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GenialCard Review

There's a whole bunch of awesome bonuses and rewards waiting for you here, you won't be disappointed with what's in store!

Source: GenialCard

Germans just like keeping it low-key with their purchases, you know? They prefer dealing with cash instead of using credit cards, it’s just their thing. Although most everyday purchases are done in cash in Germany, other payment options are available and can offer perks and benefits that cash can’t. 

Hanseatic Bank offers an incredible credit card called GenialCard from the Hanseatic Bank. It’s a German credit card that works on a charged/revolving basis. And get this, it’s totally free with no annual fees whatsoever. 

No annual fee Payment in installments
The GenialCard among credit cards:

Save money with Urlaubsplus

With the travel portal operated by the bank in collaboration with Urlaubsplus, credit card holders can enjoy savings. Booking a trip using your Hanseatic credit card through this portal not only ensures the best price guarantee but also grants a 5% refund of the travel price upon your return.

After a few weeks from your return trip, the 5% travel bonus will be credited back to the credit card account you’ve designated. Just a heads-up: To receive a travel bonus from and Secret Escapes, bookings must be made via the links provided in the Urlaubsplus travel portal.

Insurance policies

If you’ve got a GenialCard, you’re eligible for a couple of insurance policies. One of them is the “SicherWallet” (SafeWallet) package, which covers various losses such as:

  • Reimbursement for financial losses due to credit card misuse (up to 2,000 euros)
  • Full coverage for reissuing the lost credit card
  • Compensation for cash theft (up to 300 euros)
  • Reimbursement for lost front door keys (up to 150 euros)
  • Reimbursement for lost or stolen identification documents (up to 150 euros)

The second insurance option is called “SicherKreditkarte” (Secure credit card), providing installment protection insurance, which includes:

  • Coverage for unemployment
  • Payment of installments in case of disability
  • Payment of installments in the event of the cardholder’s death

GenialCard benefits

Online banking

The Hanseatic Bank GenialCard is among the select few credit cards in Germany that let you tap into Apple Pay. Plus, it’s got online banking covered, and once you snag the GenialCard, you can grab the bank’s free app, Hanseatic Bank Mobile, too.

Flexible payments

You know what’s really cool about this German credit card? It gives you total flexibility when it comes to paying off your bills. You’ve got two options: either split it into monthly payments or let the bank take installments directly from your account. It’s all about what works best for you.

Online shopping

If you’re big on online shopping and booking your travel on the web, the Genial Card is a top pick. Why? Because Hanseatic Bank hooks you up with sweet discounts of up to 15% at popular spots like Zalando, Otto and Flixbus. It’s like getting extra perks while you shop and travel online. Cool, right?

Welcome bonus

The Hanseatic Bank offer comes with some unique features worth noting. Imagine starting off with a credit of exactly 30 euros, no strings attached. What’s even better? Every customer can take advantage of this without having to meet any special conditions beforehand. Sounds pretty appealing, doesn’t it?

High credit limit

Here’s another standout feature: you get immediate access to credit limits of up to 2500 euros, with no lengthy waiting periods.

Interest-free repayment

During the initial 3 months upon card reception, new customers can freely use their entire credit limit without being concerned about interest. Interest will only be applied to partial payments following the expiration of this 3-month period.

Worry-free vacation

The GenialCard serves as the ultimate travel credit card, offering more than just affordability—it’s entirely free with no charges for payments or withdrawals, including zero foreign currency fees! This ensures a worry-free vacation. Plus, you’re not only able to withdraw cash for free worldwide with the Hanseatic credit card but also make direct payments without any charges. What more could you ask for?

Who can apply?

Source: GenialCard

If you loved this credit card just like us and would like to apply, you must be 18 years or older, live in Germany and have a minimum income of 1,000 monthly. You just need your ID card or passport, proof of income and registration certificate. Also, You can sign up for this German credit card without needing to open a bank account with Hanseatic Bank. You’re free to stick with your current account.

How to apply?

Applying is easier than you think. All you need to do in order to sign up is:

  1. Go to Hanseatic Bank official website and look for GenialCard
  2. You’ll spot a green button labeled “Jetzt online registrieren” on the bank’ s homepage. 
  3. Read Terms and Conditions
  4. Fill your personal and financial details
  5. Submit your application

Just a heads up, though—it’s in German. You can send the Genial Card application form via mail (postage-free) or submit it online. All you need to do is verify your identity through either postal or video identification.

Frequently asked questions

Is Hanseatic Bank a branch bank?

No, Hanseatic Bank is an online bank.

What happens if my credit card is lost or stolen?

If your card is lost or stolen, reach out to Hanseatic Bank right away to freeze it. They’ve got your back with 24/7 customer support for these emergencies.

Can I transfer money from GenialCard to my bank account?

Absolutely! Hanseatic credit cards do offer balance transfers to a bank account, but keep in mind there may be fees and terms involved.

How can you increase your credit card limit?

You wanna bump up your limit? Easy peasy. Just make sure you’re using the card regularly. Then, after a few months, hit up customer service and toss over your last three payslips. That’ll show ‘em you’re ready for a higher limit.

No annual fee Payment in installments
The GenialCard among credit cards:

Written By

Veterinarian with a Ph.D. in animal nutrition, dedicated to animal welfare and health. She utilizes her expertise to create informative content on credit cards, empowering others with financial knowledge.