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What the Classic and the Premium card actually cover
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- Card options: easybank Eurowings Classic and easybank Eurowings Premium — both issued as Visa cards
- Issuer: The cards are issued by BAWAG AG, Niederlassung Deutschland, under the easybank brand. Barclays is now only relevant as historical context for the former German consumer business.
- Annual fees: Classic costs €14.50 in the first year for new customers and €29 from the second; Premium costs €49.50 in the first year and €99 from the second.
- Foreign currency fees: No fees within the Eurozone. The Premium card supports free card transactions worldwide, while the Classic card charges 1.99% on payments and withdrawals in non-euro currencies.
- 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: The Classic card covers trip cancellation and curtailment only. The Premium card adds emergency medical costs and repatriation up to €1,000,000 and a rental car collision damage waiver up to €75,000. Both policies cover trips of up to 42 consecutive days that begin and end in your home country.
- Miles & More: One award mile per €2 spent, on either card. The standard 36-month mileage validity applies — unlike the Deutsche Bank Miles & More cards, which suspend it.
- Partner cards: Up to three additional cards on either product, free in the first year, then €10 per card per year.
- Mobile app & services: Full account access via the easybank 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.
The easybank credit cards require a current account with a German bank and a Schufa credit check, so they suit expats who already have a German credit history. Without one, the TF Mastercard Gold or a debit card such as the N26 Standard Mastercard is the easier start.
Since February 2026, the former Barclays consumer credit card business in Germany has operated under the easybank brand. The active issuer and contract partner is now BAWAG AG, Niederlassung Deutschland. Cards still in Barclays design remain valid and will be replaced with easybank-branded cards by the end of 2027 at the latest.
If you are researching Barclays offers or older Barclays credit card reviews, please note that new applications are processed through easybank. The Barclays name now only refers to the former German consumer business. Always check the current easybank terms before applying, as key details may be subject to change.
About easybank and the Eurowings Credit Card Partnership
The Eurowings credit cards in Germany are now issued under the easybank brand by BAWAG AG, Niederlassung Deutschland. The product line was previously associated with Barclays in Germany, but the former Barclays German consumer business was acquired by BAWAG Group and now operates as easybank.
As part of its German credit card portfolio, easybank 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 easybank 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 easybank cards, users can repay the full monthly balance interest-free or choose to pay in installments at a standard interest rate of 21.51% 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 costs €14.50 in the first year and €29 from the second year. 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 easybank 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. The Eurowings Credit Card Premium costs €49.50 in the first year and €99 from the second 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.
Both the Classic and the Premium card allow up to three additional credit cards for family members or other people you name. According to the easybank price lists valid from 23 April 2026, partner cards are free in the first year and cost €10 per card per year from the second. They share the credit limit of the main card and earn miles into the main cardholder’s Miles & More account.
Pros & Cons of the easybank Eurowings Credit Cards
The Eurowings credit cards by easybank 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 in euros with both cards
- No foreign transaction fees worldwide with the Premium card
- 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
Disadvantages
- Domestic ATM withdrawals incur a 4% fee
- Classic card with limited insurance coverage
- Annual fee applies from the first year, although the first year is discounted for new customers
- Classic card charges 1.99% on foreign currency transactions outside the Eurozone
- 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)
- No special mileage expiry protection; standard Miles & More mileage validity rules apply
Fees, Interest & Repayment Options
Understanding the fees, interest rates, and repayment structure of the easybank 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: €14.50 in the first year for new customers, then €29 a year
- Eurowings Credit Card Premium: €49.50 in the first year for new customers, then €99 a year
Foreign currency transactions are not free with both cards. With the Classic card, payments in euros are free, but non-euro foreign currency transactions cost 1.99%. With the Premium card, foreign currency transactions are free worldwide. Cash withdrawals abroad are also free, though domestic ATM withdrawals incur a 4% fee.
Interest on Balances and Installments
easybank charges an effective Annual Interest Rate of 21.51% 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, easybank may offer new customers an instant cash advance, transferred directly to their bank account before the physical card arrives. If you use instant cash, you pay interest from the day of payout. The interest-free grace period does not apply to this service.
Repayment Options
easybank 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. “easybank Zahlplan” — Installment Plan for Individual Purchases
“easybank Zahlplan” is an additional installment payment service offered by easybank for 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. Two limits apply that the marketing rate of “from 0%” does not mention: according to the current terms the reduced rate covers individual purchases below €500 only, and it is excluded for cash withdrawals, bank transfers and transactions at casinos, lotteries, betting shops and securities trading platforms. The rate you are offered depends on how long you have been a customer, your creditworthiness and your repayment record.
