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Updated 22. June 2026
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Credit card overview
FLORIN+ Mastercard
FLORIN+ 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 49 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 FLORIN+ Mastercard is a no-annual-fee revolving credit card aimed at residents in Germany who want a straightforward Mastercard with digital wallet support and a defined credit line. It carries no annual fee, no late payment fee and no reminder fee, which keeps the cost of holding the card low. The main cost to watch is the interest rate, which is relatively high if you carry a balance.
Key Details
The FLORIN+ Mastercard is a true revolving credit card, not a charge card or prepaid card. That means you can spread purchases over time, but interest accrues on any unpaid balance after the interest-free period ends. The card runs on the Mastercard network, which is widely accepted across Germany, Europe and internationally.
The card supports Google Pay and Apple Pay, making it usable with most modern smartphones for contactless payments. Samsung Pay is not supported. A physical card is issued, and digital wallet setup is available from the start.
Fees, Interest Rates and Limits
| Detail | Amount / Terms |
|---|---|
| Annual fee | €0 (permanently free) |
| Effective annual interest rate (APR) | 24.60% |
| Interest-free period | Up to 49 days |
| Foreign currency / foreign transaction fee | 2.99% |
| Cash withdrawal fee | 3.00%, minimum €3 |
| Maximum credit limit | €4,000 |
| Invoice / statement fee | €0 |
| Late payment fee | €0 |
| Reminder fee | €0 |
| Overdraft fee | €0 |
| Additional card (free) | Not available |
| Card network | Mastercard |
| Repayment type | Revolving credit |
| Google Pay / Apple Pay / Samsung Pay | Google Pay: Yes | Apple Pay: Yes | Samsung Pay: No |
| Minimum age | 18 years |
| Minimum annual income | €6,000 |
| Payment defaults allowed | No |
Interest Rate and Representative Example
The effective annual interest rate is 24.60% for both purchases and cash withdrawals. This is a fixed rate based on the provided card information, though card terms can change over time and applicants should verify the current rate before applying.
The representative example provided under the German Price Indication Ordinance (PAngV) illustrates the cost clearly. For a fully drawn credit line of €1,000 repaid in 12 equal monthly instalments, the total repayment amount is €1,124.28 for purchases and €1,140.29 for cash withdrawals. The difference reflects that cash withdrawals typically begin accruing interest immediately, without an interest-free period.
At 24.60% APR, this card is not designed for long-term borrowing. Cardholders who pay their balance in full each month within the interest-free period will avoid interest charges entirely.
Interest-Free Period
The FLORIN+ Mastercard offers up to 49 interest-free days on purchases. This applies when the full outstanding balance is paid by the due date on each statement. If only a partial payment is made, interest is charged on the remaining balance from the transaction date.
The 49-day window is on the longer side compared to many German revolving credit cards, which typically offer 30 to 45 days. This gives cardholders more time to settle their balance without incurring interest, provided they manage repayments carefully.
Fees in Detail
Annual Fee
There is no annual fee. The card is permanently free to hold, not just free for the first year. Among free credit cards in Germany, this is a standard feature, but it is worth confirming because some cards revert to a fee after an introductory period. That is not the case here based on the provided information.
Foreign Transaction Fee
A foreign currency fee of 2.99% applies to transactions made in currencies other than euros. This includes online purchases billed in foreign currencies, not just physical transactions abroad. For frequent travellers or regular cross-border shoppers, this fee adds up. Anyone looking for a travel credit card in Germany with no foreign transaction fee should compare this card against alternatives before deciding.
Cash Withdrawal Fee
Cash withdrawals cost 3.00% of the amount withdrawn, with a minimum charge of €3. A €100 withdrawal costs €3; a €200 withdrawal costs €6. Interest on cash withdrawals also begins accruing immediately, without the benefit of the interest-free period that applies to purchases. Using this card for regular ATM withdrawals is therefore expensive.
Other Fees
There are no fees for paper statements, late payments, payment reminders or overdrafts. These zero-fee features reduce the risk of unexpected charges for cardholders who occasionally miss a payment deadline or exceed their limit slightly.
Credit Limit
The maximum credit limit is €4,000. The actual limit assigned to an individual applicant will depend on their creditworthiness, income and SCHUFA score. The minimum credit limit is not stated in the provided card information.
