Updated September 28, 2026 · BorrowCue Editorial Team
Berliner Volksbank vs ICICI Bank Credit Cards
Where Berliner Volksbank and ICICI Bank Credit Cards differ
| Compare |  Berliner Volksbank |  ICICI Bank Credit Cards |
|---|---|---|
| APR | 6.49% to 13.29%Lower | 9.99% to 16.5% |
| Loan amount | up to €100,000 | ₹50,000 to ₹5,000,000 |
| Term | 12 to 120 monthsHigher | 12 to 72 months |
| Credit check | Soft prequal | Hard |
| Funding time | within 24 hours after approval | Instant disbursement |
| Lender type | Broker | Direct lender |
| Free early repayment | YesHas it | No |
| Eligibility | Age 18+; permanently employed (not self-employed); monthly income at least 750 EUR; at least 6 months with the employer and probation ended; residence in Germany with official registration address; creditworthiness check passed | Indian citizens aged 18-58 years; salaried minimum monthly income 30,000 rupees |
| Loan types | Personal | Personal, Debt consolidationCovers more |
| Arrangement fee | Not confirmed | Up to 2% of loan amount plus taxes (Personal Loan processing charge) |
| Representative example | Nettodarlehensbetrag 10.000,- EUR, effektiver Jahreszins 9,49%, gebundener Sollzinssatz 9,10% p.a., Laufzeit 84 Monate, 84 monatliche Raten a 161,40 EUR, Gesamtbetrag 13.557,77 EUR | Not confirmed |
| Origination fee (%) | Not confirmed | 2% |
| Credit needed | Not confirmed | Good |
Same on both: Rate type (Fixed), Use cases (Home improvement).
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Key differences
- Berliner Volksbank scores higher overall: 9.1 vs 9.0.
- Founded is lower at Berliner Volksbank: 1946 vs 1994.
- APR is lower at Berliner Volksbank: 6.49% to 13.29% vs 9.99% to 16.5%.
- Free early repayment: only Berliner Volksbank.
- Term is higher at Berliner Volksbank: 12 to 120 months vs 12 to 72 months.
- Support channels: only ICICI Bank Credit Cards offers Chat, Help centre.
- Loan types: only ICICI Bank Credit Cards offers Debt consolidation.
Our verdict on each
Berliner Volksbank
Berliner Volksbank suits permanently employed residents of Germany borrowing for home improvements, with a fixed rate of 6.49% to 13.29% and a ceiling of up to €100,000. Monzo Flex charges 10% to 23%, so this lender suits borrowers who want a fixed monthly cost and free overpayments.
ICICI Bank Credit Cards
ICICI Bank lends directly at 9.99% to 16.5% for personal loans and debt consolidation, with funding time of Instant disbursement. It suits salaried Indian borrowers with a good credit record who want fixed rates and quick money. The processing charge adds to the total, and early repayment carries a fee.
Score breakdown
| Area | Berliner Volksbank | ICICI Bank Credit Cards |
|---|---|---|
| Cost | 9.2Higher | 8.5Personal loan interest runs 9.99% to 16.5% with a processing charge of 2% of the amount, and free early repayment: no. |
| Offer | 8.9Fixed rate of 6.49% to 13.29%, free early repayment, amount to up to €100,000. | 9.3Higher |
| Trust | 9.1 | 9.3Higher |
Where each is licensed and available
| Country | Berliner Volksbank | ICICI Bank Credit Cards |
|---|---|---|
| Germany | Not confirmed |
Additional countries for Berliner Volksbank: 1. Additional countries for ICICI Bank Credit Cards: 1.
Feature by feature
| Loan types | Berliner Volksbank | ICICI Bank Credit Cards |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | No | Yes |
| Use cases | Berliner Volksbank | ICICI Bank Credit Cards |
|---|---|---|
| Home improvement | Yes | Yes |
How they place
| Ranking | Berliner Volksbank | ICICI Bank Credit Cards |
|---|---|---|
| Personal loans | 93 of 1943 | 106 of 1943 |
| Mortgages | 12 of 719 | 14 of 719 |
| Remortgage deals | 11 of 351 | 13 of 351 |
| Home improvement loans | 42 of 562 | 51 of 562 |
Every fact side by side
| Fact | Berliner Volksbank | ICICI Bank Credit Cards |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | Berliner Volksbank eG | ICICI Bank Limited |
| Headquarters | Germany | India |
| Founded | 1946Lower | 1994 |
| Support channels | Email, Phone | Phone, Email, Chat, Help centreCovers more |
Mortgages
| Fact | Berliner Volksbank | ICICI Bank Credit Cards |
|---|---|---|
| Initial rate | Not confirmed | 7.55% |
| Fixed period | 5 to 20 years | Not confirmed |
| Maximum loan to value | Not confirmed | 80% to 90% |
| Purpose | Purchase, Remortgage | Purchase, Remortgage |
Where each stands against the rest
| Fact | Berliner Volksbank | ICICI Bank Credit Cards | Median |
|---|---|---|---|
| APR | 6.49% to 13.29%below the median | 9.99% to 16.5%above the median | 8.99 |
| Term | 12 to 120 monthshighest quarter | 12 to 72 monthsabove the median | 60 |
| Origination fee (%) | Not confirmed | 2%above the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Berliner Volksbank
Pros
- Free early repayment means an overpayment costs nothing, so a borrower with a bonus or a windfall can cut the term and the interest.
