Cards-as-a-Service:
Co-branded credit cards

Seamlessly enter the international credit card market with Advanzia’s bespoke loyalty solutions

Amplify brand awareness to the top of the wallet
Gain a competitive advantage and enrich your product offering

Harness the fastest, most cost-effective route to market
Partner with Advanzia’s decades of unrivalled experience

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As the CaaS provider of choice for over 190 partners across Europe, we design, launch and manage white-label loyalty card programmes tailored to your needs, jurisdictions and client base.

Co-branded credit card programmes as unique as you

Reinforce customer loyalty with tailored incentive schemes rewarding points and advantages
Enjoy borderless brand visibility with global contactless payments and zero FX fees
Meet your cardholders’ evolving needs with two-factor authentication and flexible financing
Offer a fully digital card experience with a mobile app and wallet and online onboarding
Boost and diversify your revenue streams and scale across multiple markets

Customer loyalty, powered by Advanzia

We manage the full process end to end and assume all credit and fraud risk
We can launch your premium credit card programme in a matter of weeks
Our straightforward application process delivers your cards to customers’ wallets, fast

We offer one dedicated account management team for all of Europe
Our multilingual customer service centres deliver 24/7 support in seven languages

A bespoke solution aligned with your marketing goals

Business Partners, white-label, co-branded

Choose from a range of card styles, from a standard gold card emblazoned with your logo to an image card that distils your branding
Choose your level of integration, from a simple add-on to your customer journey to the core of your customer-binding strategy

What our business partners say

Partnership between Krombacher and Advanzia Bank

The Krombacher Mastercard Gold card is an exclusive benefit for our members within the “Krombacher Freunde” community. Thanks to our partnership with Advanzia, we have strengthened our customer loyalty strategy and extended the Krombacher brand experience with a convenient payment method that offers gold status advantages.

Peter Latz, Head of Marketing Krombacher GmbH & Co. KG

Partnership between Conrad France and Advanzia Bank

We are very pleased to have found a reliable partner in Advanzia Bank for our energis Mastercard GOLD. The credit card is part of a comprehensive loyalty programme that we have developed for our customers. With every euro spent on the card, our customers save on their electricity bill. Advanzia handles the processing, calculates the savings for each customer and lists the savings on their monthly credit card bill.

Stephanie Rehne, Product Manager Customer Loyalty, Energis GmbH

Partnership between Andasa and Advanzia Bank

Thanks to our partnership with Advanzia Bank, our customers save the service charge for each flight reservation paid for with the Mastercard GOLD. At their holiday destination, they continue to benefit from the many additional advantages the Mastercard GOLD credit card offers, such as free cash withdrawals worldwide.

Balint Gyemant, CEO, Invia Flights Germany GmbH

From design to launch, Advanzia's guidance along every step of our co-branded card programme was invaluable. The result is the joe24 and willweg Mastercard Gold, which reflect our customers’ on-the-go lifestyles through attractive travel benefits. Advanzia’s flexible service also allows us to quickly adapt to the shifting technologies, strategies and customer demand of today’s travel industry.

Günther Gross, Managing Director Joe24 ReiseGmbH

Partnership between eMinded payVIP and Advanzia

Our customers have been able to enjoy all the benefits of the no-fee payVIP Mastercard GOLD since 2011. The partnership with Advanzia Bank offers many advantages for eMinded: We not only benefit from an attractive remuneration model, but also from Advanzia's long-standing expertise in online marketing.

Uli Zimmermann, Managing Director, eMinded GmbH

The partnership with Advanzia Bank allows us to offer our customers an optimal combination between a personal BonKredit loan, and a flexible financial reserve with the BonKredit Mastercard GOLD. In addition, Advanzia consistently supports us with campaigns that benefit both new as well as existing customers.

Rudi Egger, Bonkredit

Partnership between Gestion Integral de Cobros y Pagos and Advanzia Bank

We are very pleased that Advanzia Bank has extended its offer for business partners to the Spanish market. The Tarjeta Sí! Mastercard Gold is not only a great addition to our portfolio, but also an attractive product for our customers. Thanks to the option to pay contactless anywhere and at any time, our customers enjoy maximum flexibility.

Alfonso Cano, CEO, Gestion Integral de Cobros y Pagos

Partnership between EXPERT Austria and Advanzia Bank

Together with Advanzia, we developed an exciting product for our customers that offers great advantages, such as contactless payment and an attractive bonus programme. We are pleased to have found a strong partner in Advanzia Bank.

Erwin Reisinger, eCommerce, EXPERT Austria e.Gen.

The Miles & More Mastercard Gold issued by Advanzia Bank is not just a credit card, but it increases the added value of our loyalty programme with Miles & More and Lufthansa in Italy, which is one of our most relevant markets. The card gives our customers a more valuable brand experience thanks to great benefits, such as a welcome bonus, comprehensive travel insurance and the possibility to earn award miles. Furthermore, our Italian cardholders benefit from additional exclusive advantages such as no ATM fee and no foreign exchange fee.

Armin Czapla, Head of Financial Services & Innovations, Miles & More GmbH

Let’s get started on your co-branded programme today

Get in touch