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Barclays Eurowings Credit Cards in Germany
- Card options: Barclays Eurowings Classic and Barclays Eurowings Premium — both issued as Visa cards
- Foreign currency fees: No fees within the Eurozone. The Premium card supports free card transactions worldwide, while the Classic card charges fees on foreign payments outside the Eurozone.
- Cash withdrawals: Unlimited free cash withdrawals abroad with both cards; domestic withdrawals incur a 4% fee. €50 (or equivalent in foreign currencies) minimum per withdrawal.
- Travel insurance: Basic coverage is included with the Classic card, while the Premium card offers comprehensive insurance benefits.
- Miles & More: Earn miles on everyday spending and flights with Eurowings or Lufthansa Group airlines; miles earned with Eurowings cards are non-expiring.
- Travel Perks: Travel insurance and other travel benefits, depending on the chosen credit card.
- Mobile app & services: Full account access via the Barclays app; supports Apple Pay, Google Pay, and contactless payments.
- Ideal for: Frequent flyers, loyal Eurowings customers, and travelers collecting Miles & More rewards.
- Application requirements: German residence, valid ID and residence permit, German bank account, regular income, Schufa credit check.
About Barclays and the Eurowings Credit Card Partnership
Barclays is a globally operating British bank and credit card company with over 300 years of history. In Germany, it has established itself as one of the leading credit card providers through its Hamburg-based branch. The bank offers a wide range of Barclays Visa Credit Cards – including the free Barclays Visa, the travel-oriented Visa Gold, and the premium Platinum Double, which combines a Visa and a Mastercard with extensive insurance and travel benefits. Barclays Bank does not offer prepaid credit cards or debit cards.
As part of its German credit card portfolio, Barclays also issues the Eurowings credit cards in cooperation with the Lufthansa subsidiary Eurowings. These co-branded Visa cards are designed for frequent flyers and travelers who want to combine flexible credit usage with attractive travel perks and seamless mileage collection. The cooperation enables Eurowings customers to benefit from additional services and enhanced reward opportunities, both on the ground and in the air.
Eurowings Classic and Premium — A Quick Comparison
The Eurowings credit cards issued by Barclays are flexible revolving credit cards with a built-in credit limit and optional installment payments. Both cards can be used independently of a specific checking account — you can use them with any German bank account.
As with other Barclays cards, users can repay the full monthly balance interest-free or choose to pay in installments at a standard interest rate of 22.11% APR (Annual Percentage Rate). The interest-free period extends up to 59 days.
Both cards offer an immediate credit line upon approval, enabling you to make purchases even before receiving your physical card.
As an EU credit product, the Eurowings card adheres to European lending standards and consumer protection rules.
Eurowings Credit Card Classic
The Classic card is a low-cost entry-level option that allows users to earn Miles & More miles on everyday spending. It comes with no annual fee in the first year and a low fee thereafter. While it includes limited travel features, it still provides access to the Fast Lane at selected German airports and offers full mobile and online banking via the Barclays app. It’s ideal for casual travelers and newcomers to the Miles & More program. New customers start with 500 welcome miles.
Eurowings Credit Card Premium
The Premium version is positioned as a premium travel credit card, designed to enhance the entire flight experience. Also, the Eurowings Credit Card Premium is complimentary for the first year. With a higher welcome bonus of 3.000 miles, two annual flight vouchers, and exclusive benefits such as priority check-in and expanded Fast Lane access across Europe, this card is designed to enhance the travel experience from booking to boarding. It includes a more comprehensive insurance package and 2 free partner cards, making it suitable for both individual travelers and families.
The Eurowings Premium Credit Card includes 2 free partner cards, which can be issued to family members or non-relative users. These cards share the same credit limit as the main card and benefit from most of the associated bonus programs and insurance coverage. The Classic version does not include free partner cards; additional cards may be available upon request but incur an extra fee.
Pros & Cons of the Barclays Eurowings Credit Cards
The Eurowings credit cards by Barclays offer a combination of flexible credit usage and travel-focused benefits. While they’re a great option for loyal Eurowings or Lufthansa Group customers, they may not be suitable for everyone.
