Deutsche Bank Signature
CancelTwenty-five thousand rupees once, then nothing — Deutsche's most expensive Indian card renewed free.
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 #939
Why #939 Deutsche Bank India's flagship: ₹25,000 once, then never again. Golf across the major cities, Visa Signature offers, 24-hour Auto Assist and a concierge — and a rewards programme whose currency the bank never priced. Carried for the record; sold to IndusInd in 2011.
The take
The Signature sat at the top of Deutsche Bank India's shelf and it was priced like nothing else on it: ₹25,000 to join and, on the bank's own Schedule of Charges, Nil to renew. Every year after the first was free. Set that against the Miles & More Signature two rungs down — ₹7,500 to join and ₹4,500 every year thereafter — and Deutsche's pricing logic becomes legible: the house cards charged once for the plastic, and only the co-brands charged again for the miles. What ₹25,000 bought was a benefits stack rather than an earn. Complimentary access to premium golf clubs across the major Indian cities, which no other Deutsche card carried. Visa Signature offers on travel, dining and entertainment. Auto Assist, a 24-hour, 365-day roadside service Deutsche claimed was a first in India. A 24-hour concierge for hotels, flights and gifts. A year-end summary of accounts and a free additional card for segregating business spend. A complimentary personal air accident cover, and Total Protection against unauthorised transactions up to the card's credit limit. And what it did not buy is the reason this card is carried rather than ranked. The page states the accrual count — reward points on every hundred rupees spent — but never what a point redeemed for. The Platinum below it published a redemption table; this one did not, and this desk will not borrow a cheaper card's rate to price a dearer one. So the number is on the record and the value is not. The rest of the caution is the whole Deutsche shelf's: the Priority Pass was membership rather than entry, with visits charged and the only relief sold separately as Travel Plus at ₹3,000 a year, and foreign currency ran at the full 3.5% Indian norm on a card built for people who travelled.
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
- ₹25,000 to join and Nil to renew on Deutsche's published Schedule of Charges — every year after the first was free
- Complimentary access to premium golf clubs across major Indian cities — the only Deutsche card that carried golf
- Visa Signature offers on travel, dining and entertainment programmes from Visa International
- Auto Assist: a 24-hour, 365-day roadside emergency service Deutsche called a first for India
- A 24-hour concierge for hotel reservations, flight bookings and gifting
- Year-end summary of accounts plus a free additional card for tracking business spend separately
- Complimentary personal air accident cover and Total Protection against unauthorised transactions
Watch out
- WITHDRAWN — Deutsche Bank sold its Indian retail and credit-card business to IndusInd Bank in 2011 and no successor carries this product
- Deutsche never published what a reward point on this card redeemed for — no chart, no rupee figure, no named airline — so nothing here can be valued
- The Priority Pass across Deutsche's shelf was MEMBERSHIP, not entry: visits were charged, and the waiver was sold separately as Travel Plus at ₹3,000 a year for $27 off up to ten usages outside India
- Revolving cost was 3.83% a month — an APR of 46% — on the last published schedule
- Foreign currency was charged at 3.5%, the full Indian norm, on the bank's most expensive travel card
- Deutsche's own caveat on the fee table: joining, renewal and add-on fees 'may vary as per offer or product variant'
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.
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 — 3 of them, each with the day we read it
- official Deutsche Bank India's Signature Credit Card page (archived 25-Feb-2010) — the golf programme, the Visa Signature offers, Auto Assist, the concierge and the year-end summary
- official Deutsche Bank India's Schedule of Charges for credit cards, effective 19 April 2010 — this card at ₹25,000 to join and Nil to renew, with 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