Extra Karte Reviews 

7,787
TrustScore 4.5 out of 5

4.4

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Rated 5 out of 5 stars

The best customer service I've received from a German company. Everyone speaks fluent English whilst not making you feel 'bad' for not speaking German. The downside is the starting limit. Th... See more

Company replied

Rated 4 out of 5 stars

Best for monthly installments return payments for higher limit only, best for all around cashback and very useful for financial emergencies. My experience is not relevant yet. I'm a new customer. Th... See more

Company replied

Rated 5 out of 5 stars

I have used the extra card on many occasions. I have never had any problems with payments, because I can mostly decide how much I will pay monthly. Of course I receive a monthly payment, but the pay... See more

Company replied

Rated 4 out of 5 stars

My experience with Extra has been great overall. The setup process was quick and straightforward, and I really like how it helps build credit without the risk of traditional credit cards. The app in... See more

Company replied

Company details

  1. Financial Institution

About Extra Karte

Written by the company

Die Extra Karte Kreditkarte ist für alle gemacht, die Wert auf Komfort und Flexibilität legen. Ausgestellt von der Novum Bank Limited, einer vollständig lizenzierten Kreditinstitution, die seit ihrer Gründung im Juni 2009 vertrauenswürdige Finanzlösungen anbietet, verbindet die Extra Karte finanzielle Freiheit mit der Sicherheit einer erfahrenen Bank.

Ob zur Verwaltung alltäglicher Ausgaben, zur Planung größerer Anschaffungen oder für flexible Finanzlösungen – die Extra Karte ist für Sie da. Mit wettbewerbsfähigen Zinssätzen, ohne versteckte Gebühren und einem unkomplizierten Online-Antragsprozess ist der Einstieg kinderleicht. Unsere benutzerfreundliche App ermöglicht Ihnen eine Echtzeit-Kontrolle, von der Ausgabenverfolgung bis hin zur individuellen Limitsetzung. Erleben Sie eine Karte, die sich Ihrem Lebensstil anpasst und genießen Sie die Sicherheit einer vertrauenswürdigen Bank.

Beantragen Sie die Kreditkarte

Flexibel, Sicher und Sofort Verfügbar!

Written by the company

Morgens beantragen und mittags schon shoppen.
Genießen Sie attraktive Zinssätze, flexible Rückzahlungsoptionen und eine schnelle, einfache Online-Antragsstellung mit praktischer App-Verwaltung – sicher abgewickelt durch die lizenzierten Finanzexperten der Novum Bank Limited.

Contact info

4.4

Excellent

TrustScore 4.5 out of 5

8k reviews

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4.4

All reviews

(7,787)

3,626 reviews in the last 12 months

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Rated 5 out of 5 stars

Everything is smooth and clear

Everything is smooth and clear

10 March 2026
Extra Karte logo

Reply from Extra Karte

Dear Customer,

We are happy to hear that you are satisfied with our service. Thank you for taking the time to leave us your feedback. We hope you enjoy using your Extra Karte.

Kind regards,

Your Extra Karte Team

Rated 5 out of 5 stars

Good berry good

17 March 2026
Extra Karte logo

Reply from Extra Karte

Dear Customer,

We are happy to hear that you are satisfied with our service. Thank you for taking the time to leave us your feedback. We hope you enjoy using your Extra Karte.

Kind regards,

Your Extra Karte Team

Rated 5 out of 5 stars

My experience was very good and I will…

My experience was very good and I will stay with you.

17 March 2026
Extra Karte logo

Reply from Extra Karte

Dear Customer,

We are happy to hear that you are satisfied with our service. Thank you for taking the time to leave us your feedback. We hope you enjoy using your Extra Karte.

Kind regards,

Your Extra Karte Team

Rated 5 out of 5 stars

I have used the extra card on many…

I have used the extra card on many occasions. I have never had any problems with payments, because I can mostly decide how much I will pay monthly. Of course I receive a monthly payment, but the payment is really affordable. If there is spam with drawing
Extra card really quick and easy to correct. Thank you for one of the best credit cards I’ve ever owned.

