In Germany’s mainstream banking market, the Deutsche Bank Credit Card portfolio covers everyday spending, travel protection, and airline co-brands while keeping the application mostly digital.
Expect clear choices across Mastercard and Visa variants, mobile wallets, and optional travel insurance add-ons.
Facts and prices below were checked for Germany in 2025, and should be verified on live product pages.
What The Deutsche Bank Credit Card Offers
Cards run on the major networks for broad merchant coverage, app visibility, and 3D Secure authentication.
Mobile payments sit front and center through Apple Pay and Google Pay, and online purchases use BestSign or photoTAN to approve transactions securely.
Travel tiers add insurance and a 6 percent travel-booking refund when trips are booked through the designated partner portal and paid on an eligible card.
Card Types and Core Features
For fast scanning, the comparison below summarizes annual fees, billing, foreign use, and headline protections for five common choices.
Figures reflect public Deutsche Bank materials in Germany as of 2025. Product availability and pricing can differ in other markets.
| Card | Annual Fee | Billing Style | Foreign Transaction Fee | Key Protections and Extras |
| Deutsche Bank Card Plus (Debit) | €18 | Immediate debit | 1.00% plus 0.50% FX conversion | Mobile wallets, free euro-area payments |
| Mastercard Standard | €39 | Monthly debit | 1.75% (min €1.50) plus 0.50% FX conversion | Product protection insurance |
| Mastercard Gold | €82 | Monthly debit | 1.75% (min €1.50) plus 0.50% FX conversion | International travel health insurance and 6% travel service refund |
| Mastercard Travel | €94 | Monthly debit | €0 foreign transaction fee plus 0.50% FX conversion | Health, trip cancellation, and baggage delay/loss insurance |
| Mastercard Platinum | €200 | Monthly debit | See price list; generally cardholder pays FX conversion | Concierge, Priority Pass lounge access, broader insurance bundle |
Eligibility and Documents
Most applicants apply online and verify identity using regulated methods accepted in Germany. Expect a standard KYC package:
- a valid government photo ID,
- proof of address, and
- income evidence if requested by underwriting.
Deutsche Bank confirms identification through Video-Legitimation or the Deutsche Post POSTIDENT process, both of which satisfy Anti-Money-Laundering requirements recognized by BaFin and used across major banks.
POSTIDENT can be completed in a post office using a printed coupon bundled with new-customer applications.
How To Apply Online Step-By-Step
The sequence below mirrors Deutsche Bank’s current public process for retail products in Germany and aligns with how bank partners handle KYC.
- Pick the card on the official comparison page and open the product form using the “Jetzt beantragen” action. The form routes to the correct variant and pricing.
- Enter personal, contact, and financial details carefully and confirm EU residency and tax particulars where required. Accurate data reduces manual follow-ups during underwriting.
- Complete identity verification using Video-Legitimation or POSTIDENT, then await confirmation that KYC passed. POSTIDENT requires the bank’s coupon and a valid ID at the post office.
- Activate online banking security so 3D Secure works at checkout; Deutsche Bank supports BestSign and photoTAN for card approvals and internet banking orders.
- Watch email and the app for decision status, then follow delivery instructions for the physical card while virtual credentials and mobile-wallet provisioning can be enabled sooner on eligible products.
Digital Security And 3D Secure
German banks employ transaction authentication numbers to sign sensitive actions. Deutsche Bank uses BestSign and the Deutsche Bank PhotoTAN system to approve payments and online banking tasks, including 3D Secure checks for e-commerce.
Existing photoTAN users can continue on supported devices, and the bank publishes current security advisories that warn against phishing attempts requesting TANs or credentials.
Installing only the official photoTAN app and approving orders inside the secure flow keeps card payments locked down.
Lufthansa Miles & More Cards: What’s Changing
Lufthansa and Miles & More announced Deutsche Bank as the new issuing partner, with the first wave starting October 1, 2025, and a phased transition continuing into spring 2026.
Cardholders retain familiar benefits, and Mastercard remains the network partner, while banking services shift to Deutsche Bank.
Existing Miles & More cardholders received guidance to watch registered emails for migration updates, and no action was required until the bank initiated specific steps. New cards and welcome bonuses are published on Miles & More channels and priced per the current list of prices and services.
Fees And Foreign Use Tips
Short, practical reminders lower surprises when traveling or ordering in non-euro currencies. These points track the current public price tables.
- For Standard and Gold, budget for a 1.75 percent foreign transaction fee plus a 0.50 percent currency conversion markup when the purchase is in a non-euro currency.
- For Travel, plan on zero foreign transaction fee while a 0.50 percent currency conversion still applies per the comparison table.
- For Platinum, review the current price list and Mastercard lounge terms before heavy travel, then compare against your itinerary to validate value.
- For ATM cash needs, prefer app-mapped partner ATMs and review any cash-withdrawal pricing in the posted list of prices and services.
- For travel bookings, route flights or hotels through the designated partner agency to receive the 6 percent refund on eligible Gold and Travel transactions.
Business and Corporate Options
Corporate and professional users can request business card solutions that integrate expense handling under corporate price lists.
Foreign use typically reflects a separate fee schedule for corporate cards, where an abroad-usage fee around 1.75 percent appears in the public tariff for enterprises, alongside currency conversion policies.
Large clients often complete VideoIdent through an approved partner and can retain Post-Ident where in-person verification remains necessary for natural persons.
Approval Tips and Common Mistakes To Avoid
Clear, consistent data tends to accelerate decisions while minimizing manual checks. Keep identity fields aligned with your passport or national ID, enter addresses exactly as registered, and upload legible documents without glare or cropping.
Enable BestSign or photoTAN immediately after online banking access is granted, then activate 3D Secure ahead of your first e-commerce purchase to avoid declines.
Avoid applying for multiple products simultaneously across issuers in the same week, since clustered inquiries can delay approvals in Germany’s cautious underwriting environment.
Frequently Asked Points on Eligibility
Travel insurance triggers typically require payment with the eligible card and may include minimum spend or itinerary conditions.
Health insurance for international trips attaches to Gold and Travel products, and Travel adds trip-cancellation and baggage delay or loss cover.
Policy details and claim steps are maintained within the bank’s insurance documentation and the Miles & More credit card terms for co-branded products.
Conclusion
In the current lineup, Deutsche Bank Credit Card options cover everyday payments and frequent travel.
Pick the tier that matches real usage, apply online, and complete VideoIdent or POSTIDENT without delays.
Activate BestSign or photoTAN immediately so 3D Secure works on first checkout and future bookings. For co-brand migrations, follow Miles and More updates, then compare fees and travel refunds against your itinerary.
