TF Bank Mastercard Gold
The TF Bank Mastercard Gold is a permanently free credit card with no foreign currency fees and an included travel insurance package, popular with budget-minded travellers.
Why it ranks
- Truly free with travel insurance built in
- No FX fees for spending abroad
- Straightforward online application
What holds it back
- High revolving interest if balances are carried
- No rewards or cashback programme
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 TF Bank Mastercard Gold is a permanently free credit card with no foreign currency fees and an included travel insurance package, popular with budget-minded travellers.
TF Bank Mastercard Gold at a glance
| Issuer | TF Bank |
| Card network | Mastercard |
| Annual fee | No annual fee |
| Welcome bonus | Occasional new-customer promotion |
| Rewards rate | Benefit-led, no points |
| Intro APR | Not applicable |
| Regular APR | Approx. 23.81% p.a. on revolving balances |
| Foreign transaction fee | 0% on purchases worldwide |
| Credit needed | Positive SCHUFA, regular income |
| Best for | Budget travellers wanting a free card with insurance |
| Airport lounge access | No |
Rewards & benefits
- No annual fee, permanently free card
- 0% foreign currency fee on payments worldwide
- Travel insurance package included
- Free additional partner card available
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 TF 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 | TTF BankMastercard GoldNo annual fee · DE TF Bank Mastercard GoldBudget travellers wanting a free card with insurance |
None | Benefit-led, no points | Occasional new-customer promotion | 0% on purchases worldwide | Positive SCHUFA, regular income | |
| 2 | DKDeutsche Kreditbank (DKB)DKB Visa DebitkarteNo annual fee · DE DKB Visa DebitkarteTravellers with DKB active status who want a free German card with no FX fees |
None | No cashback or points (pure no-fee value) | No standing welcome bonus | 0% with DKB active status… | Positive SCHUFA, regular income | |
| 3 | HHanseatic BankGenialCardNo annual fee · DE Hanseatic Bank GenialCardCost-conscious users wanting a free travel-friendly Visa |
None | No points; flexible repayment | Frequently runs a new-customer cash bonus | 0% on purchases worldwide | Positive SCHUFA, regular income | |
| 4 | EeasybankKreditkarte formerly Barclays VisaNo annual fee · DE easybank Kreditkarte (formerly Barclays Visa)Everyday spenders wanting a free card with FX-free travel |
None | No points; flexible repayment | Regular new-customer cashback offers | 0% on purchases worldwide | Positive SCHUFA, regular income |
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