Updated September 29, 2026 · BorrowCue Editorial Team
ICICI Bank Credit Cards vs Postbank
What sets them apart
| Compare |  ICICI Bank Credit Cards |  Postbank |
|---|---|---|
| APR | 9.99% to 16.5% | 3.25% to 14.3%Lower |
| Loan amount | ₹50,000 to ₹5,000,000 | €3,000 to €80,000 |
| Term | 12 to 72 months | 12 to 120 monthsHigher |
| Funding time | Instant disbursement | A few days: review normally takes two business days, plus a few days until the money arrives |
| Free early repayment | No | YesHas it |
| Eligibility | Indian citizens aged 18-58 years; salaried minimum monthly income 30,000 rupees | At least 18 years old and regular salary, wage or pension payments of sufficient amount; creditworthiness required |
| Loan types | Personal, Debt consolidation | Personal, Debt consolidation, CarCovers more |
| Credit needed | Good | Poor |
| Arrangement fee | Up to 2% of loan amount plus taxes (Personal Loan processing charge) | Not confirmed |
| Representative example | Not confirmed | Net loan amount EUR 10,000, effective annual rate 9.67%, nominal rate 9.27% p.a., term 84 months, 85 instalments of EUR 164, total amount EUR 13,724 (Postbank Privatkredit direkt) |
| Origination fee (%) | 2% | Not confirmed |
Same on both: Credit check (Hard), Rate type (Fixed), Lender type (Direct lender), Use cases (Home improvement).
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Key differences
- Postbank scores higher overall: 9.3 vs 9.0.
- APR is lower at Postbank: 3.25% to 14.3% vs 9.99% to 16.5%.
- Free early repayment: only Postbank.
- Term is higher at Postbank: 12 to 120 months vs 12 to 72 months.
- Support channels: only ICICI Bank Credit Cards offers Chat.
- Loan types: only Postbank offers Car.
Our verdict on each
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.
Postbank
Postbank lends directly at 3.25% to 14.3% on amounts of €3,000 to €80,000, with a fixed rate and free early repayment. It suits German adults with regular income who want a known monthly cost and can wait a few days for the money to arrive.
Score breakdown
| Area | ICICI Bank Credit Cards | Postbank |
|---|---|---|
| Cost | 8.5Personal loan interest runs 9.99% to 16.5% with a processing charge of 2% of the amount, and free early repayment: no. | 9.4Higher |
| Offer | 9.3 | 9.3Breadth of the offer: €3,000 to €80,000 across 12 to 120, fixed rate with early repayment free. |
| Trust | 9.3Higher | 9.2 |
What each covers
| Loan types | ICICI Bank Credit Cards | Postbank |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Car | No | Yes |
| Use cases | ICICI Bank Credit Cards | Postbank |
|---|---|---|
| Home improvement | Yes | Yes |
Where they rank in our lists
| Ranking | ICICI Bank Credit Cards | Postbank |
|---|---|---|
| Personal loans | 106 of 1943 | 85 of 1943 |
| Debt consolidation loans | 42 of 425 | 31 of 425 |
| Mortgages | 14 of 719 | 10 of 719 |
| Remortgage deals | 13 of 351 | 9 of 351 |
| Home improvement loans | 51 of 562 | 37 of 562 |
What we checked
ICICI Bank Credit Cards
- icici.bank.in: 20 facts, checked September 26, 2026
Postbank
- postbank.de: 17 facts, checked September 26, 2026
Every fact side by side
| Fact | ICICI Bank Credit Cards | Postbank |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Not confirmed |
| Legal entity | ICICI Bank Limited | Postbank, a branch of Deutsche Bank AG |
| Headquarters | India | Germany |
| Founded | 1994 | Not confirmed |
| Support channels | Phone, Email, Chat, Help centreCovers more | Email, Phone, Help centre |
Mortgages
| Fact | ICICI Bank Credit Cards | Postbank |
|---|---|---|
| Initial rate | 7.55% | Not confirmed |
| Maximum loan to value | 80% to 90% | Not confirmed |
| Product fee | Not confirmed | €0 |
| Purpose | Purchase, Remortgage | Purchase, Remortgage |
Where each stands against the rest
| Fact | ICICI Bank Credit Cards | Postbank | Median |
|---|---|---|---|
| APR | 9.99% to 16.5%above the median | 3.25% to 14.3%lowest quarter | 8.99 |
| Term | 12 to 72 monthsabove the median | 12 to 120 monthshighest quarter | 60 |
| Origination fee (%) | 2%above the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
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
Postbank
Pros
- APR of 3.25% to 14.3% compares favourably with the 12.25% median for personal loans on this site.
- Fixed rate for the whole term (fixed), so the monthly outlay does not drift upward.
- Free early repayment, so a windfall can clear the balance without a charge.
Cons
- The rate runs to the top of the 3.25% to 14.3% range for thinner files, and the check is hard.
- Because direct lender lending puts the decision with the bank, funding takes a few days rather than landing at once.
- Borrowing runs through DE, so it is aimed at people with German income rather than applicants abroad.
Who each suits
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
Postbank
Who it suits
- Adults past a minimum age with a regular salary, wage or pension payment, which is what eligibility asks for.
- Borrowers who want the rate fixed to the end of the term, since fixed rate applies.
- People who expect to overpay and finish sooner, since early repayment is free.
Who should look elsewhere
- Anyone chasing interest free borrowing, since Cashspace ES quotes 0%.
- Readers who want to draw and repay repeatedly rather than take one fixed instalment loan, who should weigh Monzo Flex at 10% to 23%.
- Borrowers who want a second opinion on price, since Cashspace publishes PHP 12 to PHP 36 to set beside 3.25% to 14.3%.
Current offers
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
Postbank
Current offer
Bonus
Tagesgeld new deposits action: 3.2% p.a. interest for 6 months
New deposits only, total Postbank savings balance must increase
Source, checked September 26, 2026
Bonus
Wertpapierdepot online opening credit: EUR 25 credit
Open a securities account online by 30 September 2026
Source, checked September 26, 2026
Country by country
| Country | ICICI Bank Credit Cards | Postbank |
|---|---|---|
| Germany | No | Yes |
| India | Yes | No |
Questions about each
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.
Postbank
What rate would I pay on a Postbank loan?+
Postbank quotes an APR of 3.25% to 14.3% on its direct private loan, which sits against a median of 12.25% for personal loans on this site. The rate is fixed (fixed) for the whole term, so the instalment you sign up for is the one you keep paying.
How much can I borrow and how long can I take to repay it?+
Borrowing runs from €3,000 to €80,000 with terms of 12 to 120, so a larger sum means a longer commitment. It is a direct lender arrangement (direct lender), which means your application sits with the bank rather than with a broker who passes details around.
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