The Malshin Card: rates and how it works
No annual fee, 56 days interest-free, 18.9% APR representative.
| Annual fee | €0 |
|---|---|
| Purchase rate | 18.9% a year (variable) |
| Interest-free | Up to 56 days on purchases, if you pay in full |
| Cash withdrawals | 3%, at least €3, at 24.9% |
| Foreign purchases | 0.00% |
| Travel cashback | 1% on flights, trains and hotels |
| Late payment | €12 |
| Credit limit | €500 to €10,000 |
Representative example: a credit limit of €1,200 at 18.9% a year (variable) gives 18.9% APR representative.
Paying it off Your statement comes each month; the payment is taken from your current account on the due date. Pay in full to pay no interest, or at least the minimum (3% or €25, whichever is more).
Updated 25 October 2026