Can someone explain to me how Gebührenfrei MasterCard Gold works and what is the monthly or annual fees.Thanks

Answer 1

Gebuhrenfrei should mean no-fee.
I guess you have no annual fee.
But read carefully about each type of transaction; there will probably be fees for cash advances, balance transfers, and maybe foreign currency transactions.
You may also have an interest-free introductory rate, so find out how long that lasts and when interest starts to kick in.

Answer 2

credit card is the banks way of riping you off use prepaid its much safer and cheaper