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Austrian Raiffeisenbank Card Review

Austrian Airlines operates 82 aircrafts traveling to more than 120 destinations globally. As the flag carrier airline of Austria, Austrian Airlines offers domestic and international flights to destinations, including Los Angeles (North America), Cape Town (Africa), and Shiraz (Asia).

In an effort to offer more benefits to customers, Austrian Airlines teamed up with Raiffeisenbank to take their “Miles and More” program even further. With the Austrian Raiffeisenbank Card, you will earn miles for rubles spent. You can then spend miles at a number of Austrian partner locations.

In this article, we’ll highlight the top perks of the card, provide you with key details, and explain how to find even more savings with Giving Assistant.

Top Perks

My Austrian card review

  1. Welcome bonus. Just for signing up for the Austrian Raiffeisenbank Card, you’ll receive 10,000 reward miles. More details below.
  2. Free worldwide medical insurance. In case of an emergency, any medical expenses you incur while traveling will be covered.
  3. Free concierge service. Call the concierge line and receive assistance on booking hotel stays, taxi rides, and other related travel services.

Key Details

  • From 29% interest rate
  • 2990₽ annual fee
  • 0₽ SMS Bank
  • Credit line up to 600,000₽
  • 3.9% + 390₽ cash withdrawal fee from third-party ATMs
  • 1,65% fee for using card abroad in a currency other than rubles
  • Up to 52-day interest-free grace period
  • Online account maintenance

Point System Breakdown

Miles and More is Austrian Airlines’ loyalty program. As a Raiffeisenbank cardholder, you’ll earn miles not only for flights, but also for everyday purchases. Through the Miles and More program, you earn miles for travel related purchases. Amounts vary based on the current promotion.

With the Raiffeisenbank card, you earn 1 reward mile for each 50 rubles spent with the card. As a welcome bonus, you’ll receive 10,000 reward miles. With earned miles, you can:

  • Redeem reward flights for you and your family and friends on Austrian Airlines, Lufthansa, Swiss International Air Lines, LOT Polish Airlines, and Brussels Airlines
  • Upgrade to business class on your next flight
  • Select goods and services from the Miles and More Spend Catalog, which includes car rentals, hotel stays, and more.

Who is This Credit Card Best For?

The Austrian Raiffeisenbank Card is perfect for travelers who live, or frequent, Austria. As the flag carrier airline, you can enjoy benefits around the world. Whether you’re traveling near or far, you’ll be rewarded with miles to spend on future trips just for swiping your Raiffeisenbank Card.

How to Get a Austrian Raiffeisenbank Card

To qualify for a Austrian Raiffeisenbank Card, you must be between 23 and 67 years of age, be a citizen of the Russian Federation, have a permanent registration and place of work in the territory of the Russian Federation, have worked at your last job for more than three months, have an income of more than 25,000 rubles after tax, and have a work phone.

If you meet these requirements, you can sign up for your credit card by visiting Raiffeisen’s website and completing the application. You will need to provide a copy of your passport (spread with photo and current registration) and a document confirming your income. You will receive a decision within two minutes.

What Else Should I Know About?

If you’re a frequent flyer, you’ll be rewarded with the Miles and More program by receiving an increase in status. The higher you rank, the more advantages you’ll receive! Here’s a breakdown of the four status levels:

Miles and More Member

  • This is the basic membership level
  • Miles expire after 36 months
  • You can only access the First Class Terminal with a First Class ticket

Frequent Traveler

  • Requires 35,000 miles or 30 scheduled flights in a calendar year
  • No point expiration
  • Earn 50% more miles
  • Receive preferred business class check-in
  • One additional piece of luggage in economy class allowed; two in premium economy and business class; and three in first class
  • Access to the Business Lounge
  • Access to the First Class Terminal with a First Class ticket


  • Requires 100,000 miles in a calendar year
  • No point expiration
  • Earn 50% more miles
  • Receive preferred First Class and Premium check-in
  • Up to four pieces of additional luggage allowed
  • Access to the Senator and Star Gold Lounge
  • Access to the First Class Terminal with a First Class ticket

Hon Circle Member

  • Requires 600,000 miles in two consecutive calendar years (current and preceding)
  • No point expiration
  • Earn 50% more miles
  • Receive preferred business class check-in
  • Up to four additional pieces of luggage allowed
  • Access to the First Class and HON Circle lounge
  • Access to the First Class Terminal with no limit to ticket service class

Tips For Using The Austrian Raiffeisenbank Card

  1. Never shop without a coupon. Before confirming your next purchase, search Austrian Airlines on Giving Assistant for verified coupon codes. You don’t want to miss out on any savings.
  2. Pay your card off in full before the interest-free grace period ends. Austrian offers a generous 52-day interest-free credit period. By paying your balance in full, you can avoid paying a minimum of 29% interest.
  3. Take advantage of the card’s hidden benefits. Not only will you earn reward miles, but you also receive free medical insurance and concierge services.
  4. Redeem miles at partner locations. It’s a huge perk to be able to redeem miles you earn through Austrian Airlines at other retailers. Before you cash in, take a look at where you can spend your miles. You can also donate your miles to a cause.

How to Use Your Austrian Raiffeisenbank Card with Giving Assistant

When you go to Giving Assistant you’ll find verified coupons for multiple brands that offer up to 30% savings on select items. By using a Giving Assistant-provided link when you shop you have the potential to earn cash back, save on your purchase price, and get the added benefits from your Austrian Raiffeisenbank Card when you pay for your purchase.

To get started, you first need to sign up for an account on Giving Assistant. Once enrolled, visit the Giving Assistant Austrian Airlines store page here to view the current coupons, promo codes, and deals.

Download the Giving Assistant browser extension called the Button, to automatically populate the highest-value coupons as you visit thousands of online shopping websites.

Maximize your rewards earnings and saving potential by combining your Austrian Raiffeisenbank Credit Card with discount codes and offers found at Giving Assistant today!

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