Updated September 29, 2026 · SumCue Editorial Team
DKB vs ICICI Bank Credit Cards
DKB
Higher score in this comparison
ICICI Bank Credit Cards
What sets them apart
| Compare | DKBReviewVisitVisit | ICICI Bank Credit CardsReviewVisitVisit |
|---|---|---|
| Annual fee | €29.88 | ₹3,500 |
| APR | 6.99%Lower | 9.99% to 16.5% |
| Currency conversion fee | 0% to 2.2%Lower | 3.5% |
| Rewards type | None | Points |
| 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 |
| Perks | Not confirmed | 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 |
| Regulators | European Central Bank, Federal Financial Supervisory Authority (BaFin) | Not confirmed |
Same on both: Card kind (Credit).
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Key differences
- DKB scores higher overall: 9.3 vs 9.1.
- APR is lower at DKB: 6.99% vs 9.99% to 16.5%.
- Currency conversion fee is lower at DKB: 0% to 2.2% vs 3.5%.
- Pricing model: only DKB offers No monthly fee.
- Pricing model: only ICICI Bank Credit Cards offers Fixed rate.
- Features: only DKB offers Travel, Virtual card.
- Features: only ICICI Bank Credit Cards offers Same day funding.
Our verdict on each
DKB
DKB suits everyday spenders seeking a Visa debit linked to a current account with monthly fees of €0 to €4.50 and currency conversion fees of 0% to 2.2%. Travel spending and online shopping stay simple with virtual card support plus helpful guides for account queries.
ICICI Bank Credit Cards
ICICI Bank offers a personal loan of INR 50,000 to INR 5,000,000 alongside a points credit card with lounge and fuel perks, suiting Indian salaried borrowers who want one bank for loans and spending. Costs weigh it down, since the loan fee and card charges stack on the interest.
Score breakdown
| Area | DKB | ICICI Bank Credit Cards |
|---|---|---|
| Cost | 9.3HigherMonthly fees run €0 to €4.50 with currency conversion fees of 0% to 2.2% | 8.6Loan interest of 9.99% to 16.5%, an arrangement fee of 2% plus taxes, and a card annual fee of INR 3,500. |
| Offer | 8.9Visa debit of debit on Visa with platforms on Web Banking and DKB App | 9.4Higher |
| Trust | 9.4Supervision under European Central Bank and Federal Financial Supervisory Authority (BaFin) with deposit protection of EU DGS up to EUR 100,000 | 9.4 |
Availability and regulation
| Country | DKB | ICICI Bank Credit Cards |
|---|---|---|
| Germany | Not confirmed |
Additional countries for DKB: 1. Additional countries for ICICI Bank Credit Cards: 1.
How they place
| Ranking | DKB | ICICI Bank Credit Cards |
|---|---|---|
| Credit and debit cards | 4 of 1594 | 27 of 1594 |
| Credit cards | 1 of 421 | 10 of 421 |
Every fact side by side
| Fact | DKB | ICICI Bank Credit Cards |
|---|---|---|
| Pricing model | No monthly fee | Fixed rate |
| Features | Travel, Virtual card | Same day funding |
| Audience | Student, Kids | Not confirmed |
| Legal entity | Not confirmed | ICICI Bank Limited |
| Headquarters | Not confirmed | India |
| Founded | Not confirmed | 1994 |
| Support channels | Not confirmed | Phone, Email, Chat, Help centre |
Savings
| Fact | DKB | ICICI Bank Credit Cards |
|---|---|---|
| Headline rate | 1% | Not confirmed |
| Rate type | Variable | Fixed |
| Term | 12 to 120 monthsHigher | 12 to 72 months |
| Minimum deposit | €0 | Not confirmed |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Access terms | anytime access, payouts only to reference account | Not confirmed |
| Monthly fee | €0 to €4.50 | Not confirmed |
| Account kind | Easy access | Not confirmed |
Where each stands against the rest
| Fact | DKB | ICICI Bank Credit Cards | Median |
|---|---|---|---|
| APR | 6.99%below the median | 9.99% to 16.5%below the median | 11.635% |
| Currency conversion fee | 0% to 2.2%below the median | 3.5%highest quarter | 1 |
Median across 486 listed providers.
