and over time. Always check the official Advanzia site for your market, the price list, and the insurance booklet before applying or traveling.
