Picking a Deutsche Bank credit card in Germany can be puzzling, especially if you’re an English speaker living here. You want perks and benefits, but which card is the real winner?
In this blog, we’re breaking down all the options to help you choose. Whether it’s travel perks, cashback, or something else, we’ll explore what each card offers.
By the end, you’ll have a clear idea of which card suits you best for your life in Germany as an expat. Let’s find your ideal card in the Deutsche Bank lineup!
We cover in this article:
Recommendations
Quick Summary
- Best For General/Basic Use: Deutsche Bank MasterCard Standard
This card is for you if you just want to have a credit card for the sake of it. Since some hotel bookings, car rentals, and other online purchases require a credit card, you can get this basic card for a mere €39 per year.
As a bonus, you get insurance for the things you buy using this card,
- Best Overall: Deutsche Bank MasterCard Gold
The Gold card is for you if you travel occasionally or go on vacations every year. This card covers your travel health insurance and also lets you save 6% if you book your trip with Deutsche Bank’s partner agency.
You still get the goods protection insurance with it.
- Best For Travel: Deutsche Bank MasterCard Travel
If you travel frequently, this card can be your best friend. It comes with free foreign transactions, reduced fees on cash withdrawals abroad, and incredible travel insurance benefits.
Although it comes at a high cost, it does give you good value for money.
Comparison Table
Deutsche Bank MasterCard Standard | Deutsche Bank MasterCard Gold | Deutsche Bank MasterCard Travel | |
Annual Fee | €39 | €82 | €94 |
Annual Fee if you have a db BestKonto account | €39 | Free | €60 |
Family Member’s card | €15 | €46 | €60 |
Payments in EU/EEA (Euro) | Free | Free | Free |
Foreign Transaction fee (Made in foreign currencies) | 1.75%, min €1.50 | 1.75%, min €1.50 | Free |
Currency Conversion Fee | 0.5% | 0.5% | 0.5% |
Cash Withdrawals (In Euros or Within EU States) | 2.5% Min. withdrawal amount EUR 5.75 | 2.5% Min. withdrawal amount EUR 5.75 | 2.5% Min. withdrawal amount EUR 5.75 |
Cash Withdrawals (In Foreign Currency or outside the EU) | Above Fee + 1.75% Foreign Transaction Fee | Above Fee + 1.75% Foreign Transaction Fee | Above Fee + 0.5% Currency Conversion Fee |
Product Protection Insurance | Yes | Yes | ✘ |
Health insurance for international travel | ✘ | Yes | Yes |
Travel Cancellation Insurance | ✘ | ✘ | Yes |
Trip Curtailment Insurance | ✘ | ✘ | Yes |
Insurance Coverage For Lost/Late Baggage | ✘ | ✘ | Yes |
How Do You Apply For A Deutsche Bank Credit Card In Germany?
The application process for a Deutsche Bank credit card in Germany is simple and can be completed in a few easy steps.
But keep in mind the conditions before you can apply.
Requirements
You have to be:
- At least 18 years old
- Employed (not self-employed)
- Creditworthy with a good credit score or standing
- Holding a valid, current account anywhere within the EEA area.
Important
Remember, you can apply for a Deutsche Bank credit card even if you don’t have an account with them.
Got it? Let’s get to the application now.
Application Process
Step 1: Log on to the bank’s special English website version for residents in Germany.
Step 2: Go to “Cards” on the top menu bar.
Step 3: Under your desired credit card option, click “Apply now in German.”
You will reach the following page:
Answer whether you’re already a customer or not.
Step 4: Then, choose your desired (product) card and monthly limit.
You’ll have the following options for a monthly limit:
- €500
- €1000
- €1500
- €2000
- €2500
Choose one and scroll down.
Step 5: Fill in the personal information as shown in the image below:
After this, you will be asked for your EEA IBAN and some legal information, and then you can review the final application summary to submit it.
That’s it. If approved, your card will arrive in a few days.
Deutsche Bank Credit Cards Review For 2026
Deutsche Bank offers three credit cards: Deutsche Bank Mastercard Standard, Gold, and Travel.
All of these cards come with the following:
Features & Benefits
- Full transparency and control with the “My Card” (Meine Karte) mobile app
- Apple Pay for iOS and mobile payment with Android
- Cashless and contactless payments around the world
- Security guarantee (Immediate blocking upon loss)
- Free SMS service for suspicious transactions
- Contactless payments
- Worldwide acceptance and cash withdrawal
- 24-hour customer service
Fees & Payments
- Monthly debits from your current account
- Individual credit card limit
Deutsche Bank Credit Cards Fees | |
Local Transactions in Euros or within the EU | Free |
Currency Conversion Fee | 0.5% |
Change card image | €7.99 |
Now, let’s review the individual features of each card.
1. Deutsche Bank MasterCard Standard
This is the bank’s most basic and cheapest credit card option.
Deutsche Bank MasterCard Standard
2. Deutsche Bank MasterCard Gold
This is one of the top-tier cards that offers all the features of the STANDARD card plus some additional benefits.
Deutsche Bank MasterCard Gold
3. Deutsche Bank MasterCard Travel
This is the most expensive among the three credit cards and is recommended for travelers.
It has all the features and benefits of STANDARD and GOLD cards except for Goods Protection Insurance.
Deutsche Bank MasterCard Travel
