Hanseatic Bank GoldCard
The GoldCard combines a free first year with a built-in travel insurance package, giving holidaymakers cover for medical emergencies and trip mishaps at no card cost.
Why it ranks
- Solid travel insurance coverage built in
- No FX fees for spending abroad
- Free for the first year
What holds it back
- An annual fee may apply from the second year
- Revolving interest is high if balances are carried
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
The GoldCard combines a free first year with a built-in travel insurance package, giving holidaymakers cover for medical emergencies and trip mishaps at no card cost.
Hanseatic Bank GoldCard at a glance
| Issuer | Hanseatic Bank |
| Card network | Visa |
| Annual fee | No annual fee |
| Welcome bonus | Occasional new-customer promotion |
| Rewards rate | Benefit-led, no points |
| Intro APR | First year free, then annual fee may apply |
| Regular APR | Approx. 16.94% p.a. on revolving balances |
| Foreign transaction fee | 0% on purchases worldwide |
| Credit needed | Positive SCHUFA, regular income |
| Best for | Travellers wanting insurance without a points programme |
| Airport lounge access | No |
Rewards & benefits
- Comprehensive travel insurance package included
- 0% foreign currency fee on payments worldwide
- Free in the first year (fee may apply thereafter)
- Flexible repayment option managed in the app
Eligibility & who it suits
- Resident in Germany with a registered address
- Positive SCHUFA credit standing
- Regular, verifiable income
- Minimum age of 18
How to apply
Check current rates on Hanseatic Bank’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar Germany cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | HHanseatic BankGoldCardNo annual fee · DE Hanseatic Bank GoldCardTravellers wanting insurance without a points programme |
None | Benefit-led, no points | Occasional new-customer promotion | 0% on purchases worldwide | Positive SCHUFA, regular income | |
| 2 | NN26N26 Go€9.90/yr · DE N26 GoFrequent travellers wanting insurance and a modern app |
€9.90/yr | 1% cashback on card purchases abroad | Occasional promotional offers for new members | 0% on foreign currency car… | Standard identity and SCHUFA che… | |
| 3 | DDeutsche BankMastercard TravelNo annual fee · DE Deutsche Bank Mastercard TravelDeutsche Bank customers who travel internationally |
None | Benefit-led, no points | Occasional new-customer promotion | 0% on purchases worldwide | Positive SCHUFA, regular income |
Reader reviews
No reader reviews yet. Have this card? Share how it has worked for you.
Write a review
Reviews appear after moderation.
Comments & Questions (0)
No comments yet — be the first to ask. Comments appear after review.
Leave a comment
Your comment appears after our team approves it. Or sign in to post faster.