Deutsche Bank db business
CancelThe rare card that rewarded you for taking cash out — and capped you at 7,500 points a year.
no published earn rate to price
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. Everything we can source — the fee, the charges, the migration that put this card in your hand — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until Deutsche Bank publishes terms we can cite.
Why we decline to value some cards, and what it takes to change that →
2 notes on the card itself: how it is issued · why it ranks #947
Why #947 A free sole-proprietor card that paid savings points on CASH WITHDRAWALS — almost unheard of then and unheard of now — and let you point the accelerator at travel. Capped at 7,500 points a year. Carried, not ranked; Deutsche's Indian card book went to IndusInd in 2011.
The take
The db business was Deutsche Bank India's card for sole proprietors, and it did two things almost nothing else in the Indian market did then or does now. The first: it paid savings points on CASH WITHDRAWALS. Deutsche's own line was that using the card to withdraw cash "is a truly rewarding experience" — an inversion of the universal rule that a cash advance earns nothing and costs 2.5% from day one. That is aimed squarely at a proprietor paying suppliers who did not take plastic, and it is the single most distinctive thing on this file. The second: it let a business point its own accelerator. Four reward plans — Business Savings, Business Travel, Business Purchase and Business Entertainment — each weighting a different category set, with the Travel Plan explicitly built around hotels, airlines and car rentals. Points came out at ₹0.50 in cash or one airline mile, which is a two-to-one preference for the mile. It cost nothing: Nil to join, Nil to renew, Nil for add-ons, all three published. With it came Total Protect against unauthorised transactions, the 2.5% fuel surcharge waived, and Deutsche's business-deals programme. The ceiling is the catch and Deutsche printed it as a footnote: a maximum of 7,500 savings points in a year, full stop. At ₹0.50 a point that is ₹3,750 of value however much the business spent — a free card with a hard roof rather than a business card that scaled. The card is carried and not ranked for the usual two reasons: Savings Points were a house currency this board does not model, and the per-category accrual tables did not survive the Archive.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
Deutsche Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and we cannot price either side of it.
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- Nil to join, Nil to renew and Nil for add-ons on Deutsche's published Schedule of Charges — genuinely lifetime free
- Savings points earned on CASH WITHDRAWALS, which almost no Indian card has ever paid on
- Four business reward plans — Savings, Travel, Purchase and Entertainment — each weighting a different category set
- The Business Travel Plan was built around hotels, airlines and car rentals
- A savings point was worth ₹0.50 in cash, or one airline mile
- Total Protect against unauthorised transactions, and the 2.5% fuel surcharge waived
- Aimed explicitly at sole proprietors rather than at corporates with a treasury department
Watch out
- WITHDRAWN — Deutsche Bank sold its Indian retail and credit-card business to IndusInd Bank in 2011, and this page describes the Deutsche-era card only
- THE PRODUCT DID NOT DIE IN 2011 — IndusInd re-issued it under its own name on the same Nil fee row, renamed it Business Gold and sold it until at least 2019; that successor is a separate file, indusind-business
- HARD ANNUAL CEILING: 'A maximum of 7,500 savings points can be earned in a year' — about ₹3,750 of value at the published redemption rate, however much the business spent. IndusInd carried the identical ceiling forward, word for word
- Deutsche's OWN plan pages never published the accrual — the per-category tables were images the Archive did not keep — so nothing on THIS page can be priced; the successor's identical four plans do publish theirs, at indusind-business
- Savings Points were a Deutsche HOUSE currency this board does not model, so even the ₹0.50 redemption cannot be turned into a house value here
- Earning points on a cash withdrawal did not make it free — the cash advance fee was 2.5% with a ₹250 minimum, and interest ran from day one
- Only ever sold in seven cities: Aurangabad, Bangalore, Chennai, Delhi, Kolhapur, Kolkata and Mumbai
- Revolving cost was 3.83% a month — an APR of 46% — on the last published schedule, and foreign currency was marked up the full 3.5%
What these points actually fly
Deutsche Bank has not published what this card earns, so there are no points here to fly with — not zero points, and not points that go nowhere: nothing stated either way. The moment a benefit sheet exists we will price whatever it names.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
You cannot. Deutsche Bank sold its Indian retail banking and credit-card business to IndusInd Bank in 2011, and deutschebank.co.in has not served a credit-card page since. IndusInd kept selling the card as Business Gold for another eight years — see indusind-business — and that one is gone too.
Deutsche Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
nothing tracked yet — which is itself a fact
No tracked devaluations or changes yet — this card's history starts here.
Verified against Deutsche Bank's own documents on
Not published , and we will not invent it: the earn rate and the currency it earns.
Every document behind this page — 5 of them, each with the day we read it
- official IndusInd Bank's bank-wide credit-card MITC, 2011 — the buyer's own fee table, carrying this card on the same Nil joining, Nil annual, Nil add-on row after the portfolio sale
- official Deutsche Bank India's db business Credit Card page (archived 04-Apr-2008) — the sole-proprietor positioning, the cash-withdrawal earn, the four savings plans and the 7,500-point annual ceiling
- official Deutsche Bank India's db business Reward Plans page (archived 06-Dec-2010) — all four plans and the ₹0.50-or-one-mile redemption rate each of them carried
- official Deutsche Bank India's Schedule of Charges for credit cards, effective 19 April 2010 — this card in the Nil-fee group, with a 2.5% cash advance fee and 3.5% on foreign currency
- official Deutsche Bank India's own Cards shelf today — titled "Debit Cards for Every Need", it lists debit cards only and no credit card at all