Credit cards
A credit card is a payment tool that allows you to make purchases or withdraw funds using a credit limit set by the bank. The amount used must be repaid according to the terms and conditions of the card.
What should you compare?
When comparing credit cards, pay attention to:
Credit limit
Interest rate
Interest-free period (grace period)
Annual card fee
ATM withdrawal fees
Fees for transactions abroad
Choose a card based on how you use it:
For everyday purchases, focus on the interest-free period and fees.
For travel, focus on international transaction fees and additional benefits.
For rewards and offers, focus on cashback, loyalty points, and promotions.
For financial flexibility, focus on the credit limit and repayment terms.
What should you know?
Using a credit card does not always involve interest charges. If the outstanding balance is repaid within the interest-free period specified by the bank, interest is generally not charged on eligible purchases. If the balance is not paid in full, the bank may charge interest on the outstanding amount.
The database is updated as of 02.10.2026. Final terms are set by the bank.
FAQ
Frequently asked questions
What is an interest-free period (grace period)?
It is the period during which you can repay the amount used without paying interest, subject to the terms and conditions of the card.
Is a credit card the same as a debit card?
No. A debit card uses the funds available in your bank account, while a credit card uses a credit limit made available by the bank.
Can I withdraw cash from an ATM?
Yes. However, cash withdrawals may be subject to fees and interest charges that differ from those applicable to purchases.
How is the credit limit determined?
The credit limit is determined by the bank based on its financial assessment criteria.
Should I compare only the interest rate?
No. In addition to the interest rate, it is important to compare fees, the interest-free period, and the additional benefits offered by each card.