Card Complete

What Card Complete does

Card Complete Service Bank AG is an Austrian licensed credit institution (Aktiengesellschaft) headquartered in Vienna that has issued payment cards since 1985 under the card complete brand. The company operates as a full-stack payment card provider, functioning both as a card issuer and a merchant acquirer across five international networks: Visa, Mastercard, Diners Club, JCB, and China UnionPay. Its consumer product line spans three tiered subscriptions — Classic (€2/month in year one), Gold (€3/month), and Platinum (€11.55/month) — bundled with travel insurance, travel cancellation insurance, airport lounge access at Vienna Airport, and supplementary card pricing. Corporate and travel-focused variants include the Mastercard World Business Traveller and Diners Club business and co-brand cards.

The technology stack is built around the complete Control app and web portal (built on Opentech Payment Services infrastructure) with biometric authentication, real-time push transaction notifications, temporary card blocking, and geoblocking. Online onboarding uses VideoID verification via CRIF GmbH and WebID Solutions GmbH, and 3D Secure online payment authentication (complete Secure) is delivered through Netcetera AG under PSD II strong customer authentication. Fraud monitoring is described as rules-based transaction anomaly detection, and the company is certified under Trustmark Austria and the European Trustmark.

Revenue is generated through three streams: recurring monthly card membership fees, interchange fees on cardholder transactions, and cross-border card fees. Distribution combines direct-to-consumer digital acquisition via the website and app with channel sales through Austrian partner banks (Partnerbanken) and Diners Club co-brand partnerships. The company serves two primary customer segments — private individuals (Privatkunden) and corporate clients (Firmenkunden) — primarily in the DACH region. Ownership is concentrated, with EAVISTA Beteiligungsverwaltungs GmbH holding 71.59% and AVZ GmbH holding 28.41%.

Name

Card Complete

Legal name

card complete Service Bank AG

Website

https://cardcomplete.com

Company type

Private

Founded year

1985

Operating status

Operating

Headcount range

251–500 employees

Short description

Card Complete Service Bank AG is an Austrian licensed credit institution that issues Visa, Mastercard, Diners Club, and JCB payment cards and operates merchant acquiring for private consumers and corporate clients, primarily across the DACH region.

Ownership category

akta.pro rank

Product category

Credit Card Services

NAICS

Credit Card Issuing (522210), Credit Card Issuing (52221), Depository Credit Intermediation (5221)

SIC

Personal Credit Institutions (6141), Functions Related To Depository Banking, Nec (6099), State Commercial Banks (6022)

akta.pro primary industry

General-Purpose Credit Card Schemes (FSAMAAAA)

akta.pro secondary industries

Business / Corporate Credit Cards (FSAKABAF), Co-Branded Credit Card Partnerships (Issuers/Networks) (THABAKAD), Open-Loop Prepaid Cards (Network-Branded) (FSAMANAA), Travel Money Cards & Multi-Currency Prepaid (FSAMANAI)

Keywords

• Credit card services
• Payment card issuing
• Prepaid card services
• Card acquiring services
• Travel insurance cards

Headquarters

HQ city

Vienna

HQ country

Austria

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Card Membership Fees: Monthly subscription fees charged to cardholders for credit and prepaid card products across Classic, Gold, and Platinum tiers. Fees range from €2/month (Classic, first year €2/month) to €11.55/month (Platinum). Additional card fees apply.
2. Interchange Fees: Transaction fees received from merchants when cards are used at acceptance points. Part of the multi-party card network system involving Visa, Mastercard, Diners Club, and JCB.
3. CrossBorder Card Fees: Additional fees for cross-border credit card usage, governed by specific AGB terms for CrossBorder cards.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Card Complete Service Bank AG is an Austrian licensed credit institution that issues and acquires credit cards and prepaid cards under the Visa, Mastercard, JCB, and Diners Club networks. It offers tiered private card products (Classic, Gold, Platinum) and Mastercard World Traveller variants bundled with travel insurance, airport lounge access, and the complete Control mobile/web management platform, alongside corporate cards and merchant acquiring services distributed directly and through Austrian partner banks.

