You’ll learn how to apply online for the DKB Visa Credit Card, who qualifies, key fees and interest, how billing works, and how to contact DKB.
Verify final details in your online banking before you submit.
What The DKB Visa Credit Card Is
The DKB Visa Credit Card is an optional credit card you add to a DKB current account (Girokonto).
It works on a monthly charge basis: all transactions are collected in one statement and debited from your DKB account.
You can pay worldwide and withdraw cash where Visa is accepted.
- Card price: €2.49 per month (about €29.88 per year).
- Foreign payments and cash withdrawals: Worldwide payments and, in many cases, free ATM withdrawals; local ATM owner fees may still apply.
- Billing/statement date: The card is billed on the 22nd of each month; a few days later the total is debited from your account.
- If your account lacks funds: You move into your DKB overdraft (Dispo) on the linked current account.
- Current variable rates: 8.51% p.a. standard and 7.91% p.a. with Aktivstatus. That is the effective interest you face if the post-statement debit pushes your balance negative.
Your statement closes and bills on the 22nd. If that day is a weekend or holiday, billing may shift to the preceding business day.
The total due is then taken from your DKB account in one amount a few days later.
Eligibility and What You Need
You need a DKB current account first. The credit card is an add-on you request from within online banking or the DKB app.
If you are new to DKB, open the Girokonto, complete identification, and then apply for the card.
DKB positions this card as a complement to the included Visa Debit.
How to Apply Online For DKB Visa Credit Card
Open or log in to DKB online banking or the DKB App. You need an active Girokonto.
Go to Produkte > Karten and choose Visa Kreditkarte. The product page shows the monthly price and the “beantragen” (apply) option.
Apply, confirm digital agreements, and complete any checks. On approval, you get a separate credit line and a monthly statement cycle.
After activation, add the card to Apple Pay or Google Pay directly in the app if you want mobile payments.
Advantages That Matter
Global acceptance: Visa network in stores, online, and ATMs.
Single monthly debit: Easier budgeting if you keep funds ready before the 22nd.
DKB provides an emergency package (replacement card/cash) when traveling if your card is lost or stolen, subject to their conditions.
Digital wallets: Apple Pay and Google Pay support for contactless payments.
Contact Details (official)
Head office (Hausanschrift): Deutsche Kreditbank AG, Taubenstraße 7–9, 10117 Berlin, Germany.
Postal address: Deutsche Kreditbank AG, 10919 Berlin, Germany.
Telephone (general hotline published for service/security topics): +49 (0)30 120 300 00.
Fax (Impressum): +49 (0)30 120 300 01.
Practical Funding Tips
Set a reminder a few days before the 22nd to top up your account. That helps you avoid Dispo interest.
Enable alerts. Turn on card notifications (Card Control) so you see each charge in real time.
Plan travel cash. Withdraw larger amounts less often if local operator fees appear, and decline dynamic currency conversion to avoid poor exchange rates.
Track your cycle. Note your statement period in the app and reconcile receipts weekly so the month-end debit is expected, not a surprise.
How the DKB Visa Credit Card Compares Inside DKB’s Lineup
A Visa Debit is included with the Girokonto and posts each purchase directly to your balance.
The Visa Credit is paid and adds a separate limit plus a monthly charge cycle.
Choose the credit card if you want a consolidated statement, a distinct credit line for travel, and broader offline acceptance in some scenarios.
If you prefer no monthly card fee and real-time posting, the debit card is enough. Frequent travelers keep both for redundancy.
Security and Controls You Should Use
Activate two-factor authentication for online banking and app logins. Turn on transaction alerts so you see each card charge.
Lock the card instantly in the app if you notice suspicious activity.
For travel, store the DKB phone number in your contacts and know where to find the card-blocking option in the app.
Use Apple Pay/Google Pay on your phone or watch for secure tokenized payments and fewer physical card exposures.
Common Application Issues and Fixes
If your application stalls, confirm your identity verification is complete and your account is fully active.
Check your address and contact data in the profile; mismatches can delay card issuance.
If you are new to DKB, the bank may set a lower initial limit; this can be adjusted over time with stable usage and income inflows.
If you changed jobs recently, upload up-to-date income documents if requested.
Pro Cons List
Pros
- Worldwide Visa acceptance for payments and cash.
- Separate credit line with one monthly debit (charge-style).
- Works with Apple Pay and Google Pay.
- Emergency package (replacement card/cash) when traveling.
- Clear, low monthly fee (€2.49).
Cons
- Requires a DKB current account; cannot bill elsewhere.
- Month-end debit can trigger overdraft interest (~7.91%–8.51% p.a.) if funds are short.
- ATM owner fees may apply abroad.
- Fixed statement date (around the 22nd) demands cash-flow planning.
- No native installments; it’s a charge card, not revolving.
Conclusion
The DKB Visa Credit Card is a straightforward, charge-style card that fits well with the DKB current account.
Keep your account funded to avoid overdraft interest at 7.91%–8.51% p.a. and use alerts to stay on top of spending.
Apply in online banking, set up your wallet, and keep a small buffer so your billing cycle remains stress-free.
Disclaimer: This is an informational guide, not financial advice. Terms, fees, and interest are subject to change. Always confirm the current DKB Visa Credit Card conditions and the Preis- und Leistungsverzeichnis in your online banking before you apply. If you need official confirmation or help with your case, contact DKB using the contact details above or via your secure inbox in web/app banking.