| Costs | Annual fee | -
•
Permanently €0 = full points
-
•
€0 in year 1, then < €50 = 13 points
-
•
€0 with spending condition = 11 points
-
•
< €50/year = 8 points
-
•
< €100/year = 4 points
-
•
≥ €100/year = 0 points
| 16 |
| Partner card / additional card | -
•
Included free of charge = full points
-
•
< €25/year = 2 points
-
•
≥ €25/year = 0 points
| 3 |
| Cash withdrawals | Cash in the eurozone | -
•
Free everywhere = full points
-
•
Free with limit = 6 points
-
•
< 2% fee = 3 points
-
•
≥ 2% fee = 0 points
| 8 |
| Cash worldwide (foreign currency) | -
•
0% fee = full points
-
•
< 1.5% fee = 5 points
-
•
< 2% fee = 3 points
-
•
≥ 2% fee = 0 points
| 7 |
| Payments | Foreign currency fee | -
•
0% = full points
-
•
≤ 1% = 7 points
-
•
≤ 1.75% = 4 points
-
•
> 1.75% = 0 points
| 10 |
| Contactless payment (NFC) | -
•
Yes = 2 points
-
•
No = 0 points
| 2 |
| Apple Pay & Google Pay | -
•
Both = full points
-
•
Only one = 1 point
-
•
None = 0 points
| 3 |
| Rewards programme | Cashback / points / miles | -
•
≥ 1% cashback equivalent = full points
-
•
≥ 0.5% = 6 points
-
•
> 0% = 3 points
-
•
No programme = 0 points
| 10 |
| Welcome bonus | -
•
≥ €100 value = full points
-
•
≥ €50 value = 2 points
-
•
< €50 or none = 0 points
| 4 |
| Insurance | Trip cancellation insurance | -
•
Included without excess = full points
-
•
Included with excess = 3 points
-
•
Not included = 0 points
| 5 |
| Travel health insurance | -
•
Included = full points
-
•
Not included = 0 points
| 5 |
| Rental car insurance | -
•
CDW/comprehensive cover included = 3 points
-
•
Partial cover = 1 point
-
•
Not included = 0 points
| 3 |
| Purchase protection / extended warranty | -
•
Both included = 2 points
-
•
One of them = 1 point
-
•
Not included = 0 points
| 2 |
| Extras & benefits | Lounge access (Priority Pass or similar) | -
•
Unlimited, included = full points
-
•
Limited visits = 3 points
-
•
Not included = 0 points
| 5 |
| Concierge service | -
•
Available 24/7 = 2 points
-
•
Restricted = 1 point
-
•
Not available = 0 points
| 2 |
| Shopping benefits | -
•
Discounts with partners = 1 point
-
•
None = 0 points
| 1 |
| Card type & acceptance | Card network | -
•
Visa/Mastercard = full points
-
•
American Express = 3 points
| 5 |
| Card type | -
•
Genuine credit card (revolving) = full points
-
•
Charge card = 2 points
-
•
Debit card = 1 point
| 3 |
| Customer service | 24/7 card blocking hotline | -
•
Yes, free = 2 points
-
•
Yes, for a fee = 1 point
-
•
No = 0 points
| 2 |
| App for card management | -
•
Well rated (≥ 4 stars) = 2 points
-
•
Available (< 4 stars) = 1 point
-
•
No app = 0 points
| 2 |
| Payment in instalments possible | -
•
Yes, flexible = 2 points
-
•
Yes, restricted = 1 point
-
•
No = 0 points
| 2 |