- The rate is fixed, so the monthly figure agreed at the start is the monthly figure paid for the whole run of the loan.
- Funding arrives within 24 hours after approval, which suits a repair bill that cannot wait for the next payday.
Cons
- Eligibility asks for permanent employment and a registered address in Germany, so self-employed applicants and freelancers sit outside the product.
- The credit check starts at soft prequal, so a full creditworthiness check is still part of the route before the loan completes.
- The product is a personal loan, listed under personal, so a car, a business or a secured loan is outside what the bank covers.
ICICI Bank Credit Cards
Pros
- Direct lender, so 9.99% to 16.5% is the rate you are offered rather than a broker mark-up
- Funding time is listed as Instant disbursement
- Fixed rate pricing on fixed rate loans, so repayments stay predictable
Cons
- Free early repayment: no, so settling the loan early carries a cost
- A processing charge of 2% of the loan amount plus taxes adds to the total
- Credit check: hard, and the lender asks for a good credit record
Who each suits
Berliner Volksbank
Who it suits
- Permanently employed residents of Germany with a registered address who are past probation and can show a steady income.
- Borrowers funding a home improvement rather than a car, a business or a consolidation of other debts.
- Anyone who can commit to a fixed monthly cost over 12 to 120 and clear the balance early without a charge.
Who should look elsewhere
- Self-employed borrowers, because the eligibility rule asks for permanent employment and settled probation, which narrows who can apply.
- Borrowers chasing a promotional quote, since Cashspace ES lists 0% against 6.49% to 13.29% here.
- Borrowers priced out by a higher headline rate, since Monzo Flex quotes 10% to 23% against 6.49% to 13.29% here.
ICICI Bank Credit Cards
Who it suits
- Salaried Indian citizens who meet the income requirement for a personal loan
- Borrowers consolidating debt into one fixed-rate repayment
- People who need the money quickly and value Instant disbursement over extra shopping
Who should look elsewhere
- Anyone wanting to clear a personal loan early without paying for it, since free early repayment: no
- Borrowers with a thin credit file, as the credit check is hard
- Shoppers who want a fee-free loan, given a processing charge of 2% plus taxes
Current offers
Berliner Volksbank
Current offer
Bonus
200 Euro Neukundenbonus: 200 EUR
For new customers of the free Blauorange current account for under-30s (account running and cards free of charge, no minimum deposit)
Source, checked September 26, 2026
Discount code
Reisebonus bei Reisebuchungen: up to 10.00%
Included with the free Blauorange current account incl. Gold credit card and girocard; travel insurance package included
Source, checked September 26, 2026
ICICI Bank Credit Cards
Current offer
Bonus
Sapphiro Credit Card welcome vouchers with BookMyShow buy one get one offer
Sapphiro Credit Card only; includes international and domestic airport lounge access
Source, checked September 26, 2026
Country by country
| Country | Berliner Volksbank | ICICI Bank Credit Cards |
|---|---|---|
| Germany | Yes | No |
| India | No | Yes |
Questions about each
Berliner Volksbank
What rate does Berliner Volksbank charge on a private loan?+
The rate is 6.49% to 13.29% and it is fixed, so the cost does not move while the loan runs. The amount available goes to up to €100,000. A lower headline rate is not always the cheapest option, so the representative example is worth reading before applying.
How long does it take to get the money?+
Funds arrive within 24 hours after approval, and same-day funding sits behind that promise, so a home improvement bill that cannot wait is the case it serves. The clock starts once an application is approved and the credit check has been passed.
ICICI Bank Credit Cards
What rate will I pay on a personal loan?+
Interest runs at 9.99% to 16.5% for a personal loan or a debt consolidation loan. The rate type is fixed, so the figure holds for the life of the loan. Your actual rate depends on how the lender assesses you.
Is there an arrangement fee?+
Yes. A processing charge of 2% of the loan amount applies, plus taxes. That sits on top of the interest at 9.99% to 16.5%, so ask for the full cost before you commit.
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