Product overview

Card Complete Service Bank AG is an Austrian credit institution offering a portfolio of credit cards and prepaid cards under its own brand as well as through Mastercard and Diners Club partnerships. The core product line consists of three main private customer cards (Classic, Gold, and Platinum tiers) with varying insurance coverage and benefits, supplemented by Mastercard World Traveller variants for travel-focused customers. Business solutions include the Mastercard World Business Traveller and broader commercial card offerings. The complete Control mobile app and web portal serves as the central card management platform enabling transaction monitoring, password management, temporary card blocking, and geoblocking. Supporting services include complete Secure (3D Secure online payment authentication), complete World (benefits program), included travel insurance, travel cancellation insurance, and airport lounge access. The Diners Club partnership extends the portfolio with additional private, business, and co-brand card options.

Differentiator

Problem solved

Functional benefit

Products and services

• Classic Card with Insurance Entry-tier credit card for private individuals priced at €2/month (first year) including travel insurance with liability coverage up to €726,750, baggage up to €1,820, accident up to €72,700, travel cancellation coverage for package tours up to €2,500, public transport tickets up to €1,250 (20% deductible), FastTrack access at Vienna Airport, and a free supplementary card in the first year.
• Gold Card Mid-tier credit card for private customers priced at €3/month with enhanced travel insurance (liability up to €750,000, baggage up to €2,500, accident up to €100,000), travel cancellation for package tours up to €2,500 and individual travel up to €1,250 (20% deductible), discounted airport lounge access at €29, FastTrack at Vienna Airport, and travel medical and legal assistance.
• Platinum Card Premium-tier credit card for private customers priced at €11.55/month offering top-tier travel insurance (baggage up to €5,000, accident up to €150,000, travel cancellation up to €5,000 for package tours and up to €2,500 for individual travel with 20% deductible), up to 4 free airport lounge visits per year (then €29 per person), FastTrack at Vienna Airport, and a supplementary card at €5.80/month.
• Mastercard World Traveller Gold Card Gold-tier Mastercard for private customers positioned as a travel-focused product bundling travel insurance and airport lounge benefits.
• Mastercard World Traveller Black Card Black-tier Mastercard for private customers offering premium travel insurance, airport privileges, and elevated travel-related benefits.
• Mastercard World Business Traveller Business credit card for corporate travelers with travel-focused benefits and insurance coverage, used for employee expense management and corporate travel payments.
• Diners Club Cards Range of Diners Club credit cards issued by card complete in Austria including private cards, business cards, and co-brand cards, with Diners Club-specific benefits, ProtectBuy 3D Secure authentication, and access to airport lounges.
• complete Control App Mobile app and web portal enabling cardholders to view transaction history, manage passwords, temporarily block cards, update contact information, adjust geoblocking settings, and authenticate online payments via biometric authentication (Face ID/Touch ID) and mobile TAN. Available on iOS, Android, and Huawei AppGallery.
• Travel Insurance (included with cards) Travel insurance coverage bundled with select credit cards, providing liability protection, baggage coverage, and accident insurance. Requires card usage at least once every two months to maintain coverage.
• Travel Cancellation Insurance Optional travel cancellation insurance covering package holidays up to €2,500 and booked individual travel components (public transport and accommodation) up to €1,250, with a 20% deductible.
• Airport Lounge Access Access to airport lounges and FastTrack services at Vienna Airport, with benefits varying by card tier including complimentary access for premium cardholders.

