The main costs are:

• Card issuance fee and annual administration fee: Check the fee schedule (there are often offers for exemption under certain conditions).
• APR: Applies only to the amount not paid in full by the end of the grace period (see question 6). Purchases paid in installments to partners or those paid in full on time are interest-free.
• Cash withdrawal fee: Cash withdrawals are expensive and recommended only in emergencies.

You can find all costs on the Star card page.