Case C-287/19: Judgment of the Court (First Chamber) of 11 November 2020 (request for a preliminary ruling from the Oberster Gerichtshof — Austria) — DenizBank AG v Verein für Konsumenteninformation (Reference for a preliminary ruling — Consumer protection — Directive (EU) 2015/2366 — Payment services in the internal market — Article 4(14) — Concept of ‘payment instrument’ — Personalised multifunctional bank cards — Near-field communication (NFC) functionality — Article 52(6)(a) and Article 54(1) — Information to be provided to users — Change in the conditions of a framework contract — Tacit consent — Article 63(1)(a) and (b) — Rights and obligations related to payment services — Derogation for low-value payment instruments — Conditions under which applicable — Payment instrument that does not allow its blocking — Payment instrument used anonymously — Limitation of the temporal effects of the judgment)