DKB credit card
The DKB credit card is only available in a bundle with the free DKB current account. Nevertheless, it is one of the most popular credit cards in Germany. This is not least due to the good conditions: no annual fee, free withdrawals worldwide and simple billing.
Although DKB (Deutsche Kreditbank AG) is based in Berlin, it is a wholly owned subsidiary of Bayerische Landesbank. After Ing-DiBa, it is the second largest direct bank in Germany, which is largely due to the success of the free current account DKB Cash.
- What are the advantages of the DKB credit card?
- What are the disadvantages of the DKB credit card?
- For whom is the DKB credit card worthwhile?
- Are there alternatives to the DKB credit card?
- Conclusion on the DKB credit card
What are the advantages of the DKB credit card?
DKB was one of the first banks in Germany to offer a free current account with a free credit card that allows you to withdraw cash worldwide for free. Even though there are now comparable offers from other banks, the bundle DKB-Cash current account + DKB credit card is still one of the best products on the market. Why this is so, we show you on this page.
No annual fee
Neither for the connected current account nor for the DKB credit card there is an annual fee or basic fee at any time. There is no minimum turnover and no hidden costs, the account with credit card is actually completely free.
Withdraw cash free of charge
DKB itself only operates 21 of its own ATMs in Germany. But that’s no problem at all, because with the DKB credit card you can use all ATMs throughout Europe without fees. The only condition: the amount withdrawn must be at least 50 euros.
As an active customer (with a monthly cash inflow of at least 700 euros) you can also use all ATMs worldwide for free withdrawals. Paying or withdrawing foreign currencies (e.g. US dollars or Swiss francs) is also free of charge for active customers.
By the way, new DKB customers are always active customers in the first year. Only in the second year (depending on the monthly cash inflow) a difference is made.
The DKB credit card is a so-called charge card, where the bank automatically debits the incurred credit card expenses from your account on the monthly debit date. This makes billing very easy and there is no interest as with classic credit cards. Of course, there must be enough money in your account: if the balance is not sufficient on the day of the debit, you will slip into overdraft and have to pay interest.
Emergency package for travelling abroad
If your DKB credit card is stolen or otherwise lost abroad, DKB will provide you with an emergency card or emergency cash (by courier within 48 hours).
As a new or active customer, this service is free of charge, otherwise you will be charged 180 euros (as of December 2020).
As a new and active customer, you can get up to 14% of the purchase price back as cashback when shopping online. The selection of partner shops is very good, even big shops like Otto, Check24, Saturn and Thalia are represented.
What are the disadvantages of the DKB credit card?
Of course, there are also some disadvantages of the DKB credit card, which we would like to discuss in detail here.
The most important point of criticism is the division of customers into “active customers” and those who are not active customers. Only as an active customer with a monthly cash inflow of at least 700 euros you can use many of the advantages. Although new customers are automatically active customers in the first year – but this one year is also quickly over.
The need to have a current account for the credit card at the same time can also be a negative point (depending on your point of view).
For whom is the DKB credit card worthwhile?
The success of the DKB Cash current account + DKB credit card bundle is largely due to the fact that it almost perfectly meets the needs of a very large target group: consumers who need a free current account with a free credit card, want to withdraw cash free of charge worldwide, appreciate simple billing and are happy to forego premium services such as insurance.
If you belong to this group of people and earn an income of more than 700 euros, we can unreservedly recommend the current account/credit card combo of DKB.
But even if you “only” want to use the DKB account, the DKB credit card can at least serve you well as a “second card”. It is not that rare that your credit card is not accepted in a hotel or supermarket due to technical problems. For these cases it is not bad to have a “backup” in your wallet.
For whom is the DKB credit card not worth it?
If you already have a current account (e.g. at a branch bank like the Sparkasse) and want to keep it, you should better go for another credit card (see next section: Alternatives to the DKB credit card).
This is especially true if you do not want to use the DKB current account as a salary account; with a cash inflow of less than 700 euros, you are no longer an “active customer” after one year, which means that many advantages are no longer available.
If you are a frequent flyer or have a relatively high turnover with your credit card, we recommend a premium credit card. This costs an annual fee, but this is more than compensated for by the many advantages and additional services.
Are there alternatives to the DKB credit card?
Even though the DKB credit card is extremely popular, it is not without alternatives. If you really only need a credit card (and no current account) you should take a look at our comparison of free credit cards and choose a more suitable product.
This could be the Barclaycard Visa or the Genialcard of the Hanseatic Bank. With both products you can withdraw cash worldwide for free (without restrictions) and you don’t pay a fee for paying in foreign currency.
Conclusion on the DKB credit card
The DKB credit card is the ideal product for those who are looking for a free current account with a free credit card. Those who only need a credit card should also look at alternatives.
Fragen und Antworten (FAQ)
Ist die DKB Kreditkarte kostenlos?
Ja, es handelt sich tatsächlich um eine 100% kostenlose Kreditkarte. Dies gilt dauerhaft: sowohl im ersten Jahr wie auch in allen Folgejahren muss keine Jahresgebühr bezahlt werden.
Was kostet Geld abheben mit der DKB Kreditkarte?
Das Abheben von Geld am Gelautomaten ist mit derBarclaycard Visa weltweit gebührenfrei. Dies gilt auch für das Abheben von Geld in Ländern mit einer anderen Währung, z.B. den USA, Schweden oder der Schweiz.
Unterstützt die DKB Kreditkarte Apple Pay und Google Pay?
Ja, beide Systeme werden unterstützt. Sobald Du deine Karte erhalten hast, kannst Du sie im Smartphone hinterlegen und damit an der Kasse bezahlen.
Alle Gebühren, Leistungen und Besonderheiten im Überblick:
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