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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.



You are looking for a cheap loan and are looking for a good credit offer? The subject of online loans in Austria has been up-to-date for some years now and there are now many reputable banks and providers where you can conveniently apply for a loan online. Our recommendation at this point is the loan from Erste Bank called “Erste Bank Klick Kredit”. see for further notes

Which online loan is recommended?

Which online loan is recommended?


In Austria, there are several recommended online credit offers, such as the online loan from Austrian Anadi Bank AG, the Santander Consumer Bank Now-Now-Credit, the BAWAG Credit and others. It makes sense in each case to make an accurate credit comparison of credit providers and to choose the cheapest loan offer.

How does Online Credit work?

How does Online Credit work?


The online loan application is similar to a normal loan application in a branch. First, a loan calculator selects the exact loan offer and calculates whether you can afford the loan (usually with a household bill).

Thereafter, the credit check (KSV query) or credit check. For the legitimation either a post-identification procedure or the legitimation must be carried out by means of video ident. For questions about the loan, there is usually a separate hotline. With the reputable providers in Austria it is simply possible to apply for the credit online, the experience with handling, disbursement and advice from the customers are here to be evaluated positively.

Can you trust online credit?

Can you trust online credit?


Even if it applies to some offers to exercise caution (eg in case of pre-cost or unserious promises such as “credit for all”) so you can generally the well-known banks (Raiffeisen, Erste Bank, Easybank, Anadi, Santander ..) also online trust in the loan search and make a loan application.

Borrow money – Immediately payout in Austria

Borrow money - Immediately payout in Austria


In Austria there are several providers for cheap instant loans. An online instant loan with immediate payment in 24 hours in Austria, for example, is also available at Erste Bank. Payment will be made within 24 hours on bank business days after positive verification.

In general, it should be said that applying for credit online experience in Austria among reputable credit providers for a cheap online loan are consistently positive. If there are any open questions or ambiguities, it makes sense to check the information on the bank websites and to get details about the hotline / telephone advice of the provider.

Personal Loans Online


The Draft is a Credit Title, whose function is to postpone the payment of a sum in money, which gives the legitimate holder (creditor) the right to be paid at a specific expiry date that is indicated in it.

There are two types of bills:

  1. Draft / Treats : the trader (the creditor) gives the order to the drawee (the debtor) to pay a sum to the bearer of the title, beneficiary or third party. By law, the hauler guarantees the bill of exchange and remains responsible for both acceptance and payment. For acceptance, you can exempt from acceptance by a specific clause, but not for payment.

Note : each creditor will be responsible for payment of the Draft / Route to those who own the Title.

  1. I will pay or Vaglia Cambiario : Issued by the debtor who makes a promise of payment to the creditor, or to the beneficiary of the title. The bill is signed by the issuer, which remains the principal in relation to the subsequent creditors.
  2. Stamp duty : 12 per thousand for the Cambiale / Tratta and 11 per thousand for the Pagherò or Vaglia Cambiario.

The modules can be bought in tobacconists as well as the stamp. The stamp is the cost of the draft that collects the state.



NOTE : The bill without stamp or stamp that has not been canceled in Swiss Post has no value of Executive Title and in the case of non-payment it is not possible to execute executive actions for the recovery of the due.

It is the judge, also ex officio, who declares the ineffectiveness of the Executive Title of the bill without the stamp.

Everyone can have a   Loan guaranteed by Cambiale ?   Or are there any real limitations on the granting and subsequent disbursement of this funding?

Everyone can have a   Loan guaranteed by Cambiale ?   Or are there any real limitations on the granting and subsequent disbursement of this funding?

Getting a loan with the bill is not easy. We are no longer in the golden years of reconstruction, years in which the bill was in effect the loan that the bank gave wide hands as we knew that the debts were paid, today we are in strong economic tension, we know that the revenue is counted and this information is also given by those who grant funding. So issuing bills against a customer protested without a real guarantee is impossible, also because we know that in case of foreclosure the last will be placed at the end of the foreclosures already under way.

The financial institutions that grant the Cambialized Loan verify and evaluate the customer and decide on the basis of its Central Risks .