Advantages
- Earn Miles & More miles on everyday spending and flights
- Welcome bonus
- No foreign transaction fees
- No cash withdrawal fees abroad (ATM operators may incur additional fees)
- Interest-free payment period of up to 59 days
- Additional benefits, especially for premium users
- 2 free partner cards with the Premium version
- Full app control and compatibility with Apple Pay / Google Pay
- Protect miles from expiration when actively used
Disadvantages
- Domestic ATM withdrawals incur a 4% fee
- Classic card with limited insurance coverage
- Annual fee, starting with the 2nd year
- Cash withdrawal limits: min. €50 per transaction; max. €500 per day
- Bonus and perks tied to using the card for flight bookings
- Requires a German address and positive credit history (Schufa)
Fees, Interest & Repayment Options
Understanding the fees, interest rates, and repayment structure of the Barclays Eurowings credit cards is essential, especially if you’re planning to use the card regularly, withdraw cash, or carry a balance.
Annual Fee and Foreign Transaction Costs
The Classic and Premium cards charge a fixed annual fee rather than a monthly fee, making them easier to budget for.
- Eurowings Credit Card Classic: €0 in the first year, then an annual basic fee of €29
- Eurowings Credit Card Premium: €0 in the first year, then an annual basic fee of €99 annually
Foreign currency transactions are free of charge with both cards — a rare feature in the German market. Cash withdrawals abroad are also free, though domestic ATM withdrawals incur a 4% fee.
Interest on Balances and Installments
Barclays charges an effective Annual Interest Rate of 22.11% for all outstanding balances after the end of the interest-free period of up to 59 days. This rate applies equally to purchases and cash withdrawals.
As part of its onboarding process, Barclays may offer new customers an instant cash advance of up to €1,000, transferred directly to their bank account before the physical card arrives. This service is available across all Barclays credit card products, including the Eurowings cards. If you use Barclays instant cash, you pay interest from the day of payout. The interest-free grace period does not apply to this service.
Repayment Options
Barclays offers flexible repayment options, all accessible via the mobile app or online banking interface:
1. Automatic SEPA Direct Debit
- As default setting: 3% minimum monthly repayment (or €30, whichever is higher)
- Optional full repayment: You can switch to 100% repayment via SEPA. For holders of newer contracts, a €2 monthly service fee applies. Always check your account settings and terms.
2. Manual Bank Transfer
Manual payments are possible at any time and help you avoid the €2 fee linked to full SEPA debit repayment. Please ensure the payment arrives before the due date to maintain the interest-free period.
3. One-Time App Transfer
In addition to the fixed payment dates for your credit card bill, you can make one-time payments at any time in your account banking app. They give you additional flexibility without altering your regular repayment settings.
4. “Mein Zahlplan” — Installment Plan for Individual Purchases
“Mein Zahlplan” (My Payment Plan) is an additional installment payment service offered by Barclays Bank for all its credit cards, including the Eurowings cards. It is available for individual purchases starting from €95. Interest rates are typically lower than the standard APR. During special promotions, they can even be 0%. Choose the term and the monthly amount directly in the app.
This service runs separately from your main card balance, allowing parallel management and payments.
Please note: Barclays Bank only accepts repayments via SEPA Bank transfers. You cannot pay with other credit cards or digital payment services (e.g., PayPal).
Insurance, Bonus Program, Other Benefits
Below, we present the service profile of the Eurowings Visa credit cards. Both cards come with insurance benefits, although these are significantly more comprehensive with the Premium card. There are also differences in other card services. You can benefit from the Eurowings bonus program with both cards.
Insurance Coverage – Eurowings Classic vs. Premium
While the Eurowings Classic card includes only basic travel insurance, the Premium version offers comprehensive travel insurance, covering medical, cancellation, and liability risks, as well as full collision damage waiver and liability insurance for car rentals. Insurance is provided by AXA.
In most cases, insurance protection applies only if at least 50% of the trip cost or relevant purchase has been paid using the respective credit card.
Coverage generally applies to the cardholder and up to 6 accompanying people. For the Eurowings Classic card, this includes immediate family members only. With the Eurowings Premium card, coverage can also extend to non-family travel companions, provided they are included in the same booking.
