·
Updated 22. June 2026
·
This content contain affiliate or advertising links. If you click and make a purchase, we may receive a commission. Your price is not affected.
Credit card overview
Extra Karte Mastercard
Extra Karte Mastercard is a Mastercard for Germany with a credit limit of up to €4,000. The annual fee is €0. Purchases can be interest-free for up to 56 days. The stated borrowing rate is 24.60%.
Card details
Representative example according to PAngV: For a credit line and net loan amount of €1,000 used in full from the first day and repaid in 12 equal monthly payments, the effective annual interest rate is 24.60%. The total amount for purchases is €1,124.28. For cash withdrawals, the total amount is €1,140.29.
The Extra Karte Mastercard is a no-annual-fee revolving credit card. It runs on the Mastercard network and is positioned as an accessible entry-level card for residents in Germany who want a straightforward credit line without paying a yearly fee. The card carries a credit limit of up to €4,000 and supports both Google Pay and Apple Pay for contactless payments.
Key Details
The Extra Karte Mastercard is a true revolving credit card, not a charge card or prepaid card. This means you can carry a balance from month to month, but interest accrues on any outstanding amount. The card is free to hold permanently, not just in the first year, though the data confirms the first year is free — consistent with a €0 annual fee.
Mastercard is widely accepted across Germany and internationally, including at most point-of-sale terminals, online merchants and ATMs. Acceptance is generally broader than American Express in Germany, making it a practical everyday card.
Fees, Interest Rates and Limits
| Feature | Detail |
|---|---|
| Annual fee | €0 (permanently free) |
| Effective annual interest rate (APR) | 24.60% |
| Interest-free period | Up to 56 days |
| Foreign currency / foreign transaction fee | 2.99% |
| Cash withdrawal fee | 3.00%, minimum €3 |
| Maximum credit limit | €4,000 |
| Repayment type | Revolving credit |
| Card network | Mastercard |
| Invoice fee | €0 |
| Reminder fee | €4.00 |
| Late payment fee | €10.00 |
| Overdraft fee | €3.00 |
| Minimum age | 18 years |
| Minimum annual income | None stated |
| Payment defaults allowed | No |
| Free additional card | No |
| Google Pay | Yes |
| Apple Pay | Yes |
| Samsung Pay | No |
Representative Example
According to the statutory representative example (PAngV): For a credit line and net loan amount of €1,000 used in full from the first day and repaid in 12 equal monthly payments, the effective annual interest rate is 24.60%. The total amount for purchases is €1,124.28. For cash withdrawals, the total amount is €1,140.29.
This example illustrates that carrying a balance on this card is expensive. The 24.60% APR is notably high compared to some competing products. Paying the full balance each month is the only way to avoid interest charges entirely.
Interest Rate in Context
An effective annual interest rate of 24.60% places this card at the higher end of the German revolving credit card market. Many free credit cards in Germany carry interest rates in the 12%–20% range, so borrowers who regularly carry a balance should compare carefully before applying.
The 56-day interest-free period applies when you pay your full statement balance by the due date each month. If you pay in full consistently, the interest rate becomes irrelevant for purchase transactions. However, cash withdrawals typically begin accruing interest immediately — this is standard practice across most German credit cards and is worth noting for cardholders who plan to use ATMs.
Foreign Currency Use and Travel
The Extra Karte Mastercard charges a foreign currency fee of 2.99% on transactions made in non-euro currencies. This applies to purchases abroad and to online transactions billed in a foreign currency. For occasional international use, this fee is manageable, but frequent travellers should be aware that it adds up.
If you travel regularly and want to minimise currency conversion costs, a dedicated travel credit card in Germany with zero foreign transaction fees may be a better fit. Several options on the German market offer this feature at no annual fee.
Mastercard’s international acceptance is strong, covering most countries and currencies. The card can be used at ATMs worldwide, though the 3.00% cash withdrawal fee (minimum €3) applies regardless of location.
Cash Withdrawals
Withdrawing cash with the Extra Karte Mastercard costs 3.00% of the amount withdrawn, with a minimum charge of €3. On a €100 withdrawal, that is €3. On a €200 withdrawal, that is €6. These fees are charged per transaction.