A person who has delays in payments or who has missed payment of installments of a Loan and who can not be financed through the Cession of the Fifth will also be denied the Modified Loan , unless there is a person who can be financed by Avalla with his signature is the Cambiale. The Avallo is valid as a guarantee in favor of the debtor, if he does not save the bill (s) the Avanteante will do it.

Analyzing the item Costs we add a further limitation: the bill has much higher costs than the traditional loan and those who find themselves in particular economic difficulty expose themselves to the Usura , network, this, absolutely destructive for themselves and for the family as well as for the Companies.

The bill has higher costs for both the rate of interest applied, in fact the greater the risk for the budget and the higher the rate, which for the stamp duty that collects the State, to be placed on the bill to validate, the value of the 1.2% on the value of the promissory note to be borne by the Borrower. The bill must be validated at the Post Office . It should be remembered that without a stamp canceled by the Post Office, the bill has no value as Executive Title .

The bills must be paid in penalty of being included in the Register of Protestants of the CCIAA of residence and if within the year you do not pay and you request the cancellation the Protest will be written in the Register of Protestants of the Court and the cancellation procedure will be long and burdensome .

Report of Protested in the Chamber of Commerce, what to do.

First of all, you must try to pay the bills of exchange before the year in which the bill is paid. The creditor must issue the written and signed Quietance ( Disclaimer ). With the receipt go to the local Chamber of Commerce and formally request the cancellation from the Register of Protestants of the Chamber of Commerce .

On the other hand, if the Protest is closed when it is more than a year ago or worse it is not closed at all, the report is also registered in the Register of Protestants of the local Court .

In this case the name of the Protestato remains reported for five years, if he wishes the cancellation must go to the Court and to the Protest Office of the Chamber of Commerce , where it is reported, with a request for rehabilitation (check or bill) accompanied by the creditor’s signature of the payment of the Protected Title ( Disclaimer ).
After 5 years automatically the cancellation of the Register in Court and the Register of Protestants of the Chamber of Commerce, and at the deadline it is appropriate to verify that this has actually happened !

Don Quixote to try to avoid financial problems to people who then drag themselves over time for many years considers it useful a comparison, a consultancy, aimed at evaluating an alternative solution such as for an employee may be the Cession of the Fifth   of the salary or a   Loan   personnel who make a family that can be financed as a replacement.

So before deciding to put yourself in further economic difficulty it is worthwhile to analyze well your current and future financial situation. To do this you need an interlocutor who knows how to analyze your needs well.


Credit loans at Low Interest Rate

Ferratum is the mobile bank that makes it easy to apply for unsecured credit or UC control. Ferratum offers loans between 1000 up to SEK 30,000 with a chance to raise the credit limit for you with good repayment capacity (usually takes place after 6 months). Choose yourself if you want to withdraw the full amount directly or make smaller withdrawals if needed. Always quick answers with payouts the same day. Individual assessment where payment notes are accepted.

Ferratum account credit and quick loan, SEK 1000 – SEK 30,000:

  • Loans without UC (Creditsafe used)
  • Unsecured Loans
  • 0: – in fees ( interest only)
  • The money in the account directly, incl. weekend


Payment and credit check

Payment directly after approved application for customers of Nordea, Swedbank, Handelsbanken and SEB every day of the week (during customer service opening hours). For other banks, payment is made on the same day if you apply before 9:00 a weekday. If you apply instead between 9:00 – 13:00 on a weekday, the money is in the account the next business day during the morning while applications coming in after. 13 will be paid the next business day in the afternoon. You will always be informed via SMS when the credit is paid out.

* Ferratum conducts credit checks via Creditsafe and chooses to review your current financial situation in the first place. Account credit despite payment remarks is therefore approved, however, the remarks must be older than 6 months and you may have a maximum of 6.


Interest and expenses for Ferratum Credit

Every month at least 10% of your capital debt or at least SEK 300 must be repaid. The monthly interest rate, irrespective of the loan amount, is 3.3%. The effective interest rate is around 47.64%. There are no other fees as avi per e-mail is free of charge, as well as withdrawals and processing.

Requirements for you as a borrower:

  • At least 21 years +
  • Declared income
  • No debt balance with Kronofogden
  • Registered in Sweden


  • Chance of raising credit
  • Approved loan despite low credit rating
  • Approved despite payment note