Updated September 28, 2026 · SumCue Editorial Team
DKB (Deutsche Kreditbank) vs ICICI Bank
DKB (Deutsche Kreditbank)
Higher score in this comparison
ICICI Bank
Where DKB (Deutsche Kreditbank) and ICICI Bank differ
| Compare | DKB (Deutsche Kreditbank)ReviewVisitVisit | ICICI BankReviewVisitVisit |
|---|---|---|
| Annual fee | €29.88 | ₹3,500 |
| APR | 6.99%Lower | 9.99% to 16.5% |
| Rewards type | None | Points |
| Perks | 3 free digital newspapers/magazines monthly via Digital Kiosk, Emergency card and emergency cash if lost abroad, Visa Secure authentication for online purchases, Card Control for transaction alerts and security settings, Worldwide fee free payments and cash withdrawals at Visa points | Welcome vouchers worth over INR 13,000 from Tata CLiQ, EaseMyTrip, Da Milano, Croma and EazyDiner, 2 complimentary international and 4 domestic airport lounge visits, Up to 4 complimentary golf rounds per month, 24/7 concierge service (i Assist), Air accident insurance cover up to INR 3 crore, 1% fuel surcharge waiver on fuel transactions up to INR 4,000, BookMyShow movie offers, up to INR 500 off the second ticket |
| Currency conversion fee | Not confirmed | 3.5% |
| Rewards rate | Not confirmed | 4 points per INR 100 international spend, 2 points per INR 100 domestic spend, 1 point per INR 100 utility and insurance spend |
| Credit needed | Not confirmed | Good |
Same on both: Card kind (Credit).
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Key differences
- DKB (Deutsche Kreditbank) scores higher overall: 9.0 vs 8.9.
- Founded is lower at DKB (Deutsche Kreditbank): 1990 vs 1994.
- APR is lower at DKB (Deutsche Kreditbank): 6.99% vs 9.99% to 16.5%.
- Perks: only DKB (Deutsche Kreditbank) offers 3 free digital newspapers/magazines monthly via Digital Kiosk, Emergency card and emergency cash if lost abroad, Visa Secure authentication for online purchases.
- Perks: only ICICI Bank offers Welcome vouchers worth over INR 13,000 from Tata CLiQ, EaseMyTrip, Da Milano, Croma and EazyDiner, 2 complimentary international and 4 domestic airport lounge visits, Up to 4 complimentary golf rounds per month.
- Support channels: only DKB (Deutsche Kreditbank) offers Email.
- Support channels: only ICICI Bank offers Phone, Chat.
- Features: only DKB (Deutsche Kreditbank) offers Travel.
- Features: only ICICI Bank offers Rewards.
Our verdict on each
DKB (Deutsche Kreditbank)
DKB suits adults in Germany who want a fee based Visa credit card for travel spending, a free current account and a no fee depot under one bank. Personal loans sit at a fixed rate and an APR of 6.99% with free early repayment.
ICICI Bank
ICICI Bank is a full-service Indian bank covering saving, spending and borrowing, so it suits customers who want one provider. The savings account pays 2.5% on a variable rate, with easy access to cash, bill payments and transfers by UPI, IMPS, NEFT and RTGS, and personal loans disburse instantly.
Score breakdown
| Area | DKB (Deutsche Kreditbank) | ICICI Bank |
|---|---|---|
| Cost | 8.9HigherCard annual fee €29.88 against site median €0; the current account and depot charge €0 and €0. | 8.6Card costs weigh heavy: an annual fee of INR 3,500 on the Sapphiro card, and personal loan rates of 9.99% to 16.5%. |
| Offer | 8.7 | 9.4Higher |
| Trust | 9.1Higher | 9.0 |
Which one suits you
Pick DKB (Deutsche Kreditbank) if cost and apr matter most.
Pick ICICI Bank if offer matter most.
Licences and countries
| Country | DKB (Deutsche Kreditbank) | ICICI Bank |
|---|---|---|
| India | Not confirmed |
Additional countries for DKB (Deutsche Kreditbank): 1. Additional countries for ICICI Bank: 1.
