New Austrian Miles & More Credit Cards from Erste Bank and Sparkasse
Your benefits
Welcome Bonus of 3,000 miles with the Austrian Miles & More Premiumcard¹
Reimbursement of foreign currency charges⁸
Mobile payment via Apple Pay or Google Pay with all credit cards
Worldwide lounge access with Priority PassTM in 1,800+ lounges plus fast track at Vienna Airport⁵,⁶
Unlimited mileage protection³
Exchange miles for Points and Qualifying Points⁴
As of 29.12.2025, the new Austrian Miles & More Credit Cards from Erste Bank and Sparkasse come with even more convenient features. Benefit from additional extras like mobile payment, cashback on foreign currency transactions and all the other advantages that each card brings - and earn miles wherever you go for unforgettable moments.
It works like this
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| Benefits | Austrian Miles & More Premiumcard |
Austrian Miles & More Business Premiumcard | Austrian Miles & More Business Smartcard |
|---|---|---|---|
| Welcome Bonus1 |
3,000 miles | - | - |
| Earn miles on credit card transactions2 | 1 mile for every EUR 1.50 spent | 1 mile for every EUR 1 spent | 1 mile for every EUR 2 spent |
| Miles for transactions on austrian.com2 | 1 mile for every EUR 1 spent | - | - |
| Mileage protection3 | Yes | Yes | Yes |
| Exchange miles for Points and Qualifying Points4 | Yes (up to 25,000 miles/year) | Yes (up to 25,000 miles/year) | - |
| Priority PassTM - access to 1,800+ lounges worldwide5 | Free access 4 times a year | Free access 8 times a year | - |
| Fast track at Vienna Airport6 | 4 times a year | 8 times a year | - |
| Mobile payment | Apple Pay & Google Pay | Apple Pay & Google Pay | Apple Pay & Google Pay |
| Digital credit card7 | Available immediately | Available immediately | Available immediately |
| Physical card7 | Delivery within 3 working days | Delivery within 3 working days | Delivery within 3 working days |
| Foreign currency transactions8 |
Reimbursement up to 6 times a year | Automatic reimbursement of all foreign currency charges | Automatic reimbursement of all foreign currency charges |
| Split Now9 | 6 times a year | - | - |
| Insurance10 | Premium travel insurance | Premium travel insurance, incl. cancellation cover for up to 3 business trips | - |
| Special car rental conditions11 | - | Hertz, Avis and Rentalcars.com | Hertz, Avis and Rentalcars.com |
| Business Class check-in with Austrian Airlines (VIE)12 | Yes | Yes | - |
| 10% off Austrian Melangerie (buy on board)13 | Yes | Yes | - |
| Monthly fee for main card | EUR 19.80/month | EUR 19.80/month | EUR 7.50/month |
| Monthly fee for additional card | EUR 19.80/month | - | - |
| Card fee for Senators | 25% off | 25% off | 25% off |
| Card fee for HON Circle Members | Free | Free | Free |
| Settle your annual fee with miles14 | Yes | Yes | Yes |
Find answers to frequently asked questions about switching credit cards, applications and other important topics in our credit card FAQs.
Welcome Bonus
The Welcome Bonus for the Austrian Miles & More Premiumcard will be credited automatically to your Miles & More account; this takes at least three months from when the card is issued. The standard offer for the Austrian Miles & More Premiumcard includes 3,000 miles and is only valid on the first card issued to new customers.
Terms and conditions for earning miles
- Miles earned on transactions using your Austrian Miles & More Premiumcard, Business Premiumcard or Business Smartcard will be credited automatically to your Miles & More account.
- No miles will be credited for the following, as these do not qualify for earning miles: reimbursements, disputed or fraudulent transactions, cash withdrawals (incl. from cash machines), gambling, casino and betting transactions, crypto transactions, financial services, quasi-cash transactions (e.g. money transfers, wallet top-ups, payments to securities traders), balance transfers from other cards, money transfers between payment accounts, payments to authorities or public or municipal organisations, as well as all card fees, charges, expenses, interest, debit and default interest and reminder fees.
