What is changing with international credit cards?

In France, the national “carte bleue” was long considered THE go-to payment card. However, for the past four years, it has increasingly been making way for international bank cards. In fact, among the wide range of banking cards offered by financial institutions, the national CB is said to represent no more than 5% of their current offerings. For current holders of this famous card, here is what they should expect as this shift continues.

The National CB in a nutshell

As one of the most established banking staples, the free “carte bleue” is a payment card used by the vast majority of individual checking account holders in France. Its functionality is straightforward, allowing users to withdraw cash from ATMs and make purchases at a wide range of retail establishments throughout France. Although it was one of the first payment cards used in the country, it has no longer been marketed since February 2009, having been replaced by international bank cards.

International Credit Cards

While the national debit card is highly convenient for daily use, it is important to note its limitations, specifically that it is only authorized for use within France and Monaco. By directing clients toward international credit cards, banking institutions provide users with a card that can be used anywhere in Europe. In other words, international bank cards allow for both withdrawals and various payments throughout the Eurozone, making them an invaluable asset for frequent travelers. Outside of the Eurozone, however, both payments and cash withdrawals incur commissions charged directly to the cardholder’s account.

A major advantage

For those deciding to switch from a domestic bank card to an international one, it is important to note that the latter offers a major advantage. Indeed, paying by card abroad is a less costly and particularly seamless way to make purchases. Withdrawals and payments are charged under the same conditions as in France. Specifically, payments are free of charge, while cash withdrawals are billed in the same manner, whether at an ATM from the issuing bank or from a different banking network. This provides a solution that allows users to better manage their assets.

Access additional services

Finally, choosing to upgrade from a national debit card to an international credit card also means gaining access to additional services. While standard local cards may not offer assistance or insurance coverage, all international cards now provide access to various benefits, such as repatriation insurance, medical assistance, and trip cancellation insurance. travel… Depending on the chosen card, cardholders can access various insurance coverages, such as international third-party liability, lost baggage, and potentially flight or train delays exceeding 4 hours. The key is to select the right card based on your specific needs and travel habits.