How they place
| Ranking | DKB (Deutsche Kreditbank) | ICICI Bank |
|---|---|---|
| Savings | 7 of 1492 | 32 of 1492 |
| Loans | 16 of 2043 | 124 of 2043 |
| Personal loans | 13 of 1317 | 104 of 1317 |
| Mortgages | 2 of 853 | 13 of 853 |
| Credit and debit cards | 5 of 1594 | 43 of 1594 |
Every fact side by side
| Fact | DKB (Deutsche Kreditbank) | ICICI Bank |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Travel | Rewards |
| Audience | Kids | Not confirmed |
| Legal entity | Deutsche Kreditbank AG | ICICI Bank Ltd. |
| Headquarters | Germany | India |
| Founded | 1990Lower | 1994 |
| Support channels | Email, Help centre | Phone, Help centre, Chat |
Loans
| Fact | DKB (Deutsche Kreditbank) | ICICI Bank |
|---|---|---|
| Loan amount | €2,500 to €100,000 | ₹50,000 to ₹5,000,000 |
| Term | 12 to 120 monthsHigher | 12 to 72 months |
| Arrangement fee | Not confirmed | Up to 2% of loan amount plus taxes (Personal Loan processing charge) |
| Credit check | Soft prequal | Hard |
| Funding time | Privatkredit Sofort: usually within 30 minutes; Privatkredit Klassisch: within 1-2 days | Instant disbursement |
| Representative example | Nettodarlehensbetrag 15.000 Euro, Laufzeit 120 Monate, effektiver Jahreszins 6,99 % p. a., mtl. Rate 172,43 Euro, Gesamtbetrag 20.691,92 Euro | Not confirmed |
| Rate type | Fixed | Variable |
| Lender type | Direct lender | Direct lender |
| Free early repayment | YesHas it | No |
| Eligibility | Of age and main residence in Germany; not self-employed or freelance; in permanent employment or on an indefinite pension; German mobile number and online-banking access to the salary account | Indian citizens aged 18-58 years; salaried minimum monthly income 30,000 rupees |
| Origination fee (%) | Not confirmed | 2% |
| Loan types | Personal, Car, Debt consolidationCovers more | Personal, Debt consolidation |
| Use cases | Home improvement | Home improvement |
Brokers
| Fact | DKB (Deutsche Kreditbank) | ICICI Bank |
|---|---|---|
| Minimum deposit | Not confirmed | ₹2,500 to ₹15,000 |
| Account fee | €0 | Not confirmed |
| Markets | Stocks, ETFs, Funds, Bonds | Not confirmed |
| Platforms | Web Banking, DKB App | Not confirmed |
Debit cards
| Fact | DKB (Deutsche Kreditbank) | ICICI Bank |
|---|---|---|
| Monthly fee | €0 | Not confirmed |
| Card type | Debit | Not confirmed |
| Card network | Visa | Not confirmed |
Savings
| Fact | DKB (Deutsche Kreditbank) | ICICI Bank |
|---|---|---|
| Headline rate | Not confirmed | 2.5% |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Access terms | Not confirmed | Easy access to funds: cash withdrawals, utility bill payments and online fund transfers through UPI, IMPS, NEFT and RTGS |
| Account kind | Not confirmed | Easy access |
Mortgages
| Fact | DKB (Deutsche Kreditbank) | ICICI Bank |
|---|---|---|
| Initial rate | Not confirmed | 7.55% |
| Fixed period | 5 to 30 years | Not confirmed |
| Maximum loan to value | Not confirmed | 80% to 90% |
| Purpose | Purchase, Remortgage | Purchase, Remortgage |
Where each stands against the rest
| Fact | DKB (Deutsche Kreditbank) | ICICI Bank | Median |
|---|---|---|---|
| APR | 6.99%below the median | 9.99% to 16.5%below the median | 11.635% |
| Currency conversion fee | Not confirmed | 3.5%highest quarter | 1% |
Median across 486 listed providers.
Pros and cons
DKB (Deutsche Kreditbank)
Pros
- The 3 free digital newspapers/magazines monthly via Digital Kiosk, Emergency card and emergency cash if lost abroad and Visa Secure authentication for online purchases list covers fee free payments worldwide and emergency cash if the card is lost abroad.
- Personal loans cover personal, car and debt consolidation with free early repayment, a soft prequalification check and terms of 12 to 120.
- The current account and depot are free, deposits carry EU DGS up to EUR 100,000, and the bank was founded in 1990.
Cons
- Loan eligibility is narrow: adults with main residence in Germany, permanent employment or an indefinite pension, a German mobile number and online banking access to the salary account.
- The annual fee of €29.88 is above the site median of €0, and the rewards type is none.
- Support runs on email and help centre only, with no phone line listed.