3 March 2026
Extra Karte logo

Reply from Extra Karte

Dear Customer,

We are happy to hear that you are satisfied with our service. Thank you for taking the time to leave us your feedback. We hope you enjoy using your Extra Karte.

Kind regards,

Your Extra Karte Team

Rated 5 out of 5 stars

Everything

Everything is good

3 March 2026
Extra Karte logo

Reply from Extra Karte

Dear Customer,

We are happy to hear that you are satisfied with our service. Thank you for taking the time to leave us your feedback. We hope you enjoy using your Extra Karte.

Kind regards,

Your Extra Karte Team

Rated 1 out of 5 stars

You can’t protect your customers

You can’t protect your customers

3 March 2026
Extra Karte logo

Reply from Extra Karte

Sehr geehrter Kunde,

es tut uns leid zu hören, dass Sie mit unserem Service nicht zufrieden sind.

Wir möchten diese Gelegenheit nutzen, um Ihnen für Ihr Feedback zu danken und hervorzuheben, dass wir kontinuierlich an der Verbesserung unseres Services arbeiten. Ihre Meinung ist uns daher sehr wichtig und hilft uns, unseren Service weiter zu verbessern. Sollten Sie weitere Unterstützung benötigen, erreichen Sie uns unter support@extrakarte.com. Für weitere Informationen besuchen Sie bitte unsere Website unter www.extrakarte.com.

Wir sind gerne für Sie da, um Ihnen weiterzuhelfen.

Freundliche Grüße

Ihr Extra Karte-Team

Rated 4 out of 5 stars

Zufrieden!

Zufrieden!

It’s easy to apply and fast approval. It helps me on my financial needs.

24 February 2026
Extra Karte logo

Reply from Extra Karte

Dear Customer,

We would like to thank you for your positive feedback, especially regarding the simple application process. We are pleased that we were able to offer you a good service.

Thank you for taking the time to rate us.

Kind regards,

Your Extra Karte Team

Rated 5 out of 5 stars

Limit exeeded every month

I thing every month limit were exeeded is the best point

24 February 2026
Extra Karte logo

Reply from Extra Karte

Dear Customer,

We are pleased that you are satisfied with our service. Thank you for taking the time to provide feedback.

If you regularly use your card, avoid going over your credit limit and ensure you are making at least your monthly minimum payment on time you could, subject to the outcome of the individual assessment carried out for this end, be eligible for a credit limit increase..

We hope you continue to enjoy using your Extra Karte.

Kind regards,

Your Extra Karte Team

Rated 4 out of 5 stars

That I was giving a chance

That I was giving a chance

24 February 2026
Extra Karte logo

Reply from Extra Karte

Dear Customer,

We are pleased that you are satisfied with our fast service and that you were able to use your card promptly. Thank you for taking the time to leave your feedback, and we wish you happy shopping with your Extra card.

Kind regards,

Your Extra Karte Team

Rated 5 out of 5 stars

Exceptional very good

Exceptional very good

24 February 2026
Extra Karte logo

Reply from Extra Karte

Dear Customer,

We are happy to hear that you are satisfied with our service. Thank you for taking the time to leave us your feedback. We hope you enjoy using your Extra Karte.

Kind regards,

Your Extra Karte Team

Rated 5 out of 5 stars

Excellent service

Excellent service

10 March 2026
Unprompted review
Extra Karte logo

Reply from Extra Karte

Dear Customer,

We are happy to hear that you are satisfied with our service. Thank you for taking the time to leave us your feedback. We hope you enjoy using your Extra Karte.

Kind regards,

Your Extra Karte Team

Rated 3 out of 5 stars
Extra Karte logo

Reply from Extra Karte

Dear Customer,

Thank you for your feedback! For a detailed overview of our fees, please refer to our cost overview. There you will find all our charges.