The table below provides an overview of the included insurance services by card tier:
| Insurance Type | Eurowings Classic | Eurowings Premium |
|---|---|---|
| Travel Cancellation Insurance | ✔ up to €5,000/trip, €10,000/year; excess 20%, min. €100 | ✔ up to €5,000/trip, €10,000/year; excess 20%, min. €100 |
| Travel Interruption Insurance | ✔ up to €2,500/trip, €5,000/year; excess 20%, min. €100 | ✔ up to €5,000/trip, €10,000/year; 20%, excess min. €100 |
| Travel Health Insurance (Abroad) | — | ✔ unlimited coverage; excess €100 per claim |
| Baggage Insurance | — | ✔ up to €2,500/trip, €5,000/year; €100 excess |
| Full coverage rental car insurance (CDW/LDW) | — | ✔ up to €75,000; no excess if paid with the card |
| Supplementary Rental Liability Insurance | — | ✔ up to €1,000,000; no excess |
| Personal Liability Insurance (Abroad) | — | ✔ up to €1,000,000; €100 per claim |
| Online Purchase Protection Insurance | — | ✔ up to €1,000/item, €2,000/year; €50 excess |
|
Key: ✔ = Coverage Included; — = Coverage Not Included |
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Miles & More — The Bonus Program Behind the Eurowings Credit Cards
The Barclays Eurowings credit cards are integrated into Miles & More, the popular frequent flyer and loyalty program also used by Lufthansa, SWISS, Austrian Airlines, and other Star Alliance members. The program allows you to earn and redeem miles on flights, purchases, and partner offers.
Earning Miles
With every eligible purchase (e.g., card payments for goods or services, excluding cash withdrawals, gambling, or fees) you make using your Eurowings credit card, you earn Miles & More award miles:
- Standard earning rate: 1 mile for every €2 spent — applies worldwide, both online and in-store.
- Accelerated mileage opportunities: When flying with Eurowings or other Lufthansa Group airlines, you may earn additional miles depending on the fare and flight segment.
- Welcome bonus: New cardholders typically receive a one-time mileage bonus (e.g., 500 or 3,000 miles), which is credited after the first qualifying purchase within a specified period.
Redeeming Miles
You can redeem your collected miles for various attractive rewards:
- Flight rewards: Book free flights with Eurowings or any other Miles & More partner airline.
- Upgrades: Use miles to upgrade to a higher class (e.g., from Economy to Business).
- Merchandise rewards: The Miles & More shop offers a wide range of products, including electronics, luggage, gift cards, and more.
- Partner offers: Redeem miles with hotel chains, rental car companies, or in special campaigns.
Miles & More miles do not expire. As long as you hold the card and make at least one eligible transaction per month, your award miles remain valid indefinitely. Even if you cancel the card later, all previously collected miles stay valid for up to 36 additional months.
Attractive Additional Services with Your Eurowings Credit Card
In addition to earning miles and accessing travel insurance, the Eurowings credit cards by Barclays offer a set of exclusive benefits when flying with Eurowings. These perks are designed to enhance comfort, speed, and convenience, especially for frequent flyers. They include:
For Both Cards
- Fast Lane Access: With the Classic card available at 5 major German airports – Berlin (BER), Hamburg (HAM), Cologne/Bonn (CGN), Munich (MUC), and Stuttgart (STR); with the Premium card at over 20 airports across Europe
- Free Sports Baggage: 1 item of sports equipment (e.g., skis, golf gear)
For the Premium Card Only
- Priority Check-in: regardless of your fare class (Premium only)
- Flex Flight Vouchers: Receive two flight vouchers per year for Eurowings Flex fares. These vouchers allow flexible rebooking and cancellation without extra fees (Premium only)
- Seat Reservation Included: Select your seat in advance at no extra cost (Premium only)
- Free Extra Luggage for Children: When traveling with children under 12, one additional piece of checked baggage is included free of charge (Premium only)
Please note: These benefits apply only to flights with a Eurowings flight number (EW), booked via the official Eurowings website or app, and paid with your Eurowings credit card. You may be asked to present the physical card at the airport.
Application & Eligibility
You can apply for a Barclays Eurowings Visa credit card entirely online. The digital application process is fast and intuitive, guiding you step-by-step from personal details to identity verification.
