The Volksbank Credit Card is designed for travelers who want reliable global access and valuable rewards.
It offers flexible payment options, strong travel insurance, and secure worldwide usage.
In this guide, you’ll learn about its best deals, key features, and how to apply for smooth international travel.
Key Features and Benefits
Here are the key features and benefits of the Volksbank travel credit card. These highlight what you’ll gain by using it abroad and at home.
- Worldwide Acceptance: Use the card globally where Mastercard or Visa is accepted.
- Cashless Payments & ATM Access: Make purchases and withdraw cash anywhere your card network works.
- Travel Bonus Rewards: Earn a bonus rate on travel-related expenses (e.g., a 4% travel bonus noted for the ClassicCard).
- Secure Online Shopping: Includes protections such as Mastercard Identity Check or Visa Secure for online purchases.
- Contactless & Mobile Payments: Supports tap-to-pay with your card or smartphone for convenience.
- Transaction Alerts: Receive notifications in the mobile banking app after card usage to help you monitor spending.
- Travel Insurance & Perks (on higher-tier cards): Includes additional protection and benefits designed for frequent travelers.
Types of Volksbank Credit Cards for Travel
Volksbank offers several card tiers to suit different travel needs and budgets.
Whether you’re a frequent flyer or occasional traveller, there’s a card option meant to support your trips abroad. Below are the main card types you’ll find.
- BasicCard: Entry-level card (often prepaid); good for simpler travel use and when you want a low entry cost.
- ClassicCard: Standard credit card suitable for worldwide payments and basic travel benefits.
- GoldCard: Mid-tier card with enhanced services, including travel insurance and bonus features.
- ExclusiveCard (or Platinum/High-End Tier): Premium card with high service level, travel perks, concierge service, and often higher fees.
Travel Deals and Partner Benefits
Here are some travel deals and partner benefits tied to the Volksbank travel credit cards.
These help you gain extra value when you travel abroad or book with partner services.
- Special travel discounts: Access reduced rates on flights, hotels, or car rentals through Volksbank’s partner network.
- Partner booking bonus: Earn additional rewards or points when you book via designated travel partners.
- Waived foreign transaction fees (premium tier): Some cards offer 0% foreign transaction fees as a partner-linked perk.
- Airport lounge access (exclusive cardholders): Enjoy complimentary or discounted entry to select lounges through Volksbank partnerships.
- Travel-insurance upgrades with partners: Enhanced protection or add-ons when you use partner travel services and pay with your card.
- Mobile wallet integration with partner platforms: Use linked partner services (e.g., Garmin Pay via Curve) for contactless payments and extra benefits.
Earning and Redeeming Rewards
Volksbank credit cards reward your spending with points or cashback that can be used for travel and everyday purchases.
The rewards system is flexible, letting you earn faster and redeem easily through partner programs. Here’s how it works:
- Earn Points on Every Purchase: Collect points for each euro spent, with higher earnings on travel, dining, and online bookings.
- Welcome Bonus: New cardholders may receive a one-time bonus after meeting a minimum spend requirement.
- Partner Rewards: Earn extra points or cashback when booking flights, hotels, or rentals through Volksbank’s travel partners.
- Flexible Redemption Options: Redeem points for flights, hotels, vouchers, or as a credit on your card statement.
- No Expiration (Active Account): Points stay valid as long as your account remains active and in good standing.
- Easy Online Access: Track and redeem your rewards directly through Volksbank’s online banking or mobile app.
How to Apply for Global Use
Applying for a Volksbank credit card for global use is simple and can be done online or at your local branch.
Make sure you have your ID, proof of income, and account details ready before starting. Follow these easy steps:
- Visit the Official Volksbank Site or Branch: Go to Volksbank’s official credit card section or visit your nearest branch to start your application.
- Choose Your Card Type: Select from Classic, Gold, or Platinum depending on your travel needs and benefits.
- Complete the Application Form: Enter your personal, employment, and financial information accurately.
- Provide Required Documents: Submit a valid ID, proof of income, and proof of address for verification.
- Review Terms and Conditions: Read about interest rates, annual fees, and international usage terms.
- Submit and Await Approval: Once submitted, you’ll receive an approval notification by email or phone.
- Activate Global Use: After approval, enable international transactions in the Volksbank mobile app or with customer service.
Eligibility Requirements
Before applying, make sure you meet the basic qualifications required for approval.
These requirements confirm your financial readiness and identity for international credit use. Here’s what you’ll need:
- Age Requirement: Must be at least 18 years old.
- Residency: Must have legal residence in an eligible country such as Germany, Austria, or Italy.
- Income Verification: Proof of steady income or employment is required.
- Credit Standing: A good credit history with no recent defaults improves approval chances.
- Identification: A valid passport or national ID must be presented at the time of application.
- Proof of Address: Provide utility bills or bank statements confirming your current address.
- Bank Account: Must hold or open a current account with the issuing bank for billing purposes.
Rates, Fees, and Terms
Here are some verified rates, fees, and terms for the cards offered by Volksbank Raiffeisenbanken. These are examples and vary by region and specific card.
- Annual Fee: Classic card approx. €29 per year at one branch
- Annual Fee (GoldCard): Around €84 per year for one model
- Foreign Transaction Fee: 1.9 % for some GoldCard models on payments outside the EU/EWR
- Cash Withdrawal Fee Abroad (GoldCard example): 2 % of the amount, minimum €6
- Annual Fee Range by Tier: Examples show from 30 € (Classic) up to 299 € (Exclusive), depending on tier
Mobile Banking Integration
Volksbank’s mobile banking app gives you full control over your card anytime, anywhere.
It helps you manage payments, track activity, and stay secure on the go. Here’s how it improves your travel experience:
- Real-Time Transaction Alerts: Receive instant notifications after every purchase or withdrawal.
- Balance and Spending Overview: Check your available balance, recent transactions, and monthly statements anytime.
- Card Activation and Management: Activate or deactivate your card and set spending limits through the app.
- Global Usage Settings: Turn international payments on or off for added security when traveling.
- Mobile Wallet Compatibility: Link your card with Apple Pay or Google Pay for quick, contactless payments.
- Secure Login: Protect your account using biometric authentication, such as fingerprint or Face ID.
- Expense Categorization: Automatically categorize spending to help track travel and daily expenses.
Customer Support and Contact Information
Here’s the contact information for customer support at Volksbank and its travel card services:
- Phone Support: 0251 500-500 — personal English-speaking advisors available.
- App Card Blocking/Support: The mobile app allows immediate card blocking and access to help for lost or stolen cards.
- Branch & Online Service: Use the bank’s branch locator or online portal for branch-based or digital support.
- General Address: Breite Straße 7, 25524 Itzehoe, Germany (example branch)
To Conclude
The Volksbank travel card gives you global access, reliable protection, and valuable rewards wherever you go.
With flexible payment options and exclusive partner benefits, it’s a solid choice for frequent travelers.
Apply today through Volksbank and start enjoying convenient, secure payments worldwide.
Disclaimer
This article is for informational purposes only and does not represent official financial advice.
Rates, fees, and terms may vary by region or card type—always confirm the latest details directly with Volksbank before applying.
