Credit card exchange
Termination of the cooperation between card complete and Raiffeisen.
Important information: End of validity of your card complete credit card
The long-standing cooperation between card complete and Raiffeisen Banking Group Austria will end on 31.12.2025.
Our credit cards at a glance
Wherever you are, whatever you want to pay for – a credit card from Raiffeisen is your ideal companion. Whether in your favourite boutique, in the online shop or while travelling, the Raiffeisen credit card enables cashless and contactless payment and offers many other advantages.
Credit card in your desired design
Design your Classic or Gold credit card from Raiffeisen yourself with your personal desired image and make it unique.
Simply upload your desired image when ordering.
Your new credit card offers you more
FAQ - Frequently Asked Questions Everything you need to know about exchanging your credit card.
Do you want to know how long you can continue to use your credit card, when you will receive the new card after ordering or whether the insurance benefits of the new card correspond to those of the card complete card?
In our FAQ you will find answers to the most frequently asked questions about credit card exchange.
General
You can use your credit card from card complete as usual until the changeover to the new Raiffeisen credit card, but no later than 31.12.2025.
What does this mean for you in concrete terms?
- Your credit card can no longer be integrated into My ELBA from 2026.
- Your Raiffeisen advisor will not be able to provide you with any information or advice (e.g. frame height) on your card complete credit card.
- The processing of claims (e.g. e-commerce, insurance) can no longer be supported by your Raiffeisen bank.
If you order a new Raiffeisen credit card, you can automatically cancel your card complete credit card if you wish. You can still use your card complete credit card 1 month after cancelling or reordering the Raiffeisen credit card. The annual fee of the card complete credit card will be refunded to you on a pro rata basis. There is therefore no double billing.
To view your invoices and transactions, you can still log in to complete Control for 6 months after cancelling your card complete credit card. However, all other functions, such as payment approvals, are no longer available when the card is cancelled.
The generally applicable regulations for chargebacks for incorrect transactions apply. For complaints, we ask you to use and submit the form for sales objections stored on the card complete website.
If you cancel your existing card complete credit card, the total amount will be invoiced in the course of the final settlement. In this case, payment in installments / partial payment of the invoice is no longer possible.
If a main card complete card is cancelled, all additional cards are automatically cancelled as well. Therefore, additional cards must also be re-applied for. The issuance criteria of Raiffeisenbank International AG as the card-issuing institution apply to additional cards.
Product
No. The conditions listed in the product overview for the Classic, Gold and Platinum cards are below the current standard conditions of the card complete. You will also receive the Classic Credit Card for €14.27 and the Gold Credit Card for €35.16 for the first year. For detailed information regarding conditions, please contact your Raiffeisen customer advisor.
Yes. You will receive a completely new credit card with a new credit card number. Your new credit card must therefore be re-entered everywhere as the preferred means of payment or for automatic debits.
The frame structure is different. Adaptation is possible within the existing parameters. There is no automated transfer of the credit card line.
Raiffeisenbank International AG is expected to offer its cardholders access to over 1,700 VIP lounges worldwide operated by the operator PriorityPass from February 2025. Each visit is offered at a discounted price of Euro 30.00. For access, only the short announcement of the registration request via My Portal on r-card-service.at is required.
We recommend that you take out a Raiffeisen Gold Credit Card. For a small surcharge on your card complete card, you benefit from more comprehensive insurance cover and other advantages of the Gold Card, such as discounted access to over 1,700 VIP lounges worldwide.
Ordering process
After the application process has been completed and provided that all required documents have been submitted in full, it will take about 5-7 working days until you receive your new Raiffeisen credit card.
No, you don't have to worry about not having a credit card at all. As soon as you have ordered a new Raiffeisen credit card, card complete will only start the cancellation process. Your card complete credit card is valid for 1 month from the date of cancellation. You will receive your new Raiffeisen credit card 5-7 working days after ordering the card.
You can order your new Raiffeisen credit card directly in My ELBA or contact your account-holding Raiffeisen bank. If you have any questions about the ordering process, we recommend that you contact your Raiffeisen advisor directly.
If you order a new Raiffeisen credit card, you can automatically cancel your card complete credit card if you wish. The annual fee of the card complete credit card will be refunded to you on a pro rata basis. There is therefore no double billing.
For online ordering, different parameters/settings are checked in the background. If the route cannot be accessed, please contact the Raiffeisen advisor.
Insurance cover
The insurance benefits of the two products are different. You can find an overview and detailed information on the insurance benefits in our travel protection folder for the Gold credit card and in the product folder for the Platinum credit card. Detailed product information can also be found at Raiffeisen CardService.
The insurance benefits of your existing card complete credit card can be claimed as long as the contract with card complete is valid. Your card complete credit card is valid for 1 month after cancellation. If you would like to report a claim, please contact the insurance partner of card complete (HOTLINE Wr. Städtische).
From the first use of the new Raiffeisen credit card, the insurance benefits of the Raiffeisen credit card also apply. This also applies to holidays that have already been booked, as long as the new Raiffeisen credit card is in use at the time of the start of the holiday. In use means that you must use your credit card at least once every two months in order to always have valid insurance coverage. The decisive factor is the transaction date according to the credit card statement. The booking of the holiday does NOT have to be made with the new Raiffeisen credit card. If you have any further questions about your new Raiffeisen credit card, please contact your Raiffeisen advisor.
The insurance cover ends when you cancel your card complete credit card. If you have not yet accepted the offer and your credit card contract with card complete is still valid, please contact the insurance partner of card complete (HOTLINE Wr. Städtische). If you have already received your new Raiffeisen credit card from Raiffeisen, you can submit the claim to them. Please contact your Raiffeisen bank or use the online form of the insurance company: https://www.raiffeisen-versicherung.at/de/service/schadenmeldung/schadenmeldung-kreditkartenversicherung.html