Pros and cons
DKB
Pros
- Monthly fees of €0 to €4.50 keep account keeping modest next to funded rivals such as XTB at PLN 0
- Currency conversion fees of 0% to 2.2% on Visa give clear terms for travel and cross border shopping
- Card type of debit suits direct balance spending with virtual card choice from travel and virtual card
Cons
- Support runs on help centre only, so you lack phone or live chat routes for urgent card queries
- Currency conversion fees run 0% to 2.2% on Visa, so foreign card spending can add cost
- Monthly fees run €0 to €4.50, which may suit funded accounts less well than XTB at PLN 0
ICICI Bank Credit Cards
Pros
- Personal loans from INR 50,000 to INR 5,000,000 over 12 to 72, priced on a fixed-rate basis.
- Money moves fast: same day funding and Instant disbursement for approved loans.
- A direct lender offering personal and debt consolidation loans, so the bank sets the terms itself.
Cons
- Free early repayment is listed as no, so clearing the balance before the term ends carries a cost.
- Card running costs add up: INR 3,500 a year plus 3.5% on currency conversion.
- The loan applies a hard credit check and asks for good credit.
Who each suits
DKB
Who it suits
- Household spenders who want Visa debit spending from balance with debit rather than Kraken style crypto linked use
- Travellers and online shoppers who value Visa acceptance and travel and virtual card next to eToro card options
Who should look elsewhere
- Readers wanting phone based card help may prefer Kraken, since DKB support runs on help centre only
- Readers wanting prepaid style separation may look past DKB, since its card type is debit on Visa
ICICI Bank Credit Cards
Who it suits
- Salaried Indian citizens who meet the bank's minimum age and monthly income test.
- Borrowers consolidating debt or funding home improvement on a fixed-rate personal loan.
- Card holders who travel and care about lounge access, concierge help and a fuel surcharge waiver.
Who should look elsewhere
- Borrowers after euro lending: Creduma ES works from from €12,000.
- Rate shoppers comparing lenders in other markets: Sofkredit lists 10.74% to 18.06% and Cashspace PHP 12 to PHP 36, both in different currencies.
- Anyone wanting a card with no annual charge, since this card's fee is INR 3,500.
Current offers
DKB
ICICI Bank Credit Cards
Current offer
Bonus
Sapphiro Credit Card welcome vouchers with BookMyShow buy one get one offer
Sapphiro Credit Card only; includes international and domestic airport lounge access
Source, checked September 26, 2026
Country by country
| Country | DKB | ICICI Bank Credit Cards |
|---|---|---|
| Germany | Yes | No |
| India | No | Yes |
Questions about each
DKB
What monthly charges apply to the account behind the card?+
Monthly fees run €0 to €4.50 for the linked current account behind the debit card. You can keep account keeping costs modest while using the Visa for shops, cash points and online checkouts. Terms vary with account use, so review the fee table before applying.
How do foreign currency card payments work?+
Currency conversion fees run 0% to 2.2% when you pay in foreign currency with the Visa. You still get wide acceptance on Visa for holidays, business trips and cross border shopping. Check the applied rate at payment time to manage travel budgets.
ICICI Bank Credit Cards
What does a personal loan from ICICI Bank cost?+
Interest runs at 9.99% to 16.5% on a fixed-rate basis, and the arrangement fee is 2% of the loan amount plus taxes. Free early repayment is listed as no, so closing the balance before the end of 12 to 72 carries a cost.
How much can I borrow, and for how long?+
Loans run from INR 50,000 to INR 5,000,000 over 12 to 72. The site median amount for this kind of lending is €526.18 and the median term is 36, so both the ceiling and the longest term sit well above the middle of the market.