Advanzia Bank Mastercard Gold: Your Comprehensive Application Tutorial

Applying for the Advanzia Bank Mastercard Gold is a straightforward process that can be completed online. 

This credit card offers a range of benefits, including no annual fees, no foreign transaction fees, and a flexible repayment schedule. 


If you’re interested in getting this card, follow our guide on how to apply for the Advanzia Bank Mastercard Gold.

Why Choose Advanzia Bank Mastercard Gold

Look no further than the Advanzia Bank Mastercard Gold. Here are some compelling reasons why you should choose this card:

  • No annual fee: Saves you money in the long run.
  • Interest-free credit period: Gives you flexibility in managing your finances.
  • Travel insurance benefits: Provides comprehensive coverage for peace of mind.
  • Cashback and rewards program: Earn rewards for every purchase.

Advanzia Bank Mastercard Gold: Your Comprehensive Application Tutorial


Rewards and Cashback Program

Regarding credit card perks, the Advanzia Bank Mastercard Gold’s rewards and cashback program is a standout feature. 

Here’s a closer look at how you can make the most of this program:

  • Earning rewards: Learn how to earn rewards points for every purchase with your Advanzia Bank Mastercard Gold.
  • Redeeming rewards: Discover the various ways to redeem your reward points, from cashback to travel rewards.
  • Bonus offers: Stay updated on any special bonus offers or promotions that can help you earn even more rewards.

How to Apply for Advanzia Bank Mastercard Gold

Applying for the Advanzia Bank Mastercard Gold is simple and can be done online. Here’s a step-by-step guide to the application process:

  1. Visit the Advanzia Bank website or a partner site.
  2. Fill out the online application form with your personal and financial information.
  3. Upload any required documents, such as proof of identity or income.
  4. Submit your application for review.
  5. Wait for approval, which usually takes a few business days.
  6. Once approved, receive your Advanzia Bank Mastercard Gold in the mail and activate it.

Eligibility Criteria

You must meet specific criteria to qualify for the Advanzia Bank Mastercard Gold. Here’s what you need:

  • Be at least 18 years old
  • Have a regular source of income
  • Reside in Germany (for the German version)
  • Have a good credit history
  • Not be bankrupt or in debt management
  • Not have any existing credit cards with Advanzia Bank

Required Documents

When applying for the Advanzia Bank Mastercard Gold, you must provide certain documents to complete the process. Here’s what you’ll need:

  • Proof of identity (e.g., passport or ID card)
  • Proof of income (e.g., pay slips or tax returns)
  • Proof of address (e.g., utility bills or bank statements)
  • Bank account details for direct debit purposes
  • Additional financial information, if requested

Approval Process

Once you’ve submitted your application for the Advanzia Bank Mastercard Gold, it will undergo a thorough approval process:

  • Application review: Advanzia Bank will review your application for accuracy.
  • Credit check: A credit check will be conducted to assess your creditworthiness.
  • Approval decision: Advanzia Bank will decide based on your application and credit check.
  • Notification: You will be notified of the decision.
  • Card delivery: If approved, you will receive your card in a few business days.

Interest Rates and Fees

Understanding the interest rates and fees associated with your Advanzia Bank Mastercard Gold is essential for responsible card management. 

Here’s a breakdown of what you need to know:

  • Annual Percentage Rate (APR): The standard APR for purchases and cash advances is 20.70%.
  • Foreign transaction fee: There is no foreign transaction fee.
  • Late payment fee: The fee is €9 or 2% of the outstanding balance, whichever is higher.
  • Overlimit fee: There is no overlimit fee.
  • Cash advance fee: The fee is 3% of the transaction amount, with a minimum fee of €5.60.
  • Other fees: Other fees may include a € 9 card replacement fee € and a € 2.50 returned payment fee €.

Advanzia Bank Mastercard Gold: Your Comprehensive Application Tutorial

Using Your Advanzia Bank Mastercard Gold

Several vital aspects must be remembered when using your Advanzia Bank Mastercard Gold. 

Here’s how you can make the most of your card:

  • Activating the card: Upon receiving it, you’ll need to activate it by following the instructions.
  • Making purchases: Use your card to make purchases online or in-store, both locally and internationally.
  • Managing your account: Access your account online to view transactions, pay bills, and manage your card settings.
  • Payment options: Choose from various options, including full or minimum payment, based on your financial needs.
  • Safety and security: Protect your card and personal information by following best practices for online and offline transactions.

Safety and Security Tips 

Ensuring the safety and security of your Advanzia Bank Mastercard Gold is crucial. 

Here are some tips to help you protect your card and personal information:

  • Keep your card safe: Treat your Advanzia Bank Mastercard Gold like cash. Keep it in a secure place, and never leave it unattended.
  • Monitor your account: Regularly check your account statements and online transactions for unauthorized activity.
  • Use secure websites: When shopping online, ensure the website is safe with “https” and a padlock icon.
  • Be cautious with your information: Never share your card details, PIN, or personal information over the phone, email, or social media.
  • Set up alerts: Consider setting up transaction alerts on your account to receive notifications of suspicious activity.
  • Report lost or stolen cards immediately: If your card is lost or stolen, report it to Advanzia Bank immediately to prevent unauthorized use.

Contact Details

When you need assistance with your Advanzia Bank Mastercard Gold, help is just a call away. 

Here’s how you can contact Advanzia Bank for customer service, information, and card blocking 24/7:

  • 0800 880 1120: Free from any German landline number
  • +49 345 2197 3030: From other countries and mobile networks

You can also reach them at Joachim-Friedrich-Straße 39-40, 10711 Berlin, Germany.

Summing It Up

In conclusion, the Advanzia Bank Mastercard Gold offers a range of benefits, including no annual fee, an interest-free credit period, and a cashback program. 

Following the application process outlined in this tutorial, you can maximize the advantages of owning this card. 

Apply for your Advanzia Bank Mastercard Gold today and enjoy its many benefits!


The information provided in this tutorial is for informational purposes only and should not be construed as financial advice. 

Please consult a financial advisor or the Advanzia Bank website for specific details regarding the Advanzia Bank Mastercard Gold.