Mastercard Gold TF bank: free credit card for life with travel insurance included (why yes and why no)
A new credit card has arrived on the Italian market a few weeks ago, it is the , Swedish banking institution [...]

A new credit card has arrived on the Italian market a few weeks ago, it is the Mastercard Gold issued by TF Bank, a Swedish banking institution operating in several European countries. This is a traditional credit card which can be applied for by any (adult) Italian resident who has not had any credit problems and can go up to a line of credit of up to 5 thousand euros per month.
Free credit card forever
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If you are looking for a Credit Card, free of charge, to add to your wallet. this is definitely an interesting product because is not only free for the first year, but has no activation or renewal fees, whether or not it is actually used. It is therefore the possibility of having a increasing credit line up to 5 thousand euros, which is absolutely not easy to achieve especially when thinking about products that are completely unrelated to the current account.
Summing up
- does not have a monthly fee
- is not a prepaid
- does not charge fees for payments
- TAN 0% and APR 0% If the charge occurs at the end of the month
Who is TF Bank
TF Bank is a digital financial institution specializing in offering customized credit solutions and online banking services. Founded in 1987 in Sweden, it has established itself as an industry leader due to its cutting-edge technology platform and customer-focused approach. TF Bank operates in several European markets, offering products such as personal loans, savings accounts and credit cards, characterized by transparency and flexibility. The bank aims to simplify financial management for its customers, combining technological innovation and attention to individual needs.
When to use Mastercard Gold from TF Bank
Reviews on Trustpilot are more than positive for the different markets where TF Bank operates, with nearly 10 thousand ratings and an average of more than 4/5. This alone should act as a guarantee of seriousness and attention to the customer. However, this is not enough, especially here at TFC we are interested in talking about travel-related benefits and how this tool can be useful to people around the world.
- No fees for foreign currency payments, which means you do not have to pay any fees for payments in currencies other than the euro
- Interest-free payment period of 55 days , normally we talk about a maximum of 45 days for the balance of an expense, in this case there is an extra week.
Pay for your trip with TF Bank's Gold Mastercard and sleep easy
The insurance benefits of the credit card are really interesting especially if we remember that we are talking about a product that has no monthly fees and that for trips paid beyond 50% with the Mastercard Gold the TF Bank offers:
- Health insurance for international travel
- Trip cancellation insurance
- Trip interruption insurance
- Flight delay and baggage insurance
- Liability insurance
- Accident insurance
The policy statement can be accessed At this address..
When NOT to use Mastercard Gold from TF Bank
If you are wondering. Where do these banks who give everything for free earn is simple, they make money when the user misuses the credit card they have.
The biggest mistake of all is NOT paying the balance due, the reason is simple this card also has a revolving function that allows you to defer payments in monthly installments. in this case interest is triggered which is really high. TAN 24.95% TAEG 28.01%.
The second mistake is to withdraw cash from ATMs. Not only is there a fee of 3.90€ per transaction, but there is also triggered a calculation on interest from the day of withdrawal to the day the CC is debited. (TAN 26.45% TAEG 29.90%).
How to Apply for Mastercard Gold from TF Bank
If you have decided to apply for the TF Bank Mastercard Gold, you can do it all online and in just a few clicks.
- The criteria for being approved are residence in Italy, correct biographical and contact information. The application process for TF Bank Mastercard Gold should take no longer than two minutes, after which you will be notified if the request has been approved.
- If approved, the Verification of identity in digital format using ID Now on the website. An ID card or passport is required as identification here. A driver's license is not allowed.
At this link are all the detailed information about the Mastercard Gold card of TF Bank