Mileage protection
For holders of a personal or business Austrian Miles & More Credit Card, miles earned have unlimited validity, provided
- the credit card was issued at least 3 months ago and
- at least one qualifying transaction has been performed per month.
If the credit card is cancelled, the miles become subject to mileage expiry in accordance with the Miles & More terms and conditions of participation. Miles that holders have previously earned with an Austrian Miles & More Credit Card from card complete remain protected. Mileage protection is valid as part of a transition period until 30.6.2026.
Exchanging miles for Points and Qualifying Points
Between 5,000 and 25,000 miles can be exchanged for Points and Qualifying Points once per calendar year. Click here for further information.
Priority PassTM - access to 1,800+ lounges worldwide
- Free access 4 times a year for holders of an Austrian Miles & More Premiumcard
- Free access 8 times a year for holders of an Austrian Miles & More Business Premiumcard. Guests are not included and can gain access for a fee.
Fast track at Vienna Airport
- 4 times a year for free with an Austrian Miles & More Premiumcard
- 8 times a year for free with an Austrian Miles & More Business Premiumcard
Onboarding, card application and cards
To apply for the credit card, you first need to complete the onboarding process in the George app. For this, you need to enter your personal details and set up a profile in the app. Once your onboarding process is done, you’ll have completed registration. You’ll then be able to apply for your new card directly in the George app.
Once you’ve completed the onboarding process in the George app, you can easily apply for an Austrian Miles & More Premiumcard, Business Premiumcard or Business Smartcard in the George app. As soon as your card application has been approved, your digital credit card will be available for use in the app.
The physical card (plastic card or metal card for HON Circle Members) will be delivered by post within three working days.
All credit card applications, whether online or in-branch, require proof of income from the last three months. Proof of income must be sent to the customer advisors at Erste Bank and Sparkasse by secure means via “sKontact” in the George app or George online banking.
If you already have an Austrian Miles & More Credit Card issued by card complete, you must upload one of your last three monthly statements (October to December 2025) during the application process to confirm your current credit card limit.
Foreign currency transactions
- Austrian Miles & More Business Premiumcard: automatic reimbursement of all foreign currency charges
- Austrian Miles & More Premiumcard (personal customers): reimbursement of foreign currency charges for up to six selected transactions per year
Split Now
With Split Now, credit card payments of between EUR 50 and EUR 4,800 can be spread over several monthly statements. Additional fees may apply for using the feature.
Insurance
The insurance cover begins automatically upon ordering the card and remains in place until the card is cancelled, regardless of card use. For travel cancellation insurance, you must have applied for the card at least 30 days before making a claim.
Premium travel insurance
As the holder of an Austrian Miles & More Premiumcard or Business Premiumcard, you and any family members (who live in the same household) travelling with you can benefit from comprehensive insurance with worldwide cover - all just for being a credit card holder. This includes:
- Air ambulance/repatriation
- Foreign travel health insurance
- International travel curtailment insurance
- Rescue costs/helicopter rescue
- Travel accident insurance
- Travel liability insurance
- Travel cancellation insurance
- Baggage insurance
- Insurance in the event of delayed or missed flights
- Insurance for motor vehicle towing costs
- Insurance in the event of ski breakage
- Medical and legal assistance abroad
Austrian Miles & More Business Premiumcard: premium travel insurance including cancellation cover for up to three business trips.
Get a complete overview of all travel insurance benefits. For more information about secure coverage during the transition period, please see our travel insurance FAQs.
Special car rental conditions
Special car rental conditions with Hertz, Avis and Rentalcars.com for Austrian Miles & More Business Premiumcard and Business Smartcard holders.
Austrian Business Class check-in is available to Austrian Miles & More Premiumcard and Business Premiumcard holders for departures from Vienna Airport.
