My German Finances
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The Deutschland Kreditkarte CLASSIC is a Visa Card and is offered by Hanseatic Bank. It is one of the only German credit cards that allows you to use Apple Pay. Registering for this German credit card is easy and for free. On the bank’s homepage, you will see a green button saying Kreditkarte beantragen. The process only takes a few minutes and can be entirely done online. After filling in the form, Hanseatic Bank will let you know immediately whether you’re eligible to receive the Deutschland Kreditkarte CLASSIC. If you are, the card will be sent to you via mail. This service is free as well.
| Credit Card Type | Charge Credit Card |
|---|---|
| Account Maintenance | 0€ |
| Overdraft Credit | 15.62% – 16.90% |
With the Deutschland Kreditkarte CLASSIC, you do not have to open a new bank account. You can link your credit card with your current account. This German credit card is a Visa Card with credit limit and it can be used worldwide. Contactless payment is possible, also with Apple Pay. Hanseatic Bank offers you flexibility when it comes to paying your credit card bills. Complete repayment can be done via direct debit, you can also pay the bills in rates. Billing takes place at a fixed date every month. The debit interest for complete repayments is 0.00%; the debit interests for payments in rates is 15.62% p.a. The effective interest for complete repayments is also 0.00%; for payments in rates it’s 16.90% p.a.
With this German credit card, payments within the Eurozone are free of charge. For payments in foreign currencies a fee of 1.75% (of turnover) is charged. You can withdraw cash worldwide with the Deutschland Kreditkarte CLASSIC, the fee is 3%.
Hanseatic Bank has a customer service you can call Mondays to Sundays from 8am-8pm (+49 (0) 351 647 517 11). You can also reach out to the bank via Facebook and Twitter.
The Deutschland Kreditkarte CLASSIC is a good choice for people, who do their banking and shopping online. It is easy to register for, you will receive the card quickly and there is no need to visit a branch. Also, it comes with many advantages for online shoppers.
