Consorsbank, the German retail brand of BNP Paribas, issues a Consorsbank credit card that pairs travel-grade protections with fee-friendly spending.
This guide explains what you get, what it costs, and the exact steps to apply online—plus phone and address details for customer support.
The Visa Card Gold’s bank-fee-free structure for foreign card payments and ATM withdrawals is a real-world “reward” for travelers.
What Card Options Exist At Consorsbank?
Consorsbank currently distinguishes between three everyday cards tied to its current account (Girokonto).
Visa Card Debit, Visa Card Gold Light, and Visa Card Gold.
Of these, the Visa Card Gold is the premium option with the broadest insurance bundle.
The Credit Card Gold Light and the Debit card focus on basic payments and cash access without the extended travel or shopping insurance benefits.
Key Perks of Visa Card Gold
Comprehensive insurance like trip cancellation/interruption, travel health and medical evacuation, baggage, rental car deductible, and flight delay/cancellation.
A handset protection component is also available (registration may be required). Note that certain coverages require you to pay with the card for insurance to apply.
Bank fees for card usage and ATM withdrawals are listed as €0 for Visa Card Gold (third-party/ATM operator surcharges can still apply).
Consorsbank and Visa periodically run partner deals (for example, travel booking discounts) when you pay with an eligible Consorsbank Visa card.
Costs and Interest
Because interest is tied to your current-account balance, keeping a buffer in your Girokonto helps you avoid overdraft charges.
- Card fee: Visa Card Gold costs €9.00 per month for new sign-ups (partner card €2.00 per month).
- Foreign usage & ATM fees: the bank’s price list shows €0 bank fee for worldwide card usage and withdrawals on Visa Card Gold (operators abroad may charge their own surcharges; these are disclosed on-screen and are your responsibility).
- Interest: Consorsbank settles card spending via your Girokonto. If your current account goes into the red, the overdraft (Dispo) rate applies—9.40% p.a. There is no separate revolving APR for the card itself.
Fees In Context
The price schedule lists occasional charges such as a replacement card (€10), an emergency card (€180), and emergency cash (~€100).
These are infrequent, but it’s useful to know them in advance.
Bank-fee-free usage does not remove ATM operator surcharges abroad; those are set by the machine’s owner and shown on-screen before you confirm.
How to Apply Online for the Consorsbank Credit Cards
To apply for Consorsbank credit cards, you must hold a Consorsbank Girokonto. Existing customers can request the card from within online banking.
New customers open the account first and complete identity verification.
Legitimation is available via Video-Ident (from home with webcam and valid ID) or PostIdent at a Deutsche Post branch.
Have your passport/ID, a stable internet connection (for Video-Ident), and your tax/registration details ready.
- Start with (or confirm) your Girokonto. If you already bank with Consorsbank, log in and verify your current account is active. If you’re new, begin with a Girokonto application and follow the guided flow.
- Complete identity verification. Choose Video-Ident to finish from home or PostIdent in person. For Video-Ident, prepare your ID and complete the short video call; for PostIdent, bring the bar code and ID to a participating branch.
- Request a Visa Card Gold in online banking. After your account is active, log in and go to the “Karten” section to apply for the Visa Card Gold. Existing customers can also follow the in-app prompt when available.
- Credit assessment & decision. Consorsbank performs the standard credit checks (e.g., SCHUFA). If approved, the card and PIN arrive separately by mail for security.
- Activate and set up security. Activate the card upon arrival, set your PIN if prompted, and ensure Strong Customer Authentication (e.g., the SecurePlus app) is configured before first use.
- Register optional benefits. If handset protection requires device registration, complete it promptly. Review each insurance’s conditions and keep proof of payment with the card where required.
- Use partner promotions. Before larger purchases or travel bookings, check the bank’s promotions page or Visa partner offers to maximize savings.
Everyday Use and Rewards Strategy
At ATMs, watch for on-screen surcharges and decline dynamic currency conversion (DCC) to avoid unfavorable exchange rates.
If you travel several times a year, the bundled trip, medical, baggage, flight delay, and rental-car deductible coverages can rival standalone policies.
Delivery insurance, internet protection, wallet protection, and warranty extensions can offset the monthly fee. Keep receipts and documentation to streamline claims.
Build the habit of checking promotions. Even periodic discounts on travel, mobility, or retail can compound the value of the card over the year.
Customer Service
Hours for specific hotlines can vary; it’s best to check the service pages in online banking or the mobile app for the latest contact windows.
- Mailing address: Consorsbank, Bahnhofstraße 55, 90402 Nürnberg, Germany
- Central phone (switchboard): +49 (0) 911 / 369-0
- Customer service line: 0911 / 369-3000
- Email (general/service): info@consorsbank.de or kundenbetreuung@consorsbank.de
Your Consorsbank credit card is always supported.
Visa Card Gold vs. Gold Light: Which To Choose?
If you rarely travel and don’t need bundled insurance, the Credit Card Gold Light focuses on fee-friendly payments and may suit a budget-minded profile.
Frequent travelers and online shoppers who value built-in protections will likely find the Visa Card Gold worth its €9 9/month fee.
Evaluate your trip frequency, the value of insurance, and whether fee-free global usage aligns with your spending pattern.
Conclusion
Consorsbank credit cards are built for people who value broad insurance coverage, smooth international use, and periodic partner deals.
Open or use your Girokonto, complete Video-Ident/PostIdent, apply in the “Karten” tab, then activate.
You can be ready to tap the card’s travel and shopping perks on your next purchase or booking.
Disclaimer: This article is informational and not financial advice. Card terms (fees, benefits, insurance conditions, and interest) may change; always confirm the current Consorsbank price list, insurance documents, and service information before applying or relying on benefits.