10% off Austrian Melangerie (buy on board) for transactions made with the Austrian Miles & More Premiumcard or Business Premiumcard.
Settle your annual fee with miles
Austrian Miles & More Premiumcard or Business Premiumcard: 6,500 miles per month (78,000 miles per year)
Austrian Miles & More Business Smartcard: 2,500 miles per month (30,000 miles per year)
Our credit card FAQs: everything you need to know about switching from card complete to Erste Bank and Sparkasse.
1. Applying for the new Austrian Miles & More Credit Cards
Here you’ll find detailed information on the new Austrian Miles & More Credit Cards from Erste Bank and Sparkasse.
When will the new credit cards be available?
The new Austrian Miles & More Credit Cards from Erste Bank and Sparkasse have been available to apply for since 29 December 2025.
Do I need to actively apply for the new credit card?
Yes, you won’t automatically be issued a new card.
You must actively apply for the new Austrian Miles & More Credit Card.
How can I apply for the new Austrian Miles & More Credit Card?
You can apply online via the George app or in person at an Erste Bank and Sparkasse branch.
To apply for the credit card, you first need to complete the onboarding process in the George app. For this, you need to enter your personal details and set up a profile in the app.
Once your onboarding process is done, you’ll have completed registration. You’ll then be able to apply for your new card directly in the George app.
Once you’ve completed the onboarding process in the George app, you can easily apply for an Austrian Miles & More Premiumcard, Austrian Miles & More Business Premiumcard or Austrian Miles & More Business Smartcard in the George app.
As soon as your application has been approved, your credit card will be visible in George online banking and can be digitised for immediate use (e.g. using Apple Pay or Google Pay).
The physical card (plastic card or metal card for HON Circle Members) will usually be delivered by post within three working days.
All credit card applications, whether online or in-branch, require proof of income from the last three months.
Proof of income must be sent to the customer advisors at Erste Bank and Sparkasse by secure means via “sKontakt” in the George app or George online banking.
If you already have an Austrian Miles & More Credit Card issued by card complete, you must upload one of your last three monthly statements (October to December 2025) during the application process to confirm your current credit card limit.
Do I need to have a current account with Erste Bank and Sparkasse?
No, you do not need to have a current account with Erste Bank and Sparkasse to apply for and use an Austrian Miles & More Credit Card.
Your credit card statement balance can also be debited from an account with another Austrian bank.
What card products are available?
- For personal customers: the Austrian Miles & More Premiumcard
- For business customers: the Austrian Miles & More Business Premiumcard and Austrian Miles & More Business Smartcard
Are business cards also available?
Yes, two different cards are available for business customers: the Austrian Miles & More Business Premiumcard and the Business Smartcard.
What benefits come with the new Austrian Miles & More Credit Cards?
The benefits of the new credit cards include:
- Instant access to digital credit card
- Mobile payment with Apple Pay and Google Pay
- Comprehensive travel insurance cover upon card application approval (incl. travel cancellation insurance)
- Reimbursement of foreign currency charges
- Split Now with the Austrian Miles & More Premiumcard for spreading transactions over several monthly statements
- Earn miles on card transactions
- Protection against mileage expiry
- Welcome Bonus of 3,000 miles (applies only to the Austrian Miles & More Premiumcard)
- Exchange miles for Points and Qualifying Points
- Settle your annual fee with miles
- Priority Pass™ access to 1,800+ airport lounges worldwide
- Austrian Airlines Business Class check-in and fast track at Vienna Airport
- 10% off Austrian Melangerie (buy on board)
Here you’ll find detailed information on the new Austrian Miles & More Credit Cards.
Will all previous features still be available?
Yes, basic features such as earning miles, mileage protection and previous airport services will still be available. Cardholders can also take advantage of new and enhanced benefits.
How do I earn miles with the new credit card?
You’ll earn miles on every qualifying card transaction.
