Volksbank Raiffeisenbank Gold Card: Step-by-Step Online Application Guide

This guide simplifies the application process for those seeking the Volksbank Raiffeisenbank Gold Card, ensuring a seamless experience.

This guide simplifies the application process, ensuring a seamless experience for those seeking to elevate their banking.


Step 1: Preparing for the Application

Gather the required documents before applying for the Volksbank Raiffeisenbank Gold Card and ensure eligibility. Here’s what you’ll need:

  • Gather personal identification documents (e.g., passport, ID card).
  • Collect proof of income (e.g., recent pay stubs, tax returns).
  • Ensure you meet the minimum age and income requirements.
  • Familiarize yourself with the bank’s credit criteria and policies.

Volksbank Raiffeisenbank Gold Card: Step-by-Step Online Application Guide

Step 2: Accessing the Online Application

To start your application for the Volksbank Raiffeisenbank Gold Card, follow these steps to access the online application form:

  • Visit the official Volksbank Raiffeisenbank website.
  • Navigate to the Gold Card section or application page.
  • Look for the “Apply Now” or “Online Application” button/link.
  • Create an account or log in to your existing account.
  • Fill out the application form with your personal and financial details.
  • Review the information for accuracy before submitting.

Step 3: Filling Out the Application Form

Once you’ve accessed the online application for the Volksbank Raiffeisenbank Gold Card, follow these steps to complete the form:

  • Enter your personal information, including name, address, and contact details.
  • Provide details about your employment status and income.
  • Select the features and options you prefer for your Gold Card.
  • Review the form carefully to ensure all information is accurate.
  • Submit the completed application form for processing.

Step 4: Uploading Documents

After filling out the application form for the Volksbank Raiffeisenbank Gold Card, you’ll need to upload the following documents to support your application:

  • Scan and upload a copy of your identification document (e.g., passport, ID card).
  • Provide proof of income (e.g., recent pay stubs, tax returns).
  • Ensure the documents meet the specified requirements for clarity and format.
  • Double-check that all required documents are uploaded before submitting your application.

Step 5: Reviewing and Submitting the Application

Before finalizing your application for the Volksbank Raiffeisenbank Gold Card, carefully review the information you’ve provided and follow these steps:

  • Double-check all personal and financial information for accuracy.
  • Ensure you have uploaded all required documents.
  • Confirm your understanding and acceptance of the terms and conditions.
  • Submit your application for processing.
  • Wait for confirmation of receipt and further instructions from the bank.

Step 6: Waiting for Approval

After submitting your application for the Volksbank Raiffeisenbank Gold Card, the approval process begins. Here’s what to expect:

  • The bank will review your application and documents.
  • The processing time varies but typically takes a few business days.
  • You may be contacted for additional information or clarification.
  • Once approved, you’ll receive notification and further instructions.
  • If declined, the bank will provide reasons and possible next steps.

Volksbank Raiffeisenbank Gold Card: Step-by-Step Online Application Guide

Tips for Improving Your Credit Score Before Applying

A higher credit score can increase your chances of approval and better terms for the Volksbank Raiffeisenbank Gold Card. 

Consider these tips to improve your credit score before applying:

  • Check Your Credit Report: Review your report for errors and dispute inaccuracies.
  • Pay Your Bills on Time: Timely payments can significantly improve your credit score.
  • Reduce Credit Card Balances: Lowering your credit card balances can improve your credit utilization ratio.
  • Limit New Credit Applications: Multiple credit applications can negatively impact your credit score.
  • Keep Old Accounts Open: Closing old accounts can reduce the length of your credit history.
  • Consider a Secured Credit Card: A secured credit card can help build or rebuild your credit history.
  • Manage Your Debt-to-Income Ratio: Keep your debt levels manageable with your income.

Benefits of Volksbank Raiffeisenbank Gold Card

The Volksbank Raiffeisenbank Gold Card offers various benefits catering to diverse financial needs and lifestyles. Here are some key advantages:

  • Higher Spending Limits: Enjoy higher limits for larger purchases or unexpected expenses.
  • Travel Benefits: Access exclusive perks like travel insurance and airport lounge access.
  • Reward Points: Earn points for purchases, redeemable for cashback, travel, or merchandise.
  • Security Features: Enjoy enhanced security and zero liability for unauthorized transactions.
  • Concierge Services: Get assistance with travel bookings and reservations.
  • Purchase Protection: Covers purchases against damage, theft, or loss for a certain period.
  • Flexible Repayment Options: Pay your balance in whole or in installments.
  • Additional Card Benefits: Add supplementary cards for family members.
  • Exclusive Offers: Access exclusive discounts and promotions from partner merchants.
  • Cash Advances: Withdraw cash from ATMs using your card.

Interest Rates and Fees

Understanding the interest rates and fees associated with your credit card is essential for managing your finances effectively. 

Here are the key rates and fees for the Volksbank Raiffeisenbank Gold Card:

  • Annual Fee: €100
  • Interest Rate: 15% APR on purchases and cash advances
  • Foreign Transaction Fee: 2% of the transaction amount in euros
  • Late Payment Fee: €25 or 5% of the minimum payment due, whichever is higher
  • Overlimit Fee: €20 if your balance exceeds your credit limit
  • Cash Advance Fee: 3% of the transaction amount or €5, whichever is higher
  • Returned Payment Fee: €20 for returned or declined payments
  • Additional Card Fee: €30 per additional card per year
  • Replacement Card Fee: €10 for each replacement card
  • Statement Copy Fee: €5 per copy of a monthly statement
  • Card Renewal Fee: €50 for card renewal every three years
  • Balance Transfer Fee: 2% of the amount transferred
  • Minimum Interest Charge: €1.50 if interest is due
  • Payment Protection Insurance: Optional insurance for a fee, covering minimum payments in case of certain events (e.g., job loss, disability)
  • Cash Advance APR: 18% APR on cash advances

Customer Support

For assistance with your Volksbank Raiffeisenbank Gold Card application, contact us at the following:

  • Telephone Number: 030 3063-3300
  • Address: Volksbank Raiffeisenbank Nürnberg eG, Königstraße branch, Königstraße 5, 90402 Nuremberg

Alternatively, you can use their contact form to write an inquiry.

To Conclude

In conclusion, applying for the Volksbank Raiffeisenbank Gold Card can be straightforward with the right guidance. 

By following the steps outlined in this guide, you can easily navigate the application process and look forward to enjoying the benefits of this prestigious card. 

Take the first step towards financial flexibility and exclusive perks by applying for your Volksbank Raiffeisenbank Gold Card today!


The information provided in this guide is for informational purposes only and should not be considered financial advice. 

Please consult with a financial advisor or representative from Volksbank Raiffeisenbank for personalized guidance regarding your specific financial situation.