Targobank premium card
The premium card from Targobank is a credit card offer tailored for frequent travelers and people who travel frequently for business. For a basic fee of 88.00 euros, you get, for example, comprehensive travel insurance and attractive discounts. In addition, you get bonus points for every transaction made with the card. This can be exchanged for flights, hotel accommodation or rental cars, for example.
If you also use a current account with Targobank, you can withdraw cash worldwide free of charge at all ATMs with the VISA logo – as long as at least 600.00 euros are deposited in the account each month. If you do not use a current account with Targobank, you will pay 3.50% (min. 5.95) for cash withdrawals. In branches of Targobank you can do this free of charge.
Advantages
- Lucrative bonus program, u.a. redeemable for flights, hotels, rental cars or package tours – wherever and whenever you want
- Assistance services: Assistance before and during a trip
- Large insurance package, z.B. International travel health insurance, flight delay/cancellation insurance or travel cancellation/trip interruption insurance
- Free cash withdrawals when holding a Targobank current account
- Discounts with various partners, e.g.B. Up to 15% off at Sixt or up to 30% off at HRS
- SMS service for account movements
Disadvantages
- Expensive fees for cash when not using a checking account with Targobank
- High basic fees: 88€ for the main card, 44€ for a partner card
Conclusion: Targobank Premium card with premium benefits
The conclusion to the premium card of the Targobank turns out positively. Although the basic fee of 88.00 euros is relatively high, the credit card can show off with its wide range of benefits. In addition to the all-round travel insurance, the bonus program is also a thoroughly attractive incentive. Overall, the Premium card is an interesting product, especially for frequent travelers.
On the other hand, if you are looking for a credit card for occasional use and can do without additional insurances, you will be better off with other suppliers.
Overview of fees
| Basic fees | |
| Basic fee 1. Year | 88,00 € |
| Basic fee 2. Year | 88,00 € |
| Basic fee partner card 1. Year | 44,00 € |
| Basic fee partner card 2. Year | 44,00 € |
| fees for card use | |
| Cash at home | 0.00% at Targobank ATMs, otherwise 3.50% (min. 5,95 €) |
| Cash in EURO foreign countries | 3.50 % (min. 5,95 €) |
| Cash in foreign currencies (z.B. USA) | 3,50 % (min. 5,95 €) plus. 1.65 % Foreign transaction fee plus. 2.00 % rate surcharge |
| Cashless payment in the euro zone | 0,00 % |
| Cashless payments outside the euro zone | 1.65 % plus. 2,00 % exchange rate surcharge |
| Interest | |
| Interest for credit balances | 0,10 % |
| Debit interest for partial payment | 14,19 % |