The Deutsche Kreditbank (DKB) Visa Credit Card stands out as a top choice for individuals seeking a reliable, fee-free credit card in Germany.
With its user-friendly digital banking services and international usability, it’s particularly appealing to travelers, students, and digital nomads.
If you’re looking for a free German card with solid international perks, this remains a top choice, especially for residents who meet the Aktivstatus requirement.
DKB
Deutsche Kreditbank AG (DKB) is one of Germany’s leading direct banks, headquartered in Berlin.
Established in 1990, has grown to serve approximately 5.8 million customers, making it the second-largest direct bank in the country.
As a wholly owned subsidiary of Bayerische Landesbank (BayernLB), operates with a strong emphasis on digital banking solutions.
What Is the DKB Visa Credit Card?
The DKB Visa Credit Card is a charge card linked to the DKB Cash checking account.
As a charge card, it allows users to make purchases up to a certain limit, with the total amount due being debited from the associated checking account monthly.
This setup provides the convenience of a credit card without the risk of accumulating revolving debt. Finanzfluss
Key Features and Benefits
The DKB Visa Credit Card offers a range of features designed to cater to modern banking needs:
- No Annual Fee: The card comes without an annual fee, making it a cost-effective choice for users.
- Worldwide Acceptance: As a Visa card, it’s accepted at millions of locations globally, facilitating seamless international transactions.
- Free Cash Withdrawals: Cardholders can withdraw cash free of charge at ATMs worldwide, provided they maintain the “Aktivstatus” by having a monthly incoming payment of at least €700.
- Digital Wallet Compatibility: The card is compatible with Apple Pay and Google Pay, allowing for convenient mobile payments.
- Security Features: Enhanced security measures, including two-factor authentication and real-time transaction notifications, help protect against unauthorized use.
Current Promotions
As of May 2025, DKB is offering a special promotion:
€30 Bonus: New customers who apply for their first Visa Credit Card by May 31, 2025, will receive a €30 bonus, effectively covering the first year’s card fee.
Through the DKB Vorteilswelt, customers can enjoy a 7% instant discount on hotel bookings made via Travelcentive.com when paying with their Visa Card.
Requirements and Eligibility
To apply for the DKB Visa Credit Card, applicants must meet the following criteria:
Must be at least 18 years old, have a residence in Germany or Austria, and should be employed or have a regular income.
A positive credit history is required, which will be verified through a Schufa credit check. Capitalo
Applicants must provide valid identification, such as a passport or national ID card.
How to Apply for the DKB Visa Credit Card
Applying for the DKB Visa Credit Card is a straightforward process:
- Open a Cash Account: Since the credit card is linked to the DKB Cash checking account, you’ll first need to open this account online via the website.
- Complete the Application Form: Provide personal and financial information as required.
- Verify Your Identity: Use the Video-Ident procedure to verify your identity online. Alternatively, you can use the PostIdent method at a local post office. reisetopia
- Credit Check: The bank will perform a credit check to assess your eligibility.
- Receive Your Card: Upon approval, your Visa Credit Card will be mailed to you.
- Activate Your Card: Once you receive it, activate your card through the online banking portal.
Fees and Interest Rates
Understanding the fee structure and interest rates is crucial:
- Annual Fee: €2.49 per month (€29.88 annually).
- Cash Withdrawals: Free worldwide for customers with Aktivstatus; otherwise, fees may apply.
- Foreign Currency Transactions: Aktivstatus customers are exempt from foreign transaction fees; a 2.2% fee applies otherwise.
- Overdraft Interest: 8.68% effective annual interest rate for Aktivstatus customers; 9.28% for others.
Comparison: DKB Visa Credit Card vs. Competitors
Before choosing a credit card in Germany, it’s essential to compare the leading options.
Here’s how DKB Visa stands up against its top digital banking rivals:
| Feature | DKB Visa Credit Card | N26 Mastercard | Comdirect Visa Debit | Revolut (Standard) |
|---|---|---|---|---|
| Annual Fee | €0 (if active) / €29.88 if inactive | €0 (for Standard) | €0 | €0 |
| Cash Withdrawals (EU/Worldwide) | Free worldwide (if active customer) | 3x free/month, then €2 per withdrawal | Free in Eurozone / 1.75% outside | €200/month free, then 2% fee |
| Foreign Currency Fee | 0% (active) / 2.2% (inactive) | 0% | 1.75% | 0% on weekdays, markup on weekends |
| Credit Card Type | Charge Card (linked to checking account) | Debit | Debit | Prepaid Debit |
| App Integration | Full app + Web banking | Full-featured app | App + Web | App-based only |
| Apple/Google Pay | Yes | Yes | Yes | Yes |
| Travel Perks | Yes (7% hotel discount with Vorteilswelt) | Yes (with premium tiers) | No | Limited unless upgraded |
| Best For | Long-term residents, travelers, students | Digital nomads, expats, freelancers | Conservative users who prefer traditional banks | Frequent travelers who prefer multi-currency |
Why Choose DKB Over Other German Credit Cards?
The 0% foreign transaction fee and free global ATM withdrawals (with Aktivstatus) outperform Comdirect and Revolut’s free tiers.
The exclusive discounts offered through the “Vorteilswelt” program provide added value without requiring an upgrade to a paid tier, unlike N26 and Revolut.
The DKB app offers robust security features, including real-time transaction alerts, similar to those of N26 and Revolut, but combined with a strong banking backbone.
Contact Information
For more information or assistance, you can reach DKB through the following channels:
- Website: https://www.dkb.de
- Phone: +49 30 120 300 00
- Email: info@dkb.de
- Mailing Address: Deutsche Kreditbank AG, Taubenstraße 7–9, 10117 Berlin, Germany
Conclusion
The DKB Visa Credit Card offers a compelling package of benefits, including no annual fees, global usability, and robust digital banking features.
Whether you’re a frequent traveler, a student, or someone seeking a reliable credit card with transparent terms, the DKB Visa Credit Card is a worthy consideration.
Apply today through the official website and take advantage of the current promotions.
Disclaimer: Information provided is accurate as of May 2025. Please refer to the DKB website for the most current details and terms.