The number of miles earned depends on the card product.
How long does it take to process card applications?
As soon as your application has been approved, your digital credit card will be issued and available for immediate use.
The physical card (plastic card or metal card for HON Circle Members) will be sent to the address provided within three working days.
What do I need to apply?
To apply, both online and in-branch, you’ll need your pay slips or proof of income from the last three months.
Proof of income must be sent to the customer advisors at Erste Bank and Sparkasse by secure means via “sKontakt” in the George app or George online banking.
Tip for card complete customers:
If you already have an Austrian Miles & More Credit Card from card complete, please keep a PDF copy of one of your last credit card statements (October to December 2025). This can be uploaded during the online application process to consider your current card limit.
What is George and why is it needed?
George is the digital banking platform of Erste Bank and Sparkasse. The George app is used to identify (onboard) personal customers and to manage your credit card.
George is free. Download the George app.
How does onboarding/authentication work for personal customers?
Online via the George app
Download the free George app for Apple (App Store) or Android (Google Play Store), select “Get started with George”, and follow the registration process. Go to the George app
To onboard, you’ll need:
- an EU passport or an ID card with a chip
- to provide your personal details (full name, address, date of birth, email address and telephone number)
Upon successful completion, your customer profile will be set up and - as soon as it’s available - you’ll be able to apply for the Austrian Miles & More Credit Card directly via George.
In person in-branch
Alternatively, you can complete the onboarding process at a branch of Erste Bank and Sparkasse.
Please make an appointment in advance and bring the following documents with you:
- Valid photo ID
- Wage slips or statements from the last three months
Your personal details (name, address, date of birth, email address and telephone number) will also be registered.
How does onboarding/authentication work for business customers?
In person in-branch
Make an appointment at an Erste Bank and Sparkasse branch and ask which documents you’ll need for onboarding. The following documents are usually required:
- Valid photo ID
- Company documents (depending on the company structure), e.g.
- Company details
- Details of managing directors
- Details of beneficial owners
- Tax details
- Balance sheet or profit and loss statement
Online via the website (available since 29.12.2025)
Since 29.12.2025, online onboarding has been possible for companies simultaneously applying for an Austrian Miles & More Business Credit Card.
- Complete the online form provided.
- Your request will be forwarded to the relevant customer advisor.
- You’ll then be contacted directly.
You may also need to provide the following documents:
- Valid photo ID
- Company documents (depending on the company structure)
- Latest credit card statement from card complete (October to December 2025), if available
What do I need to apply for the new Austrian Miles & More Credit Card?
To apply, both online and in-branch, you’ll need your pay slips or proof of income from the last three months.
Proof of income must be sent to the customer advisors at Erste Bank and Sparkasse by secure means via “sKontakt” in the George app or George online banking.
Tip for card complete customers:
If you already have an Austrian Miles & More Credit Card from card complete, please keep a PDF copy of one of your last credit card statements (October to December 2025).
This can be uploaded during the online application process to consider your current card limit.
Will I get a new credit card number?
Yes, the new credit card comes with a new number.
Will I need to update my credit card number for payment services?
Yes, please update your credit card number for online shops, subscriptions and payment services.
Can I continue to use my old credit card PIN code?
No. For security reasons, you’ll receive a new PIN code, which you can change using the Erste Bank and Sparkasse self-service machines.
Can I use multiple credit cards with a single Miles & More service card number?
Yes, you can have a personal and a business credit card with your Miles & More service card number.
Additional cards linked to personal cards earn miles on the service card number of the primary cardholder.
Can I earn miles with other credit cards from Erste Bank and Sparkasse?
No, miles can only be earned with Austrian Miles & More Credit Cards.
Is it possible to directly switch products online from another Erste Bank card?
No, it’s not possible to switch products directly online.
How will the new credit card be billed?
You will be billed on the 25th of each month.
The statement amount will be debited from the specified account ten calendar days later.
