The Deutsche Credit Card is a smart choice for anyone seeking convenience, security, and valuable perks.
With options tailored for everyday use, travel, and digital payments, it suits a wide range of needs.
This guide outlines the application process and details the benefits and offers you can expect.
Types of Deutsche Bank Credit Cards
Deutsche Bank offers credit cards tailored to various needs, ranging from basic use to premium travel perks.
Whether you’re looking for low fees or extra benefits, there’s a card for you. Here are the main types of Deutsche Credit Cards:
Deutsche Bank Card Plus (Mastercard Standard)
- Basic credit card with optional installment payment feature and contactless payment.
Deutsche Bank Mastercard Travel
- Ideal for travelers, it includes travel insurance and no foreign transaction fees.
Deutsche Bank Mastercard Gold
- Premium card with comprehensive insurance packages and higher spending limits.
Deutsche Bank Mastercard Prepaid
- Reloadable card with complete control over spending, suitable for students and younger users.
Co-branded and Business Credit Cards
- Special partnerships and business cards for corporate or self-employed clients (may vary by customer status).
Key Benefits and Features
This card comes with valuable features that make spending more secure, convenient, and rewarding.
Whether you shop locally or abroad, these benefits add real value. Here are the key advantages:
- No Annual Fee (on some cards) – Basic cards may have no yearly charge if used regularly.
- Travel Insurance – Premium cards include coverage for trips, delays, and emergencies.
- Global Acceptance – All cards run on the Mastercard network and are accepted worldwide.
- Digital Wallet Compatibility – Supports Apple Pay and Google Pay for mobile payments.
- 3D Secure and Fraud Protection – Added layers of security for online and in-store purchases.
- Installment Payment Option – Split purchases into smaller, flexible monthly payments.
- Cash Withdrawals Worldwide – Access ATMs internationally with select cards.
- Card Control via App – Manage limits, view activity, or block your card instantly through the Deutsche Bank app.
Eligibility Requirements
Before applying, you need to meet a few basic conditions. Most cards are open to residents in Germany with stable incomes and a good credit record.
Here are the main requirements:
- Minimum Age – You must be at least 18 years old.
- Residence – A registered address in Germany is required.
- Income Proof – Must show regular income through payslips or bank statements.
- Credit Check – A positive Schufa credit score improves approval chances.
- Valid ID – German ID card or passport plus residence permit if applicable.
- Bank Account – Having a Deutsche Bank current account may speed up processing.
How to Apply Online
You can apply for this credit card in just a few steps using Deutsche Bank’s online platform.
The process is quick and can be completed from home, provided you have your documents ready. Follow these steps to get started:
- Visit the Official Website: Go to the Deutsche Bank website and navigate to the Credit Cards section.
- Select a Card: Review available options and choose the one that fits your needs.
- Start Your Application: Click the apply button for the selected card to open the application form.
- Fill In Your Details: Enter your personal, contact, and financial information as requested.
- Complete Identity Verification: Use the PostIdent or VideoIdent method to confirm your identity.
- Submit the Application: Review all entered data and submit the form for processing.
- Wait for Approval and Delivery: If approved, your card will be mailed to your registered address within a few business days.
Application Through a Deutsche Bank Branch
If you prefer in-person assistance, you can apply for a credit card at any Deutsche Bank branch.
This option is helpful if you want direct support or need help choosing the right card. Here’s what to do:
- Find a Nearby Branch: Use the branch locator on the Deutsche Bank website to find the closest location.
- Book an Appointment (Optional): While walk-ins may be accepted, scheduling a meeting can reduce waiting time.
- Bring the Required Documents: Prepare a valid ID, proof of income (such as payslips), and proof of residence.
- Speak with a Bank Advisor: Discuss your financial needs and choose the most suitable card option.
- Complete and Sign the Application Form: Fill out the paperwork with the help of the advisor and sign the agreement.
- Submit Identity Verification (if not already done): If you’re a new client, you’ll need to complete the standard identity verification check.
- Wait for Approval and Delivery: Once your card is approved, it will be mailed to the address you provided.
Special Offers and Promotions
Deutsche Bank credit cards offer various promotions to enhance your spending experience.
These offers provide added value, especially for frequent travelers and online shoppers. Here are some current promotions:
- Travel Service Refunds: Certain cards offer a 6% refund on travel services booked through Deutsche Bank’s travel portal.
- No Foreign Transaction Fees: Select cards waive foreign transaction fees, making them ideal for international use.
- Welcome Bonuses: New customers may qualify for starting bonuses upon meeting specific deposit and account activity requirements.
- Retail Discounts: Get up to 30% off at Lenovo and savings at brands like Bewakoof, Beyoung, and Max Fashion.
- Hotel Booking Offers: Enjoy 10% off in India, the UAE, and the Maldives; 8% off in other countries through select partners.
Fees and Charges
Understanding the fees associated with Deutsche Bank credit cards is crucial for effective financial planning.
Below is a detailed breakdown of the common fees and charges you may encounter:
- Annual Fees: Ranges from €10 for basic to around €130 for premium cards.
- Foreign Transaction Fees: 1.75% per transaction, with a minimum of €1.50.
- Currency Conversion Fees: Extra 1.75% for currency conversions.
- Late Payment Fees: Charged if minimum payment is missed; varies by card.
- Cash Advance Fees: 2.5% per withdrawal, with a minimum fee of €5.75.
- Replacement Card Fees: Free for lost or damaged card replacements.
- Card Blocking Fees: No charge for blocking a lost or stolen card.
ATM Withdrawal Fees:
- Cash Group ATM Withdrawals: Free at Deutsche Bank and partner ATMs in Germany.
- Other ATM Withdrawals: 1% fee, minimum €5.99, outside the Cash Group.
Customer Support and Contact Info
If you need help with your credit card or application, Deutsche Bank’s main branch offers direct support. Here’s how to contact them:
- Phone: +49 (69) 910-10000
- Available Monday to Friday, 8:00 AM – 8:00 PM (Germany time)
- Address: Deutsche Bank AG, Taunusanlage 12, 60325 Frankfurt am Main, Germany
- Online Support: Use the contact form available on the official Deutsche Bank website.
To Sum Up
Deutsche Bank credit cards offer flexibility, security, and valuable features for both everyday use and international spending.
With multiple card types and easy online or in-branch application options, it’s simple to find one that fits your needs.
Apply today to take advantage of the latest offers and start managing your finances with confidence.
Disclaimer
Card features, fees, and promotions may vary by card type and are subject to change without notice.
Always refer to the official Deutsche Bank website for the most current and accurate information.