Please note: easybank 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
The two policies differ in scope, not just in sums. Both are set out in the general insurance conditions that easybank publishes alongside each card: the Classic policy covers trip cancellation and curtailment and nothing else, while the Premium policy adds emergency medical costs abroad and a collision damage waiver for rental cars. The figures below come from Section A § 1 of those conditions in the version currently published, which applies to claims arising from 15 October 2023. The insurer named in the Premium conditions is Société Générale Insurance, with ISON Care as the assistance service.
For trip cancellation, curtailment and — on the Premium card — the rental car waiver, the conditions require that the service was paid for in full with the card, not merely in part. All other benefits, including the Premium card’s emergency medical cover, apply regardless of whether you used the card.
The people covered are defined in the conditions rather than counted. On both cards they are the cardholder, a spouse or the partner living in the same household, and dependent children up to their 25th birthday who can show that they receive maintenance. The payout for all insured people travelling together is capped at the same sum as for the cardholder alone, so a family claim does not multiply the cover.
The table below provides an overview of the included insurance services by card tier:
| Benefit | Eurowings Classic | Eurowings Premium |
|---|---|---|
| Trip cancellation | up to €5,000 for the cardholder, and the same sum for all insured travellers together | up to €5,000 for the cardholder, and the same sum for all insured travellers together |
| Trip curtailment | €5,000, same structure | €5,000, same structure |
| Excess on cancellation and curtailment | €100 per person; 20% of the recoverable loss, minimum €100, where illness triggers the claim | €100 per person; 20% of the recoverable loss, minimum €100, where illness triggers the claim |
| Emergency medical costs and repatriation abroad | – | up to €1,000,000, plus €100 a day for up to 10 days for a relative to travel out or for an extended stay, and up to €1,100 for a child’s homeward journey |
| Rental car collision damage waiver (CDW) | – | up to €75,000, excess €230, maximum 30 rental days |
| Travel advice and 24-hour assistance | included, with an interpreter up to €160 and help in special emergencies up to €500 | included, with an interpreter up to €160 and help in special emergencies up to €500 |
| Baggage, personal liability, purchase protection | – | – |
| Sources: easybank general insurance conditions for the Eurowings Credit Card Classic and Premium, Section A § 1, retrieved 16 September 2026, and our own product database. Help with tracing lost baggage is part of the travel support service on both cards, but neither policy insures the baggage itself, and neither contains personal liability or purchase protection cover. | ||
The Four Conditions That Decide Whether Cover Applies
Both policies attach the same four structural conditions, and each one is easy to miss at the moment you book.
- 42 consecutive days. Cover applies to a trip of no more than 42 consecutive days. If your trip runs longer, the first 42 days are covered and the remainder is not.
- The trip must begin and end in your home country. The conditions define your home country as the country of your official main residence and the country in which your easybank card was issued. A booking that starts somewhere else — a flight you join while already abroad — falls outside the policy. This is the clause most likely to catch out anyone who splits a journey home into separate tickets.
- Domestic trips need a paid overnight stay. A trip inside your home country is only insured if you booked at least one night in a hotel or other paid accommodation before departure. The rental car waiver is exempt from that rule, and the medical cover does not apply in your home country at all.
- Full payment by card for two benefits. Trip cancellation, curtailment and the Premium card’s rental car waiver require that the trip or the hire was paid for in full with the card.
Two procedural points matter as much as the sums. A hospital admission and any planned curtailment must be reported without delay, and the Premium conditions require that ISON Care approves a curtailment in advance. Every other claim has to be reported within 28 days of the loss. If you hold more than one easybank card, a claim is settled at the highest single sum — entitlements from different cards never add up, and where another policy covers the same loss, each insurer pays only its proportional share.
Miles & More — The Bonus Program Behind the Eurowings Credit Cards
The easybank 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.
The easybank Eurowings Credit Cards do not provide special Miles & More mileage expiry protection. Standard Miles & More mileage validity rules apply, meaning award miles are generally valid for 36 months. This differs from some Lufthansa Miles & More credit cards, where separate mileage expiry protection may apply under specific conditions.
Attractive Additional Services with Your Eurowings Credit Card
In addition to earning miles and accessing travel insurance, the Eurowings credit cards by easybank 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 at five major German airports; 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: in the SMART and BIZclass fares (Premium only). You have to show the card at the priority desk, otherwise the benefit is not granted.
- 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 an easybank 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 easybank 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 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 in euros and basic travel protection. The Premium card, in contrast, offers a clear upgrade with valuable extras, including worldwide free foreign currency payments, 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 easybank 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. The Premium card offers the stronger travel package, including worldwide free foreign currency transactions, while the Classic card is cheaper but charges 1.99% on non-euro currency transactions. Both cards now come with a discounted first-year annual fee rather than a €0 first year, and neither card should be presented as protecting Miles & More miles from expiry.
Frequently Asked Questions — FAQ
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, easybank 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 easybank ensures the process is seamless, regardless of your current membership status.
No. The Eurowings credit cards by easybank 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.
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.
No. Like all easybank 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.