As noted above, interest on cash withdrawals typically begins accruing from the date of the transaction rather than from the statement date. The representative example confirms a slightly higher total repayment amount for cash withdrawals (€1,140.29) compared to purchases (€1,124.28) on a €1,000 balance repaid over 12 months. This reflects the immediate interest accrual on cash advances.
Digital Payments and Mobile Wallets
The card supports Google Pay and Apple Pay. This allows contactless payments via smartphone or smartwatch at any NFC-enabled terminal in Germany and abroad. Samsung Pay is not supported.
Contactless payments via mobile wallet are increasingly standard in Germany. Most supermarkets, pharmacies, petrol stations and retail chains now accept NFC payments. The absence of Samsung Pay is a limitation only for Samsung device users who rely on that specific wallet.
Eligibility and Application
The minimum age to apply is 18 years. No minimum annual income is stated in the provided card information. However, payment defaults are not permitted, meaning applicants with a negative SCHUFA record — such as outstanding defaults, insolvencies or court judgements — are unlikely to be approved.
In Germany, most credit card issuers perform a SCHUFA check as part of the application process. A clean SCHUFA record is generally required for revolving credit products. If you are new to Germany or have a limited credit history, understanding how to apply for a credit card in Germany and what documentation is typically required can help you prepare.
The actual credit limit granted will depend on the issuer’s assessment of your creditworthiness. The stated maximum is €4,000, but individual limits may be lower based on income, existing liabilities and credit history.
Repayment Structure
The Extra Karte Mastercard operates as a revolving credit card. Each month, you receive a statement showing your balance. You can choose to pay the full amount, a minimum payment or any amount in between. Paying less than the full balance means interest accrues on the remaining amount at the 24.60% APR.
There is no invoice fee, meaning you are not charged for receiving your statement. Late payment incurs a €10 fee. A reminder fee of €4 applies if a payment reminder is issued. An overdraft fee of €3 applies if you exceed your credit limit.
To avoid all interest and penalty fees, the simplest approach is to pay the full statement balance before the due date each month. This makes the card effectively free to use for purchases, given the €0 annual fee.
Additional Cardholder
The Extra Karte Mastercard does not include a free additional card. If you need a supplementary card for a partner or family member, this product does not offer that option at no cost. Whether a paid additional card is available is not stated in the provided card information.
Rewards and Benefits
No rewards programme, cashback scheme, travel insurance, purchase protection or other benefits are stated in the provided card information. If you are looking for a card that earns points or cash back, a cashback credit card in Germany may be more suitable.
Pros and Cons
| Pros | Cons |
|---|---|
| No annual fee | High APR of 24.60% |
| Up to 56 interest-free days on purchases | Foreign currency fee of 2.99% |
| Supports Google Pay and Apple Pay | Cash withdrawal fee of 3.00% (min. €3) |
| Mastercard network — wide acceptance | No free additional card |
| Credit limit up to €4,000 | No rewards or cashback stated |
| No invoice fee | Payment defaults not accepted — requires clean SCHUFA |
| No minimum income requirement stated | Samsung Pay not supported |
Who This Card May Suit
The Extra Karte Mastercard is likely to appeal to individuals in Germany who want a no-fee Mastercard with a moderate credit limit and the flexibility of revolving credit. It may suit people who pay their balance in full each month and want to avoid annual fees while still having access to a recognised card network.
It is less suitable for frequent travellers due to the 2.99% foreign currency fee, for those who need cash advances regularly due to the withdrawal costs, or for anyone who carries a balance month to month given the 24.60% interest rate.
Applicants must have a clean credit history. Those with past payment defaults will not qualify. Residents who are new to Germany and building their credit profile may find it worth reviewing the broader range of credit cards in Germany before deciding.
Things to Check Before Applying
Several details are not stated in the provided card information, including the minimum monthly repayment amount, whether a physical card is issued alongside digital wallet access, the exact application process and required documents, and whether a paid supplementary card is available.
Interest rates and fees are subject to change. Always review the current terms and conditions directly with the issuer before submitting an application. The representative example above is based on the rates stated at the time this information was provided and may not reflect future changes.