PayVIP MasterCard Gold – Free Credit Card

The payVIP  MasterCard GOLD provides lifetime free credit card with up to seven weeks interest free credit period.The card can be used worldwide without any charges at more than 1 million ATMs and over 32 million acceptance locations without foreign assignment fee. Free travel insurance, travel credit and toll-free 24 hour customer service number 0800 880 1120 are included. Your online customer portal can be accessed via the input of mein.advanzia.com on the internet.

Apply here for Free PayVIP MasterCard Gold

Features of PayVIP MasterCard Gold

• Provided by Advanzia Bank
• Free foreign usage without any transaction charges
• Upto 7 Weeks Interest free period
• Free Travel Insurance
• Read More

Price and Services

(October 2013)

Card fees
Annual fee (lifetime)	0, –
Foreign transaction fee (worldwide)	0, –
Cash withdrawal fees world at the counter / ATM	0, –
Card mailing	0, –
Card lock	0, –
Emergency replacement card	0, –
Replacement card / replacement PIN (Personal Identification Number)	0, –
Duplicate invoice	0, –
Billing	0, –
Credit interest rates / costs
Debit interest on your purchases (payment of the total bill at maturity)	0%
Debit interest on your purchases when using the partial payment option, 19.94% pa effective interest rate (variable and credit ratings) from the transaction, nominal per month	1.53%
Borrowing rate for cash withdrawals, 23.70% pa effective interest rate on the transaction date, nominal per month	1.79%
Exceeding the credit limit at the time of the monthly bill by more than 3%, but by at least EUR 50, –	4, – *

* The customer is entitled to prove that the bank no or a lesser damage

Product Description

No interest on your purchases will apply if you pay the full amount of the financial statements on or before the date specified in the invoice. Invoices are issued monthly, an amount of at least 3% of the total invoice amount (or at least 30 €) is due on 20th of each one month. Overall, there is an up to seven weeks interest free payment for your purchases.

Take advantage of the part payment option, with a monthly interest of 1.53% with effect from the date of the transaction. Cash withdrawals are free of charge worldwide, however this will bear interest from the date of payment, currently 1.79% per month, so far there is no interest-free payment ..

Free payVIP MasterCard GOLD Insurance

If you pay at least 50% of the total transportation costs with an approved transport company with the payVIP MasterCard GOLD, you get free travel insurance. You and up to 3 other fellow passengers are insured for a period from 2 to 90 days. It contains among other things a trip cancellation and travel insurance with trip interruption. The insurance is valid for the European Union residents.

The below information is intended as an overview. The detailed conditions of insurance can be found at the bottom of this page.

Insurance	Maximum sum insured
Luggage Insurance	€ 2,500
Baggage insurance, total for all travelers	€ 3,000
Delayed baggage	€ 250
Overseas Health Insurance	€ 1,000,000
Travel Accident Insurance	€ 40,000
Travel liability insurance per occurrence	€ 350,000
Rice cancellation insurance per occurrence	€ 3,000

 

• Excess: € 100
• Deductible in the home country after an accident: € 185
• No deductible for delayed baggage

Age restrictions for insurance

• From 67 years, the maximum sum insured casualty insurance, reduced
• From 70 years, the maximum duration is 21 days
• From 75 years automatically void the cancellation insurance
• From 75 years automatically void the travel medical insurance

Apply here for Free PayVIP MasterCard Gold