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Hanseatic Bank GenialCard
Germany's most popular fee-free travel card — 0% FX, free worldwide cash withdrawals, no strings attached.
This credit card includes airport lounge access through participating lounge programs. Access eligibility, guest policies, and lounge availability vary by airport and may change over time. Credit card lounge access is not guaranteed and may be subject to capacity limits or restrictions. Learn how credit cards provide lounge access. In summary, lounge access depends on your card, the lounge network, and the specific airport. Learn more about airport lounges.
Last reviewed: . Card information is reviewed against the issuer's official benefit pages periodically; verify all terms on the issuer's site before applying.
The Good
- Truly fee-free for life (no conditions)
- 0% FX fees worldwide
- €40 welcome bonus
- Instant digital card availability
- 5% Hanseatic Travel cashback
The Bad
- No lounge access
- Travel insurance is paid add-on (€1.70/month)
- Hanseatic Travel portal has limited inventory
- Reward program is minimal (no points/miles)
Lounge Access
0 lounge networks included
Guest Policy
Cardholder only
Purchase APR
Pay Over Time variable
Credit Score
Good (Schufa-eligible)
Limited Time Offer
€40 Welcome Bonus + €0 Forever
Offer Terms & Eligibility:
Welcome bonus after first purchase. Annual fee never charged.Lounge Networks
0 IncludedAdditional Travel Perks
Lounges Hanseatic Bank GenialCard Opens
No airport lounge access is included with this card based on the lounge networks AirportLounge.com tracks. That doesn't necessarily mean the card has zero lounge benefit — issuers occasionally bundle limited or one-time-use passes that aren't a tracked network. Always confirm the current benefit on the issuer's site before applying.
For lounge access, browse all cards with tracked lounge networks or compare against a card you're considering on Compare.
Popular Airports With Lounges
lounges are available at hundreds of airports worldwide