In Germany, credit limits on entry-level and mid-range revolving credit cards typically range from a few hundred euros to several thousand. A €4,000 ceiling is moderate and suitable for everyday spending, but may be limiting for larger purchases or business use.
Eligibility and Application
Basic Requirements
To apply for the FLORIN+ Mastercard, applicants must meet the following minimum criteria based on the provided card information:
- Minimum age: 18 years
- Minimum annual income: €6,000 (approximately €500 per month)
- No payment defaults on record
The €6,000 annual income threshold is relatively low, which makes the card accessible to part-time workers, students with income, and those in early employment. However, the prohibition on payment defaults means a clean credit history is required. In Germany, this typically means no negative SCHUFA entries related to unpaid debts or court orders.
SCHUFA and Creditworthiness
German credit card issuers routinely check the SCHUFA database as part of the application process. A SCHUFA inquiry is made, and a negative entry — such as a recorded payment default — will generally result in a declined application for this card. Applicants with no SCHUFA history, such as recent arrivals in Germany, may also face difficulties. For guidance on how to apply for a credit card in Germany, including what documents and conditions are typically required, it is worth reviewing the process before submitting an application.
Residency and Account Requirements
Residency requirements and whether a German bank account is needed are not stated in the provided card information. Applicants should confirm these details directly with the card issuer before applying.
Repayment
The FLORIN+ Mastercard is a revolving credit card. Each month, cardholders receive a statement showing the outstanding balance. They can choose to pay the full balance, a minimum payment or any amount in between. Paying less than the full balance means interest accrues on the remainder at 24.60% APR.
The minimum repayment amount is not stated in the provided card information. Cardholders should check this before applying, as minimum repayment rules affect how quickly a balance is paid down and how much total interest is paid over time.
Paying the full balance each month is the most cost-effective approach with this card. Given the high interest rate, carrying a balance over several months significantly increases the total cost of purchases.
Digital Payments and Mobile Wallets
The FLORIN+ Mastercard works with Google Pay and Apple Pay. Both allow contactless payments via smartphone or smartwatch without needing the physical card. Samsung Pay is not supported.
Contactless payments via mobile wallet are increasingly standard in Germany, where NFC-based payments at point of sale are widely accepted. The card can also be used for online purchases wherever Mastercard is accepted.
Mastercard Acceptance in Germany
Mastercard is one of the two dominant card networks in Germany alongside Visa. It is accepted at the vast majority of card-accepting merchants in Germany and internationally. Some smaller German businesses, particularly in rural areas or traditional sectors, still prefer cash or girocard (EC-Karte), so carrying cash remains advisable in Germany.
Outside Germany, Mastercard acceptance is broad across Europe, North America, Asia and most other regions. The 2.99% foreign currency fee applies whenever a transaction is processed in a non-euro currency.
Pros and Cons
| Pros | Cons |
|---|---|
| No annual fee | High APR of 24.60% |
| No late payment fee | 2.99% foreign currency fee |
| No reminder fee | Cash withdrawal fee of 3%, minimum €3 |
| Up to 49 interest-free days | No Samsung Pay support |
| Google Pay and Apple Pay supported | No free additional card |
| Low income threshold (€6,000/year) | Maximum credit limit capped at €4,000 |
| Mastercard network with wide acceptance | Payment defaults not accepted — clean SCHUFA required |
Who This Card May Suit
The FLORIN+ Mastercard is likely to appeal to people in Germany who want a no-fee Mastercard for everyday domestic spending and pay their balance in full each month. The zero-fee structure and low income requirement make it accessible to a broad range of applicants, including those in part-time work or early in their careers.
It is less suitable for people who regularly travel outside the eurozone, given the 2.99% foreign currency fee. It is also not well suited to those who need to carry a balance, as the 24.60% APR makes revolving debt expensive over time.
Applicants with a negative SCHUFA record or no credit history in Germany are unlikely to be approved. Those in that situation may want to consider a prepaid credit card in Germany as an alternative that does not require a credit check.
Things to Check Before Applying
Several details are not stated in the provided card information and should be confirmed directly with the issuer before applying:
- Minimum monthly or minimum repayment amount
- Whether a German bank account or German residency is required
- The minimum credit limit assigned to new applicants
- Whether the card is issued as a physical card only or also as a virtual card
- Any rewards, cashback or loyalty programme linked to the card
- Insurance or purchase protection benefits, if any
Card terms, interest rates and fees are subject to change. The figures stated here reflect the card information provided at the time of writing.