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12/16/20256 min read

Compare Smart Credit Cards in Germany

Find the best credit card options available in Germany with no annual fees, flexible repayment terms, and full digital control.

Keine Jahresgebühr

Volle Kontrolle per App

100% online

Unlock Financial Freedom with a Smart Credit Card Solution

At NOXTRA, we help you take full control of your finances with a modern credit card designed for everyday life in Germany and beyond. Our solution lets you apply 100% online in just a few minutes, with no paperwork, no hidden costs, and no need to switch your bank account. Enjoy 0 € annual fees, transparent conditions, and worldwide payments without unnecessary fees — whether you’re shopping online, paying in-store, or traveling abroad.

With full integration for Apple Pay and Google Pay, real-time spending insights, and flexible repayment options, NOXTRA puts you in charge of how and when you pay. Everything is managed digitally, giving you clarity, security, and freedom at every step. Simple, fast, and built for modern users who expect smarter financial tools — that’s credit cards, the NOXTRA way.

With full integration for Apple Pay and Google Pay, real-time spending insights, and flexible repayment options, NOXTRA puts you in charge of how and when you pay. Everything is managed digitally, giving you clarity, security, and freedom at every step. Simple, fast, and built for modern users who expect smarter financial tools — that’s credit cards, the NOXTRA way.

Andere Karten

Ihre Vorteile im direkten Vergleich.

Jahresgebühr

Apple Pay & Google Pay

0 €

29–99 € pro Jahr

Voll unterstützt

Nicht immer verfügbar

Digitale Antragsstrecke

Komplett digital — Entscheidung in Minuten

Teilweise digital – längere Wartezeiten

Verknüpft mit Ihrem bestehenden Girokonto

Keine Kontoeröffnung nötig

Oft neues Konto erforderlich

Deutschland-Kreditkarte

Unlock Financial Freedom with a Smart Credit Card Solution

At NOXTRA, we help you take full control of your finances with a modern credit card designed for everyday life in Germany and beyond. Our solution lets you apply 100% online in just a few minutes, with no paperwork, no hidden costs, and no need to switch your bank account. Enjoy 0 € annual fees, transparent conditions, and worldwide payments without unnecessary fees — whether you’re shopping online, paying in-store, or traveling abroad.

With full integration for Apple Pay and Google Pay, real-time spending insights, and flexible repayment options, NOXTRA puts you in charge of how and when you pay. Everything is managed digitally, giving you clarity, security, and freedom at every step. Simple, fast, and built for modern users who expect smarter financial tools — that’s credit cards, the NOXTRA way.

With full integration for Apple Pay and Google Pay, real-time spending insights, and flexible repayment options, NOXTRA puts you in charge of how and when you pay. Everything is managed digitally, giving you clarity, security, and freedom at every step. Simple, fast, and built for modern users who expect smarter financial tools — that’s credit cards, the NOXTRA way.

Technologie, die mit dir entscheidet

Schnell & effizient

Wir analysieren dein Profil in wenigen Sekunden und zeigen dir ausschließlich reale und relevante Optionen – ohne unnötige Anrufe und ohne komplizierte Prozesse. Du behältst jederzeit die volle Kontrolle.

Sicher & datenschutzkonform

Transparent & fair

Unlock Financial Freedom with a Smart Credit Card Solution

At NOXTRA, we help you take full control of your finances with a modern credit card designed for everyday life in Germany and beyond. Our solution lets you apply 100% online in just a few minutes, with no paperwork, no hidden costs, and no need to switch your bank account. Enjoy 0 € annual fees, transparent conditions, and worldwide payments without unnecessary fees — whether you’re shopping online, paying in-store, or traveling abroad.

With full integration for Apple Pay and Google Pay, real-time spending insights, and flexible repayment options, NOXTRA puts you in charge of how and when you pay. Everything is managed digitally, giving you clarity, security, and freedom at every step. Simple, fast, and built for modern users who expect smarter financial tools — that’s credit cards, the NOXTRA way.

With full integration for Apple Pay and Google Pay, real-time spending insights, and flexible repayment options, NOXTRA puts you in charge of how and when you pay. Everything is managed digitally, giving you clarity, security, and freedom at every step. Simple, fast, and built for modern users who expect smarter financial tools — that’s credit cards, the NOXTRA way.

Jetzt Ihre Deutschland-Kreditkarte erhalten.

Schnell beantragen. Sofort nutzen.

Unlock Financial Freedom with a Smart Credit Card Solution

At NOXTRA, we help you take full control of your finances with a modern credit card designed for everyday life in Germany and beyond. Our solution lets you apply 100% online in just a few minutes, with no paperwork, no hidden costs, and no need to switch your bank account. Enjoy 0 € annual fees, transparent conditions, and worldwide payments without unnecessary fees — whether you’re shopping online, paying in-store, or traveling abroad.

With full integration for Apple Pay and Google Pay, real-time spending insights, and flexible repayment options, NOXTRA puts you in charge of how and when you pay. Everything is managed digitally, giving you clarity, security, and freedom at every step. Simple, fast, and built for modern users who expect smarter financial tools — that’s credit cards, the NOXTRA way.

With full integration for Apple Pay and Google Pay, real-time spending insights, and flexible repayment options, NOXTRA puts you in charge of how and when you pay. Everything is managed digitally, giving you clarity, security, and freedom at every step. Simple, fast, and built for modern users who expect smarter financial tools — that’s credit cards, the NOXTRA way.

FAQ – Häufig gestellte Fragen

Wie läuft die Antragstellung ab?

Der Antrag ist komplett digital. Sie füllen das Online-Formular aus, bestätigen Ihre Identität per VideoIdent und erhalten die Karte anschließend per Post.

Wann kann ich die Karte nutzen?

Sofort nach der Aktivierung können Sie weltweit bezahlen – online und vor Ort.

Wie funktioniert die Abrechnung?

Die Umsätze werden monatlich von Ihrem bestehenden Girokonto abgebucht. Sie wählen zwischen vollständiger Zahlung oder flexibler Rückzahlung.

Wie verwalte ich meine Kreditkarte?

Über die App der Hanseatic Bank behalten Sie jederzeit die Kontrolle: Transaktionen einsehen, Rückzahlungsart ändern und Benachrichtigungen erhalten.