Learn How to Apply for Commerzbank Credit Card

Commerzbank is one of Germany’s largest banks, known for offering reliable and secure financial services.

Its credit cards provide convenience for everyday spending, travel, and online purchases.

In this guide, you’ll learn how to apply for a Commerzbank Credit Card and what to expect during the process.

Types of Commerzbank Credit Cards

Commerzbank offers several credit cards designed for different needs, from everyday use to premium or business purposes.

Below are the key card types you can compare.

Classic Credit Card — The standard option for everyday use.
Gold Credit Card — Offers enhanced benefits and a higher credit line.
Premium Credit Card — For frequent use, travel, or higher spending requirements.
Corporate Card Classic — A business-oriented card geared for company expenses and travel.
Corporate Card Premium — A high-end business card with advanced features and insurance coverage.

Commerzbank AG credit cards offer features that make everyday payments, travel, and online shopping easier.

Below are the key features and benefits you should know.

Global Acceptance: You can use the card for purchases in Germany and abroad at millions of merchants.
Contactless Payments: Pay quickly using Apple Pay, Google Pay, or the contactless chip without entering a PIN for small amounts.
Travel Insurance: Higher-tier cards include travel accident and rental car insurance for safer trips.
Online Banking Access: Manage your credit card through Commerzbank’s online banking or mobile app anytime.
Flexible Payments: Choose between full or partial monthly payments depending on your budget.
Fraud Protection: Transactions are secured with 3D Secure and real-time monitoring.
Supplementary Cards: Add cards for family members to share benefits under one account.
Cash Withdrawals: Withdraw money worldwide from ATMs displaying the Mastercard or Visa logo.
Reward Programs: Some cards offer cashback or discounts on travel and shopping.
Emergency Support: 24/7 customer service for card blocking, replacements, and urgent help abroad.

To apply for a credit card at Commerzbank, you need to meet specific eligibility criteria.

Making sure you qualify helps speed up your application. Below are the main requirements.

Minimum age: You must be at least 18 years old.
Residence in Germany: You must have a German address and be registered as a resident.
Bank account with Commerzbank: You’ll generally need to hold a checking account (Girokonto) with the bank.
Sufficient income and creditworthiness: You must demonstrate that you can repay credit, and the bank may check your credit rating (Schufa).
Valid identity documents: You need a valid ID (passport or national ID) and other proof of identity/residence.

Here are the main steps in the Commerzbank Credit Card online application process, with short, clear descriptions for each.

Visit the Website: Go to Commerzbank’s official site and open the credit card section.
Choose a Card Type: Select between Classic, Gold, Premium, or Business depending on your needs.
Fill Out the Form: Enter your personal, contact, and financial details accurately.
Upload Documents: Provide valid ID, proof of residence, and income verification.
Verify Your Identity: Complete the PostIdent or VideoIdent process for security confirmation.
Submit the Application: Review all information, then send it for processing and approval.
Receive and Activate Card: Once approved, you’ll get your card by mail and can activate it using your PIN or online banking.

Here are the main steps for applying for a Commerzbank Credit Card at a branch, with short, clear descriptions for each.

Visit a Branch: Go to your nearest Commerzbank location during business hours.
Bring Required Documents: Prepare your ID, proof of residence, and recent income statements.
Request the Application Form: Ask a staff member for the credit card form and guidance.
Complete and Submit: Fill out the form with assistance, then submit it directly at the counter.
Identity Verification: The bank employee will verify your identity on the spot.
Await Approval: Your application is processed, and you’ll receive updates by mail or email.
Receive and Activate Card: Once approved, your card and PIN will arrive by mail for activation.

Here are the main fees, interest rates, and payment options for this card.

Knowing these numbers helps you decide if the card fits your budget and spending habits.

Annual Fee: The “Classic” card costs about €39.90 per year.
Foreign Transaction Fee: 1.75% for purchases outside the Euro zone.
ATM Cash Withdrawal Fee (Domestic): 1.95% of the amount withdrawn (minimum €5.98) for some card types.
ATM Cash Withdrawal Fee (Abroad): 1.95% + foreign-currency exchange fee for withdrawals outside Germany.
Effective Annual Interest Rate: Around 11.90% for specific personal credit card variants.
Payment Options: You can pay off your balance monthly (full or partial payment) — standard practice with credit cards.

After you submit your application, there are several steps you should expect while the bank processes it.

Review & verification: The bank checks your application details, income, and credit history.
Identity check completion: If you applied online, you’ll complete a verification step like VideoIdent or PostIdent (or branch verification).
Decision notification: You’ll receive a message (email or mail) informing you if your application is approved or if more information is needed.
Card issuance: Once approved, the bank prints and mails your credit card and PIN to your registered address.
Activate your card: After receiving it, you’ll need to activate the card (often via online banking or phone) before use.
First use and account setup: After activation, you can start using your card and set up alerts or payment preferences in your account or app.