Monthly Archives: April 2019

The Best Credit Cards (Also Prepaid) In Austria

VISA, American Express, Mastercard or Prepaid Credit Cards | from 0,00 € annual fee

The services of the individual providers are often very different. On this page you will find ours

  • Online calculator
  • Background knowledge and recommendations on credit cards as well
  • Information about prepaid credit cards

Not everyone receives a credit card without a problem Anyone who does not have a regular income may be denied. In particular, students and the unemployed are affected. You can usually buy only one prepaid credit card. Corresponding maps are therefore also taken into account in our comparison.

We have both free credit cards and chargeable credit cards. Decide for yourself which services and which costs are right for you.

You will also find details on our other pages

  • Mortgage / home loans
  • Installment loans (up to 65,000 €)
  • Small loans (up to 2,000 €)
  • current accounts

Online calculator Credit Cards

How to find the right card

How to find the right card

A credit card is needed nowadays in many cases. Online shopping and booking flights are just two examples. It is important that the costs and the interest rates are kept within limits. Our credit card calculator shows you who is suitable for which card. Also included in the evaluation are additional benefits such as bonuses or insurance benefits.

  • Costs / interest
  • Bonuses programs
  • insurance benefits

Here you will find our calculator

Credit card recommendation with checking account :

Credit card recommendation with checking account :

Here we recommend the DKB. She also allows

  • withdraw free money and pay worldwide
  • at 0 Euro card fee.
  • In addition, the borrowing rate is lower than the Advanzia.

This credit card is financed only through loan interest.


Why a credit card?

Why a credit card?

Often the question is whether you really need a credit card or not. However, the trend is very clear: More and more merchants are offering or preferring to pay by credit card, whether online or locally in the store. In the following cases, it is recommended to have a credit card:

  • rent a car
  • pay without cash on the spot
  • shopping at online shops (whether foreign or domestic)
  • Book hotels
  • pay securely online

What should be considered when choosing a credit card?

What should be considered when choosing a credit card?

The most relevant differences between credit cards can be found in the following points:

  • Credit Card Processing
  • Cost differences
  • additional services

A price comparison is therefore worthwhile – calculate now your savings or renewal fees! Our credit card comparison also offers prepaid credit cards. Once you have found the right credit card, you can apply for it directly online.

Credit Card Processing

There are several credit card providers, with the following being among the biggest and most important:

  • American Express
  • Diners Club
  • MasterCard
  • VISA

Considering the credit card acceptance in Europe and especially Austria, MasterCard and VISA are particularly recommendable. Also worldwide, you are well equipped with these cards.

Cost of a credit card

With the fees one can differentiate between basic fees and interest costs . In particular, the basic or annual fees are immense differences. Height fees are not automatically an indication of more power. Sometimes a free credit card is sufficient.

Pay attention to the topic annual sales : For some cards, the fees will be refunded if the customer generates a certain volume of sales within a year.

In turn, interest is charged when a true loan function is in place. This is the case with Diners Club. The user of such a card has a credit line. This means that the loan does not have to be repaid immediately and ongoing repayments are possible. The majority of customers, on the other hand, prefer a timely clearing with the checking account, as is the case, for example, with MasterCard or VISA. As a rule, there are no interest costs.

additional services

There are a variety of additional services in the field of credit cards. However, these are usually insurance benefits , such as travel cancellation insurance. The protection of such an insurance takes effect, if you have decided to book the credit card payment and a break in travel occurs. However, one should think twice, if one really needs such additional services. Often they are insurance companies that are not particularly efficient. Bonus programs may be more worthwhile.


How can I charge my prepaid credit card?

How can I charge my prepaid credit card?

In order to be able to make a payment with the prepaid credit card, the credit card account must be sufficiently covered. The prepaid credit card must therefore be charged if use is being considered.

Transfer from the account to the credit card

A transfer from a checking account to the prepaid credit card account can be made. If the checking account and credit card are the same bank , the transfer will probably be faster than with different bank providers. Sometimes a customer has to wait up to 2 working days for different banks to receive the payment. The transfer can of course also be made by other persons or their bank account . Some providers may also set up a standing order for the credit card account.

cash deposit

If the bank of the prepaid card has a local branch, then also depositing cash is an option on how to charge the credit card account. As a customer, you can rely on both the staff at the counter and self-service terminals.


Thanks to providers like Giropay, a direct transfer is often possible. This books the money directly to the credit card. There may be additional costs and not every bank supports this service.

Is Credit Card Insurance Worth It? See the Answer Here


 Unfortunately, it is no news to anyone that violence in large cities has grown in a frightening way. Exactly because of this, insurance has become part of the Brazilian’s life and consumes a significant portion of his income. We seek life insurance, for the vehicle, residential and now even for credit cards. But Is It Worth It To Hire Credit Card Insurance? Follow this post and discover its advantages and disadvantages:

Insurance price

Insurance price

The insurance paid on the credit or debit card hardly exceeds R $ 5.00 per month, which, per year, would not even reach R $ 60.00. This amount is considerably small given the headaches you could avoid if you had your card stolen.

Some operators allow undue purchases not to be charged to the holder even a few days before the date of the theft notice, and the same goes in case of loss of the card. They cover all the amounts that are spent until the card is locked. But beware: anyone who has the habit of leaving the password annotated with the card loses the right to insurance coverage.

Some carriers also offer protection for purchases made over the internet, while others do not. Therefore, always check with your administrator to see what coverages are available and what events are not covered.

Customers with many cards

Customers with many cards

If you are the type of person who has multiple cards, but only uses one or two, you may be wasting money. Ideally, you should only have enough cards to carry out routine purchases and have the limit available for installment purchases when necessary. Other than that, having many cards increases the risk of loss or theft and ends up generating expenses with annuities and insurance that will never be used.

This can also make it difficult to control your expenses. The idea of ​​the card is to centralize all the purchases in a single place and to allow to identify where are its greater expenses, so to do a financial management.

Avoid coming out with all your cards at once. It is always good to leave a reservation at home. So, if one of them is lost, you can use the reservation while waiting the second way of the other.

Insurance services

Insurance services

Insurance usually offers a number of other benefits that are not limited to loss and theft alone. Some offer compensation in case of an accident, coverage for travel, cover for loss of documents and luggage, reservation of VIP lounge in airports, lodging in case of emergency etc. There is even insurance that covers theft of portable objects such as cell phones and other devices.

The downside is that a lot of people do not even know that insurance offers all of this, and sometimes they do not enjoy it when they need it. Because it is such a low figure on the invoice, some forget to read the prospectus and do not write down the emergency numbers.

But this is not going to happen to you any more: from now on, keep these numbers down on your cell phone or somewhere else within easy reach and see which coverage and services are offered to you. When in doubt, call the call center and ask an attendant to explain the benefits to which you are entitled.