Your card is on its way Your Gold Credit Card Benefits
Discover your gold card benefits while your card is on its way: travel insurance, Priority Pass lounges, travel discounts and mobile payment.
Your Benefits at a Glance
Four benefits that come with your Gold credit card – and where to find out how to use them.
Travel Insurance Included
Cover for luggage, travel accidents, trip cancellation, medical costs abroad and personal liability.
Airport Lounges Worldwide
Free Priority Pass membership with access to over 1,700 airport lounges worldwide.
7% Off Your Holiday
Book individual and package holidays via Travelcentive with your Visa credit card and save 7%.
Pay Your Way
Pay contactless with your card, smartphone or smartwatch – in shops, online and in apps.
How to Activate Your New Credit Card
Your Gold credit card usually arrives within about 6 working days. These four steps get you ready to use it from day one.
Your Credit Card Travel Insurance
Your Gold credit card includes travel insurance for you as the cardholder – so you can enjoy your trips without worrying about the unexpected.
Luggage and Travel Protection
Luggage up to €2,100, delayed luggage and flight delays from 4 hours, document replacement and unscheduled return.
Travel Accidents
Up to €100,000 for disability from 50%, plus rescue and helicopter costs in full.
Trip Cancellation
Covered for two cancellations a year, each up to €2,500.
Medical Costs Abroad
Inpatient and outpatient treatment abroad and repatriation organised by the insurer, covered in full.
Personal Liability
Personal liability up to €750,000 and rental damage up to €25,000.
Your Insurance Documents
Insurance folder, insurance terms and product information sheet for your Gold credit card.
Credit card lounge access Airport Lounges with Priority Pass
Relax before your flight: as a Platinum cardholder, your Priority Pass membership is free of charge – with access to over 1,700 lounges worldwide.
Lounges in Vienna and Around the World
Use Priority Pass lounges at the airports of Vienna-Schwechat, Linz, Graz, Innsbruck and Salzburg and worldwide. Lounge visits are billed per person via your monthly statement.
Save 7% on Your Next Holiday
Your credit card travel discount: book individual or package holidays via Travelcentive with your Visa credit card from Raiffeisen CardService and save 7%.
The discount applies only to bookings made with a Visa credit card from Raiffeisen CardService via the Travelcentive link.
Contactless and Mobile Payment
Your Gold card is a contactless credit card: hold it to the reader – or add it to your smartphone or smartwatch and pay in seconds.
Apple Pay
Add your credit card to Apple Pay with the Mein ELBA app and pay with iPhone, Apple Watch, iPad or Mac.
Google Pay
Store your card in Google Wallet and pay contactless wherever Google Pay is accepted.
RaiPay
The Raiffeisen payment app for Android: pay with your phone, send money and keep your loyalty cards.
Garmin Pay
Pay contactless at the terminal directly with your Garmin smartwatch.
SwatchPAY
Pay in seconds from your wrist – no wallet or phone needed.
LAKS PAY
Pay with wearables such as rings, watches, bracelets or key fobs.
Questions About Your Gold Credit Card
Quick answers about delivery, activation, Priority Pass, insurance and mobile payment.
Delivery usually takes about 6 working days. If you chose a system PIN, it arrives by post about 2 working days before your card. With a custom PIN, no PIN letter is sent: you receive an information letter with your card and set your PIN once on the Raiffeisen CardService website.
Make your first purchase with PIN entry at a shop terminal, with your card inserted into the terminal. This activates the card and protects it against misuse. Online payments are only possible after activation. If you chose a custom PIN, make your first transaction at an ATM; this first withdrawal is free of charge.
Log in to My Portal and activate your Priority Pass membership, which takes less than 3 minutes. A welcome email from Priority Pass follows within 24 to 48 hours. Follow it to install the Priority Pass app and add your membership. At the lounge, show the pass in the app together with your Raiffeisen credit card.
Your Priority Pass membership is free of charge for holders of a Raiffeisen Gold or Platinum credit card. Each lounge visit is charged per person, for you and any guests, and billed automatically via your monthly credit card statement. Special conditions for children vary by lounge. You find the current price on the Priority Pass page.
The travel insurance of your Gold credit card covers you as the cardholder when you travel privately. Accident and medical costs abroad are insured for you alone, not for your family. Shopping protection and robbery insurance are not part of the Gold card. All benefits and conditions are listed in the insurance folder and the insurance terms.
Report a claim under your credit card insurance with the online claim form of Raiffeisen Versicherung, which is linked on the Raiffeisen CardService website. Before your trip, check the scope of your benefits in the insurance folder and the insurance terms of your Gold credit card, so you know what is covered in case of a claim.
Yes. You can add your Gold credit card to Apple Pay with the Mein ELBA app, store it in Google Wallet for Google Pay, or use RaiPay on Android. Garmin Pay, SwatchPAY and LAKS PAY let you pay with a smartwatch or other wearables. Your agreed card limit also applies to all mobile payments.
No. Your Raiffeisen credit card works worldwide and does not need to be unlocked for stays abroad. Before your trip, simply make sure that your card is activated and not expired and that your limit is sufficient for your plans. If you have any questions, your Raiffeisen advisor is happy to help.
Help topics related to your credit card
If you have questions or problems with your credit card, there are several help topics that can help you. Here is some useful information:
