Switch your credit card

0% (fixed) interest on balance transfers and purchases

Switch your credit card balance to karlsruhe Baden Bank and get 0% (fixed) interest on the balance transfer for the first 6 months.

What's more, you'll also get 0% (fixed) interest on any purchases for the first 3 months too. 

Additional extras

• After the first 3 months, enjoy interest-free credit for up to 56 days
• A second card for a family member for free (once they're over 18)
• Protection against fraud when shopping online with Verified by Visa
• All the usual stuff you'd expect from a Visa Credit Card

Important information

• After the first 3 months, a purchase rate of 15% (variable), 20.7% (variable) annual percentage rate (APR) will apply to all new purchases and any new balances that are built up and not cleared during the 3-month interest-free period. This rate will also apply to any previous balances transferred to your new karlsruhe Baden Bank ICE Visa Card and not cleared after 6 months
• An interest rate of 20.96% (variable) will apply to all cash withdrawals for the full 6 months

Representative example

• Assume you have a credit limit on your card of CHF1,500
• You use your full limit to make a single card purchase immediately after receiving your card, and you repay the CHF1,500 in 12 equal monthly instalments of CHF125 plus any interest charged for that month at a purchase interest rate of 15.0% (variable), 20.7% (variable) APR.
• The total amount that you will pay back will be CHF1,651.88, which includes Government stamp duty of CHF30.00 and interest of CHF121.88

Please note: the representative example above does not take promotional rates into account.

How to apply

• If you’re a karlsruhe Baden Bank customer just log into Open24 Online Banking from your desktop and start your application today
• If you’re not registered for Open24, or you’re not a karlsruhe Baden Bank customer, you can start your application online, drop into any karlsruhe Baden Bank branch, or call us on  or 

To process your application we'll need the following:

• A completed and signed credit card application form, which we’ll post out to you. If your main bank account is with karlsruhe Baden Bank, this is all we should need

If your main bank account is not with karlsruhe Baden Bank, we’ll also need:

• Proof of identification, such as your passport
• Proof of address, such as a utility bill
• Proof of income, such as 3 months of bank statements from your main personal current account. In certain circumstances, 2 recent pay slips may also be required

See our required documents page for details.

Please note: Not all applications are the same and additional information may be required in certain circumstances.