ICICI Bank
Pros
- Personal loans disburse with Instant disbursement, on amounts of INR 50,000 to INR 5,000,000 over terms of 12 to 72.
- The savings account is easy access, taking a minimum deposit of INR 2,500 to INR 15,000.
- The card pays points on spending, with lounge visits, golf rounds, concierge help and welcome vouchers added.
Cons
- Foreign spend on the card carries a currency conversion fee of 3.5%.
- Personal loan applications run a hard credit check, and good credit is the bar.
- Free early repayment is not offered, so settling a personal loan early carries a charge.
Who each suits
DKB (Deutsche Kreditbank)
Who it suits
- Adults in Germany who want a fee based Visa credit card for travel spending alongside a free current account.
- People in permanent employment planning a car purchase, home improvement or debt consolidation at a fixed rate.
- Savings and investment beginners who want a free depot covering stocks, etfs and funds.
Who should look elsewhere
- Reward seekers, since the rewards type is none, while bunq and Wise set annual fees of €0 and £0.
- Self employed and freelance applicants, and anyone without main residence in Germany, since the loan eligibility rules them out; Varo Believe Secured Credit Card suits readers who want a secured card instead.
ICICI Bank
Who it suits
- Salaried Indian citizens of adult age who want savings, a card and loans from one bank.
- Savers comfortable with a variable savings rate and borrowers happy with a fixed rate loan.
- Cardholders who want a credit card with lounge, golf and concierge perks on top of points.
Who should look elsewhere
- wise, if a card with no annual fee matters most, since its annual fee is £0.
- bunq, if you would rather hold a euro account with an annual fee of €0 on the card.
- Varo Believe Secured Credit Card, if a secured card with an annual fee of $0 is the better fit.
Current offers
DKB (Deutsche Kreditbank)
Current offer
Bonus
Welcome bonus for new credit card holders: €30
Make three purchases of €5 or more each within 6 weeks of application. Valid for applications between 08/17/2026 and 12/31/2026. Bonus credited approximately 3 months after application
Source, checked September 26, 2026
First period offer
First year annual fee waived: €29.88
First year card fee covered by promotion if bonus conditions are met
Source, checked September 26, 2026
ICICI Bank
Current offer
Bonus
Sapphiro Credit Card welcome vouchers: Vouchers worth over INR 13,000
Upon payment of the joining fee of INR 6,500 + GST; vouchers worth INR 3,000 from Tata CLiQ, INR 4,000 from EaseMyTrip, INR 5,000 from Da Milano, INR 1,500 from Croma and an EazyDiner Prime Membership worth INR 1,095; issued within 45 business days
Source, checked September 26, 2026
Discount code
BookMyShow buy one get one movie offer on Sapphiro Credit Card: Up to INR 500 off the second ticket
From Apr 1, 2026 requires spending INR 25,000 or more on the Sapphiro Credit Card in the preceding spends quarter; one movie offer per month per card variant for dual-network cards
Source, checked September 26, 2026
Bonus
Sapphiro Credit Card milestone reward points: 4,000 reward points on INR 4 lakh annual spend, plus 2,000 points per additional INR 1 lakh, up to 20,000 points
Awarded in an anniversary year on qualifying annual spend
Source, checked September 26, 2026
Country by country
| Country | DKB (Deutsche Kreditbank) | ICICI Bank |
|---|---|---|
| Germany | Yes | No |
| India | No | Yes |
Questions about each
DKB (Deutsche Kreditbank)
What does the DKB credit card cost each year?+
The card's annual fee is €29.88, higher than the site median of €0. Payments and cash withdrawals are free at Visa points worldwide, and the card runs on visa. There is no rewards scheme, as the rewards type is none.
Are the current account and the depot free to keep?+
Yes. The current account charges €0 a month and the depot charges €0 a year. You can run both from Web Banking and DKB App, the depot covers stocks, etfs and funds, and the account's listed feature is travel.
ICICI Bank
What does the card cost to hold each year?+
The annual fee on the card is INR 3,500, which sits above cards that charge nothing. Foreign currency transactions add a conversion fee of 3.5% on top. It is a credit card, so balances are meant to be cleared in full rather than carried.
What rewards does the card pay?+
Rewards come as points, earning more on international spend than on domestic, utility and insurance purchases. The credit card also carries welcome vouchers with travel, dining and retail partners, lounge visits, golf rounds, a round the clock concierge service, air accident cover and a fuel surcharge waiver.
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