I checked and you are right, it's 0.3% for CC, 0.2 for debit. But yes, the regulation came into effect partially in 2015 and fully in 2016. https://eur-lex.e

I checked and you are right, it's 0.3% for CC, 0.2 for debit. But yes, the regulation came into effect partially in 2015 and fully in 2016. https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=uriserv:OJ.L_.2015.123.01.0001.01.ENG https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=uriserv:... It's quite noticeable: all the CC related reward programs have disappeared.