To be eligible for a Eurowings credit card in Germany, applicants must meet several standard requirements:
- Minimum age: You must be at least 18 years old.
- German residency: You must have a registered address in Germany.
- Valid passport or ID: Identification is completed via VideoIdent using a national ID or passport.
- Residence permit: Non-EU applicants are required to hold a valid German residence permit, typically valid for at least six months, and a work permit, if applicable.
- Regular income: Proof of a stable monthly income is required (employees: at least 1 month of employment at their current job; freelancers: income verification, such as recent tax returns or bank statements).
- Credit check (Schufa): A neutral or positive Schufa record is typically expected.
- German mobile number: Required for verification and digital contract signing.
- German bank account: You can link any German checking account (Girokonto) for repayments; there’s no need to open a new one.
Alternatives to Barclays Eurowings Credit Cards
While the Eurowings credit cards are a strong choice for loyal Eurowings customers, several other credit cards in Germany allow you to collect miles, either directly through airline programs or indirectly via flexible bonus points.
American Express cards stand out with a particularly attractive reward program, where points can be redeemed with a wide range of airline and hotel partners. They’re available as free credit cards (e.g., Amex Blue or Payback Amex) as well as premium options, such as the American Express Gold Credit Card and the American Express Platinum Card, both offering enhanced rewards and exclusive services such as airport lounge access, concierge services, and hotel upgrades in addition to flexible reward redemption.
- Lufthansa Miles & More Blue and Gold
- Lufthansa Miles & More Blue and Gold Business
- American Express Credit Cards
- Payback Visa Card
Attractive bonus programs without miles collection features are offered, for example, by the TF Bank Mastercard Gold and the Hanseatic Bank GenialCard, which rank among the best free credit cards in Germany.
- TF Bank Mastercard Gold
- Hanseatic Bank GenialCard
We tested both the Classic and Premium versions of the Barclays Eurowings credit cards, with a focus on travel perks, user experience, and suitability for expats in Germany. Both cards offer revolving credit, flexible repayment, and seamless app-based management — all without requiring a new bank account.
The Classic card is a lightweight entry option for casual travelers who want to collect Miles & More miles while benefiting from no foreign transaction fees and basic travel protection. The Premium card, in contrast, offers a clear upgrade with valuable extras, including Flex flight vouchers, priority services at the airport, and extended insurance coverage.
In our experience, the Eurowings cards are particularly attractive for expats who fly regularly within Europe and value direct integration with the Miles & More program. The application process is smooth, the app is user-friendly, and travel benefits — when used correctly — add tangible value. If you’re looking for a way to earn airline miles while maintaining full financial flexibility, these co-branded cards are a practical and rewarding option.
Conclusion
The Barclays Eurowings credit cards are a solid choice for frequent flyers within the Lufthansa Group who want to earn Miles & More miles and enjoy tailored travel perks. With no foreign transaction fees, flexible repayment, and a well-integrated bonus program, they offer real value — especially for expats living in Germany and regularly flying with Eurowings.
Frequently Asked Questions — FAQ
Do I need a Miles & More account before applying for an Eurowings credit card?
No, you don’t need to open a Miles & More account in advance.
- If you already have one, simply enter your service card number during the application. Your miles will be credited to your existing account.
- If you don’t have one, Barclays will automatically create a Miles & More account for you during the application process. You’ll receive a new service number with your welcome documents.
So yes, a Miles & More number is required to issue the card, but Barclays ensures the process is seamless, regardless of your current membership status.
Are the Barclays Eurowings credit cards available as business cards?
No. The Eurowings credit cards by Barclays are available only to individuals. If you’re looking for mileage and reward programs tailored to business use, options like the Lufthansa Miles & More Business Cards or American Express Business Cards may be an excellent choice.
Are there any debit cards that let me collect airline miles?
Currently, no debit cards in Germany allow you to collect airline miles. However, some modern debit cards — such as the premium versions of the N26 Debit Mastercard — offer robust travel features, including insurance and lounge access, making them a suitable choice for frequent travelers.
Do the Eurowings credit cards support the Visa Cash Service?
No. Like all Barclays credit cards, the Eurowings cards do not support the Visa Cash Service. This means you cannot withdraw cash directly at retail points of sale — Barclays supports only ATM withdrawals.