Updated September 28, 2026 · BorrowCue Editorial Team
Commerzbank vs ICICI Bank Credit Cards
Where Commerzbank and ICICI Bank Credit Cards differ
| Compare |  Commerzbank |  ICICI Bank Credit Cards |
|---|---|---|
| APR | 3.29% to 12.49%Lower | 9.99% to 16.5% |
| Loan amount | €1,500 to €100,000 | ₹50,000 to ₹5,000,000 |
| Term | 6 to 119 monthsHigher | 12 to 72 months |
| Funding time | Payout generally within 24 hours after the fully digital application and credit approval | Instant disbursement |
| Free early repayment | YesHas it | No |
| Eligibility | At least 18 years old, fixed residence in Germany, current account at a German bank receiving salary or pension, statutory credit check with a Schufa report free of negative entries; private purposes only, not for the self-employed | 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 | Ratenkredit legally required representative example: effective annual rate 6.64% p.a., fixed nominal rate 6.45% p.a., term 60 months, net loan amount EUR 10,000, 60 monthly instalments of EUR 195.41, total EUR 11,724.55 | Not confirmed |
| Origination fee (%) | Not confirmed | 2% |
| Credit needed | Not confirmed | Good |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard), Rate type (Fixed), Lender type (Direct lender).
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Key differences
- Commerzbank scores higher overall: 9.4 vs 9.0.
- Founded is lower at Commerzbank: 1870 vs 1994.
- APR is lower at Commerzbank: 3.29% to 12.49% vs 9.99% to 16.5%.
- Free early repayment: only Commerzbank.
- Term is higher at Commerzbank: 6 to 119 months vs 12 to 72 months.
- Support channels: only ICICI Bank Credit Cards offers Chat.
- Loan types: only ICICI Bank Credit Cards offers Debt consolidation.
Our verdict on each
Commerzbank
Commerzbank suits German salaried employees and pensioners with a clean Schufa record who want a fixed-rate instalment loan from a bank they already hold an account with. Interest runs at 3.29% to 12.49% on amounts of €1,500 to €100,000, and payout generally lands within a day of approval.
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 | Commerzbank | ICICI Bank Credit Cards |
|---|---|---|
| Cost | 9.4Higher | 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 | 9.2Direct lender offering personal loans at 3.29% to 12.49%, terms of 6 to 119 and free early repayment on the instalment product. | 9.3Higher |
| Trust | 9.6Higher | 9.3 |
Availability and regulation
| Country | Commerzbank | ICICI Bank Credit Cards |
|---|---|---|
| Germany | Bundesanstalt fur Finanzdienstleistungsaufsicht (BaFin) BAK Nr. 100005 | Not confirmed |
Additional countries for Commerzbank: 1. Additional countries for ICICI Bank Credit Cards: 1.
How they place
| Ranking | Commerzbank | ICICI Bank Credit Cards |
|---|---|---|
| Personal loans | 80 of 1943 | 106 of 1943 |
| Mortgages | 8 of 719 | 14 of 719 |
| Remortgage deals | 8 of 351 | 13 of 351 |
Every fact side by side
| Fact | Commerzbank | ICICI Bank Credit Cards |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | Commerzbank Aktiengesellschaft | ICICI Bank Limited |
| Headquarters | Germany | India |
| Founded | 1870Lower | 1994 |
| Support channels | Email, Phone, Help centre | Phone, Email, Chat, Help centreCovers more |
Mortgages
| Fact | Commerzbank | ICICI Bank Credit Cards |
|---|---|---|
| Initial rate | 4.45%Lower | 7.55% |
| APRC | 4.54% | Not confirmed |
| Fixed period | 10 years | Not confirmed |
| Maximum loan to value | 60% | 80% to 90%Higher |
| Purpose | Purchase, Remortgage, Home equityCovers more | Purchase, Remortgage |
Where each stands against the rest
| Fact | Commerzbank | ICICI Bank Credit Cards | Median |
|---|---|---|---|
| APR | 3.29% to 12.49%lowest quarter | 9.99% to 16.5%above the median | 8.99 |
| Term | 6 to 119 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
Commerzbank
Pros
- You deal with a direct lender, so the bank sets the rate and funds the loan with no broker in between.
- Installments run at 3.29% to 12.49% on a fixed basis, and early repayment is free.
- Payout generally lands within a day once a fully digital application is approved, and the loan carries same day funding.
Cons
- The credit check is hard: hard, and eligibility wants a Schufa report free of negative entries.
- Lending covers private purposes and personal loans only, so the self-employed are excluded.
- Support runs on email, phone and help centre only.
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
Commerzbank
Who it suits
- Adults living in Germany permanently whose salary or pension is paid into a current account at a German bank.
- Borrowers happy with one fixed rate for the whole term who can clear the balance early at no extra cost.
- Homebuyers and remortgagers who can live with a maximum loan to value of 60%.
Who should look elsewhere
- Self-employed applicants, as the instalment loan is for private purposes only.
- Borrowers chasing the lowest headline rate: Cashspace ES shows 0% and Monzo Flex 10% to 23%, but neither is a German bank loan for residents 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
Commerzbank
Current offer
Bonus
Automatic individual rate advantage on Ratenkredit for free use concluded online or in the app: 0.01% to 0.6% p.a. lower rate
Valid until further notice; only for Ratenkredite zur freien Verfügung concluded via the online application or app; contracts via comparison portals excluded; amount depends on term and creditworthiness
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 | Commerzbank | ICICI Bank Credit Cards |
|---|---|---|
| Germany | Yes | No |
| India | No | Yes |
Questions about each
Commerzbank
What interest rate do I pay on a Commerzbank instalment loan?+
The instalment loan is fixed-rate, so fixed rates of 3.29% to 12.49% apply for the whole term. The legally required representative example also sets out the effective annual rate, the nominal rate, the term, the net amount borrowed, the monthly instalment and the total repaid, which makes the real cost easy to check before applying.
How much can I borrow, and over what term?+
Amounts run €1,500 to €100,000 on the instalment loan, and the term runs 6 to 119. You repay in fixed monthly instalments, so a longer term lowers each payment but raises the total repaid, while a shorter term does the opposite.
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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