Updated September 29, 2026 · SumCue Editorial Team
DKB vs ICICI Bank
DKB
Higher score in this comparison
ICICI Bank
What sets them apart
| Compare | DKBReviewVisitVisit | ICICI BankReviewVisitVisit |
|---|---|---|
| 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 8.9.
- 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 offers Fixed rate.
- Features: only DKB offers Travel, Virtual card.
- Features: only ICICI Bank offers Rewards.
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
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 | ICICI Bank |
|---|---|---|
| Cost | 9.3HigherMonthly fees run €0 to €4.50 with currency conversion fees of 0% to 2.2% | 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 | 8.9Visa debit of debit on Visa with platforms on Web Banking and DKB App | 9.4Higher |
| Trust | 9.4HigherSupervision under European Central Bank and Federal Financial Supervisory Authority (BaFin) with deposit protection of EU DGS up to EUR 100,000 | 9.0 |
Spending 1,000 abroad
DKB
0 to 22
0% to 2.2% of 1,000
ICICI Bank
35
3.5% of 1,000
DKB comes out 35 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 29, 2026.
Where each is licensed and available
| Country | DKB | ICICI Bank |
|---|---|---|
| Germany | Not confirmed | |
| India | Not confirmed |
Additional countries for DKB: 1. Additional countries for ICICI Bank: 1.
How they place
| Ranking | DKB | ICICI Bank |
|---|---|---|
| Savings | 6 of 1492 | 32 of 1492 |
| Credit and debit cards | 4 of 1594 | 43 of 1594 |
| Credit cards | 1 of 421 | 15 of 421 |
Every fact side by side
| Fact | DKB | ICICI Bank |
|---|---|---|
| Pricing model | No monthly fee | Fixed rate |
| Features | Travel, Virtual card | Rewards |
| Audience | Student, Kids | Not confirmed |
| Legal entity | Not confirmed | ICICI Bank Ltd. |
| Headquarters | Not confirmed | India |
| Founded | Not confirmed | 1994 |
| Support channels | Not confirmed | Phone, Help centre, Chat |
Savings
| Fact | DKB | ICICI Bank |
|---|---|---|
| Headline rate | 1% | 2.5%Higher |
| Rate type | Variable | Variable |
| Term | 12 to 120 monthsHigher | 12 to 72 months |
| Minimum deposit | €0 | ₹2,500 to ₹15,000 |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Access terms | anytime access, payouts only to reference account | Easy access to funds: cash withdrawals, utility bill payments and online fund transfers through UPI, IMPS, NEFT and RTGS |
| Monthly fee | €0 to €4.50 | Not confirmed |
| Account kind | Easy access | Easy access |
Loans
| Fact | DKB | ICICI Bank |
|---|---|---|
| Loan amount | Not confirmed | ₹50,000 to ₹5,000,000 |
| Arrangement fee | Not confirmed | Up to 2% of loan amount plus taxes (Personal Loan processing charge) |
| Credit check | Not confirmed | Hard |
| Funding time | Not confirmed | Instant disbursement |
| Lender type | Not confirmed | Direct lender |
| Free early repayment | Not confirmed | No |
| Eligibility | Not confirmed | Indian citizens aged 18-58 years; salaried minimum monthly income 30,000 rupees |
| Origination fee (%) | Not confirmed | 2% |
| Loan types | Not confirmed | Personal, Debt consolidation |
| Use cases | Not confirmed | Home improvement |
Mortgages
| Fact | DKB | ICICI Bank |
|---|---|---|
| Initial rate | Not confirmed | 7.55% |
| Maximum loan to value | Not confirmed | 80% to 90% |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | DKB | ICICI Bank | 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
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
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
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
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 | ICICI Bank |
|---|---|---|
| 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
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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