Banks Germany

GenialCard – Free Credit card with instant approval

GenialCard is not another free credit card in Germany. It provides many more advantages and features than a normal credit card.

Instant online approval

Do not wait long for a decision! You will receive immediate feedback once you have submitted the credit card application online. You can also get a initial personal credit limit up to 2,500 €.

Transfers to your checking account

More financial flexibility with a convenient cash transfer to your checking account. You can transfer your request amount from the your Genialcard account of the checking account of your bank.

No annual fee for your main card

Permanently free with  no annual fee , no ifs and buts! You pay neither an annual fee nor an account maintenance fee for your main card. There is also no minimum usage limit you have to reach.

Flexible repayment

Can be changed each time! Let us know if you (at least 20, – €) the outstanding amount in full each month in one lump sum or rather pay back in 3% installments.
We then debit the agreed amount by direct debit from your checking account.

Other advantages of the Genial Card

• optional up to 3 partner cards possible
• up to 15% online cash back at over 300 reputable online stores (eg: OTTO, Esprit, S.Oliver)
• 5% discount for booking travel (holiday packages, vacation rentals, cruises and rental cars) by “Holiday Plus”
• maximum credit amount up to 25,000 €
• increased safety with EMV chip technology