Quantifiable outcome

• Travel insurance liability coverage up to €750,000 (Gold) to €100,000 (accident)
• +1 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature5 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• Diners ClubcoreStrategic or Co-development Partnercard complete issues Diners Club credit cards including private cards, business cards, and co-brand cards. Partnership includes Diners Club branded products with associated benefits and insurance coverage.
• Visa/Visa EuropecoreTechnology or IntegrationInternational card organization for card issuing and acquiring. Data transfers to USA under Standard Contractual Clauses (Art. 46 Abs. 2 lit c DSGVO).
• MastercardcoreTechnology or IntegrationInternational card organization for card issuing and acquiring. Data transfers to USA under Binding Corporate Rules (Art. 47 DSGVO).
• Netcetera AGcoreTechnology or IntegrationSwiss technology provider for complete Secure payment authentication services. Located in Switzerland with data transfers under Adequacy Decision.
• Opentech Payment Services AGcoreTechnology or IntegrationSwiss technology provider for complete Control portal and mobile app. Data transfers to Switzerland under Adequacy Decision.
• CRIF GmbHcoreTechnology or IntegrationProvides Video-ID identification services for card applications and credit check/consumer scoring services. Used for customer identity verification and creditworthiness assessment.
• WebID Solutions GmbH / WebID Austria GmbHcoreTechnology or IntegrationSoftware provider for Video-ID identification platform used in online card application process, compliant with Online-IDV requirements.
• Einlagensicherung AUSTRIA Ges.m.b.H.coreOthersAustrian deposit protection scheme. card complete is a member, with deposits of natural persons guaranteed up to €100,000 per depositor.
• Facebook Ireland LimitedminorGTM or Marketing PartnerJoint controller for Facebook/Instagram page insights and customer communications. Data transfers to USA under Standard Contractual Clauses.
• Partner Banks (Austria)coreChannel Partner/ Reseller/ DistributorAustrian banks that distribute card complete payment cards as part of their product offerings. Partner banks act as data processors under Art. 28 DSGVO.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Direct peers

• BAWAG Group: Leading Austrian retail and consumer bank issuing Visa and Mastercard credit cards directly to Austrian consumers and SMEs. Direct competitor in the same Austrian credit card issuing market, with overlapping customer base in private and business segments.
• Diners Club International: Global charge card brand whose Austrian and German cards are issued by Card Complete. A direct peer in that Card Complete is the issuer of Diners-branded cards in its markets, sharing the same cardholder base and competitive positioning.
• PayLife (part of Austrian banks): Austrian card acquiring and issuing processor owned by Austrian banks, historically the domestic card scheme operator. A direct peer in the Austrian card issuing and processing market, with overlapping partner-bank distribution.

Broad incumbents

• Erste Group Bank: One of the largest banking groups in Austria/Central and Eastern Europe offering credit cards across multiple CEE markets. A broad incumbent with card issuing as part of a wider retail and commercial banking portfolio, competing for the same Austrian cardholders.
• Bank Austria (UniCredit): UniCredit's Austrian subsidiary issuing credit cards to retail and corporate customers in Austria. A broad incumbent with full banking services, directly overlapping Card Complete's business card and consumer card products.
• Raiffeisen Bank International: Austrian-headquartered banking group with credit card issuing across CEE via the Raiffeisen banking network. A broad incumbent with overlapping card products and partner-bank distribution model similar to Card Complete's Partnerbanken channel.
• American Express: Global premium card issuer with a strong presence in Austria via partner banks. A broad incumbent competing for the same high-spending Austrian cardholders, especially in the travel and premium card segments where Card Complete's Platinum tier sits.

Emerging players

• Revolut: UK-headquartered digital bank with strong Austrian user base, offering free or low-cost card products. An emerging player with partial overlap in consumer card issuance, competing on price and digital UX rather than insurance bundles.
• N26: Berlin-based digital bank with significant Austrian customer base offering free Mastercard accounts/cards. An emerging player competing for the same digitally native Austrian consumers, pressuring Card Complete's subscription tiers.

Others

• Adyen: Global payments platform enabling merchants to accept Visa, Mastercard, Diners and other schemes. Adjacent infrastructure provider whose card-acquiring technology competes for the merchant side of Card Complete's issuing and acquiring business.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/cardcomplete
• LinkedInlinkedin.com/company/card-complete-service-bank-ag
• Instagraminstagram.com/card.complete

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Card Complete