Deutschland-Kreditkarte Classic
Well-known free Visa credit card with no account requirement, recommended by Stiftung Warentest.
Score: 8.7 / 10 · Very good
Rating: 8.7 / 10 · 4.680 reviews
Best for: Travel & everyday
Overview
The Deutschland-Kreditkarte Classic is a genuine credit card from Hanseatic Bank on the Visa network. Well-known free Visa credit card with no account requirement, recommended by Stiftung Warentest. It comes with no annual fee on a permanent basis and also waives the usual foreign currency fee abroad.
Who is it for?
Our take: Travel & everyday. Its strengths lie in travel and use abroad and mobile payments. It is issued without a German IBAN, so no additional checking account is strictly required. As a genuine credit card it offers a credit line (effective annual interest 21.96 %).
How the score is calculated
Overall score: 8.7 / 10 · Very good
| Costs (30 %) | 10.0 / 10 |
|---|---|
| Foreign currency (18 %) | 10.0 / 10 |
| Cash worldwide (14 %) | 10.0 / 10 |
| Interest (10 %) | 5.1 / 10 |
| Cashback & bonus (10 %) | 0.0 / 10 |
| Features (6 %) | 1.8 / 10 |
| Community signal (12 %) | 8.8 / 10 |
Interest safeguard: −0.2 points due to high effective interest on installments.
Highlights
- Permanently €0 annual fee
- 0 % foreign currency fee worldwide
- Fee-free withdrawals abroad
- Independent of your checking account
Costs & Fees
| Annual fee | €0 |
|---|---|
| Welcome bonus | — |
| Eff. annual interest | 21.96 % |
| Type | Credit card |
| Network | Visa |
| Issuer | Hanseatic Bank |
There is no annual fee. You pay no surcharge abroad or in foreign currency. Cash withdrawals abroad are free of charge. In Germany, cash withdrawals cost €3.95 per withdrawal. The effective annual interest rate is 21.96 % (for instalment payments). Billing: Monthly billing with optional installment (revolving) repayment.
Redirect to provider · non-binding
This card in our comparisons: Free Credit Cards · Travel Credit Cards · Student Credit Cards · Credit Cards With Instalments
Related guides: Foreign fee study 2026: what credit cards cost abroad · Using a credit card abroad: how to avoid fees · Student credit cards in Germany: what matters
Similar credit cards
- Hanseatic Bank GenialCard – Popular fee-free credit card with free cash withdrawals abroad.
- Easybank Credit Card – Flexible credit card with no account requirement — successor to the Barclays Visa.
- Bank Norwegian Visa – The all-round fee-free travel credit card with no extra checking account.
- awa7 Visa – Sustainable free credit card — a tree is planted for every payment.
Frequently asked questions
- What does the Deutschland-Kreditkarte Classic cost per year?
- The Deutschland-Kreditkarte Classic has no annual fee on a permanent basis — there are no fixed yearly costs.
- Does the Deutschland-Kreditkarte Classic charge foreign currency fees?
- No. With the Deutschland-Kreditkarte Classic you pay no foreign currency fee worldwide.
- Is the Deutschland-Kreditkarte Classic a genuine credit card?
- Yes, the Deutschland-Kreditkarte Classic is a genuine credit card with a credit line (effective annual interest 21.96 %).
- Does the Deutschland-Kreditkarte Classic require a SCHUFA check?
- Yes, Hanseatic Bank runs a SCHUFA credit check for the Deutschland-Kreditkarte Classic; a negative SCHUFA record can lead to rejection.
- How is money on the Deutschland-Kreditkarte Classic protected?
- Statutory deposit guarantee Germany (EdB), up to €100,000. Additionally voluntary BdB deposit protection fund (up to €3 million for private customers, as of 2026).