If further support is needed, you can reach us at support@extrakarte.com. For more information, please visit our website at www.extrakarte.com.

We’re committed to assisting you further.

Kind regards,

Your Extra Karte-Team

Rated 2 out of 5 stars

No one answer any of my messages in 7…

No one answer any of my messages in 7 days

10 February 2026
Extra Karte logo

Reply from Extra Karte

Dear Customer,

We’re sorry to hear that our service didn’t meet your expectations. To ensure your concern is addressed promptly, please reach out to the appropriate department using the email addresses listed below. Application: info@extrakarte.com Customer Support: support@extrakarte.com

Invoice: rechnung@extrakarte.com

We’re committed to assisting you further.

Best regards,

Your Extra Karte team

Rated 2 out of 5 stars

Did not get the defined limit as per…

Did not get the defined limit as per application.

17 February 2026
Extra Karte logo

Reply from Extra Karte

Dear Customer,

We are sorry to hear that you are not satisfied with your credit limit. We understand that a lower-than-expected credit line can be frustrating. We would however highlight that the Bank is required to determine the credit limit based on the outcome of an individual assessment carried out in accordance with strict legal requirements. This is to ensure consumer protection and responsible lending practices.


Notwithstanding the above, the good news is that we actively review accounts, and your credit limit can be reassessed after just a few months. It's important that you avoid going over your credit limit, ensure you always make at least your minimum monthly payment on time and keep your data updated.

In case your limit has been increased, you will be automatically informed by email. If further support is needed, you can reach us at support@extrakarte.com. For more information, please visit our website at www.extrakarte.com.

We’re committed to assisting you further.

Kind regards,

Your Extra Karte-Team

Rated 5 out of 5 stars

Great card

Fast processing time and easy way

10 February 2026
Extra Karte logo

Reply from Extra Karte

Dear Customer,

We are happy to hear that you are satisfied with our service. Thank you for taking the time to leave us your feedback. We hope you enjoy using your Extra Karte.

Kind regards,

Your Extra Karte Team

Rated 5 out of 5 stars

It's much better

It's much better, thank you 😍

10 February 2026
Extra Karte logo

Reply from Extra Karte

Dear Customer,

We are happy to hear that you are satisfied with our service. Thank you for taking the time to leave us your feedback. We hope you enjoy using your Extra Karte.

Kind regards,

Your Extra Karte Team

Rated 5 out of 5 stars

Sehr gut ❤️

Remarkable experience its to good

17 February 2026
Extra Karte logo

Reply from Extra Karte

Dear Customer,

We are happy to hear that you are satisfied with our service. Thank you for taking the time to leave us your feedback. We hope you enjoy using your Extra Karte.

Kind regards,

Your Extra Karte Team

Rated 5 out of 5 stars

Fantastic credit card

Fantastic credit card

27 February 2026
Unprompted review
Extra Karte logo

Reply from Extra Karte

Dear Customer,

We are happy to hear that you are satisfied with our service. Thank you for taking the time to leave us your feedback. We hope you enjoy using your Extra Karte.

Kind regards,

Your Extra Karte Team

Rated 5 out of 5 stars

very easy transitiond is very good it's companies…

This card is very good it's companies very good I also I am happy everything

10 February 2026
Extra Karte logo

Reply from Extra Karte

Dear Customer,

We are happy to hear that you are satisfied with our service. Thank you for taking the time to leave us your feedback. We hope you enjoy using your Extra Karte.

Kind regards,

Your Extra Karte Team

Rated 5 out of 5 stars

Very nice and interesting experience…

Very nice and interesting experience for my first time I really enjoyed using the card and the workers are very friendly when talking to you I really recommend

10 February 2026
Extra Karte logo

Reply from Extra Karte

Dear Customer,

We are happy to hear that you are satisfied with our service. Thank you for taking the time to leave us your feedback. We hope you enjoy using your Extra Karte.

Kind regards,

Your Extra Karte Team

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