2. Insurance and travel insurance cover when switching cards
Will I have continuous cover when switching cards?
Yes, there’s a 30-day transition period during which you’ll have uninterrupted insurance cover:
- You’ll be covered as usual until your previous Austrian Miles & More Credit Card from card complete is cancelled.
- You’ll then be covered immediately through your new credit card from Erste Bank and Sparkasse, without any additional waiting period, provided the new card is requested within 30 days of the old one being cancelled.
What does this mean for trips already booked?
You’ll still be fully covered for trips paid for with your previous Austrian Miles & More Credit Card from card complete, even if the trip takes place after the old card is cancelled.
What happens if I apply for the new credit card later?
If you apply for the new credit card more than 30 days after the old card is cancelled, the regular waiting period of 30 days will apply for travel cancellation insurance.
Does continuous insurance cover also apply to other card complete cards?
No, uninterrupted insurance cover without a waiting period applies only if your previous credit card was also an Austrian Miles & More Credit Card from card complete.
When switching from other card complete cards, travel cancellation insurance doesn’t take effect until the regular waiting period has expired.
What insurance benefits are included in the Austrian Miles & More Premiumcard and Business Premiumcard?
The insurance cover, including travel cancellation insurance, is effective from the first day following a successful card application.
If you switch from an existing Austrian Miles & More Credit Card from card complete, the insurance cover will continue without interruption, provided the switch is made within 30 days of the previous card expiring.
Premium travel insurance
As the holder of an Austrian Miles & More Premiumcard or Business Premiumcard, you and any family members (who live in the same household) travelling with you can benefit from comprehensive insurance with worldwide cover - all just for being a credit card holder. This includes:
- Air ambulance/repatriation
- Foreign travel health insurance
- International travel curtailment insurance
- Rescue costs/helicopter rescue
- Travel accident insurance
- Travel liability insurance
- Travel cancellation insurance
- Baggage insurance
- Insurance in the event of delayed or missed flights
- Insurance for motor vehicle towing costs
- Insurance in the event of ski breakage
- Medical and legal assistance abroad
Austrian Miles & More Business Premiumcard: premium travel insurance including cancellation cover for up to three business trips.
Get a complete overview of all travel insurance benefits. For more information about secure coverage during the transition period, please see our travel insurance FAQs.
3. Ending of the partnership with card complete
What does the end of the partnership mean for cardholders?
The partnership between Austrian Airlines, Miles & More and card complete ended on 31.12.2025.
Existing Austrian Miles & More Credit Cards issued by card complete could still be used until 31.12.2025 with the following benefits:
- Earning miles
- Mileage protection
- Austrian Airlines Business Class check-in
As of 1.1.2026, it is no longer possible to enjoy the benefits of Miles & More or Austrian Airlines with these cards.
To continue to enjoy the benefits of Miles & More and Austrian Airlines, you must actively apply for a new Austrian Miles & More Credit Card issued by Erste Bank and Sparkasse. You can easily apply for the new credit cards here.
What happens to the miles I’ve already earned?
All miles already earned will remain in your Miles & More account. Mileage protection for card complete cards will be extended until 30.6.2026.
For how long can I continue earning miles with the previous card?
Miles could be earned with the previous cards until 31.12.2025.
Transactions with a booking date up to this day were credited to your Miles & More account.
Can I continue earning miles with my card complete card from 1.1.2026?
No, you will no longer be able to earn miles with your previous card complete card from 1.1.2026.
4. Information and communication
When and how will I be informed about the changes?
All relevant information concerning the new Austrian Miles & More Credit Card from Erste Bank and Sparkasse, including benefits, terms and conditions and application options, can be found on the Miles & More or Erste Bank and Sparkasse website.
In addition, holders of an existing Austrian Miles & More Credit Card from card complete received a letter in October 2025 containing all relevant details about the card switch. You’ll find information about card complete cards here.