Miles & More Kreditkarte review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Miles & More Kreditkarte suits account holders who already pay monthly and want travel cover with no separate premium, scoring 9.6 overall. Cost is the strongest argument, with the travel cover priced inside the account. The trade-off is cover limited to travel, which makes it a card benefit rather than a policy in itself.
Key facts
- Best for
- Account holders who pay monthly and want travel cover at no extra premium.
- Premium from
- €0 (Source, checked September 26, 2026)
- Insurance types
- Travel (Source, checked September 26, 2026)
- Monthly payments
- Yes (Source, checked September 26, 2026)
- Claims channels
- Phone, Email (Source, checked September 26, 2026)
- Legal entity
- Deutsche Bank AG (Source, checked September 26, 2026)
- Headquarters
- Germany (Source, checked September 26, 2026)
- Support channels
- Phone, Email, Help-centre (Source, checked September 26, 2026)
- Pricing model
- Monthly
- Official website
- miles-and-more-kreditkarte.com
Apps and profiles
- Get the app
- Google Play
- Elsewhere
Pros and cons
Pros
- The travel cover carries a premium of €0, so account holders pay nothing extra for it.
- Monthly payments are supported, so the cost lands as a regular instalment instead of a lump payment.
- Support runs on phone, email and help centre and claims run on phone and email, so phone and email carry both sides of the service.
- The entry D-H0AV-L0HOD-14 gives the intermediary a public record in the German insurance intermediary register.
- Bonus.ch also lists a premium from CHF 0, so the two sit level on entry price for readers comparing.
Cons
- Travel is the only line in travel, while Good Sam Insurance Agency covers auto, home and renters.
- Claims run on phone and email, so the help centre on phone, email and help centre sits outside the claims route.
- The payment model is monthly, so monthly is the only instalment structure on offer.
Who it suits
- Account holders who already pay the account monthly and want travel cover carried on the card.
- Travellers who want support on phone, email and help centre and claims handled on phone and email.
- Readers who prefer an intermediary entry they can check in the German insurance intermediary register.
Who should look elsewhere
- Households wanting car, home or health cover in the same place: Good Sam Insurance Agency covers auto, home and renters.
- Readers comparing prices across currencies: EuroAsia Insurance lists UZS 60,000, a different currency from the €0 here, so the two figures do not sit side by side.
Safety and regulation
The safety question here is who stands behind the cover, and there is a record to point at. Miles & More Kreditkarte appears in the German insurance intermediary register kept by Industrie- und Handelskammer Frankfurt am Main, listed as D-H0AV-L0HOD-14. The insurer named on the offer is Allianz Partners, AWP P&C S.A., German branch in Aschheim. Registration covers the intermediary side of the sale, while the wording of the policy sets out what the cover itself pays.
Regulation
Regulation runs through a single entry. Miles & More Kreditkarte is registered in the Vermittlerregister, the German insurance intermediary register maintained by Industrie- und Handelskammer Frankfurt am Main, under D-H0AV-L0HOD-14. Being on that register means the intermediary operates inside the German framework for selling cover, and the entry can be looked up rather than taken on trust. The travel cover is sold under that registration, which leaves a named intermediary behind the offer in Germany.
What cover costs
The travel cover carries a premium of €0, listed as part of the account rather than as a standalone policy. Monthly payments are supported, so that amount is spread across the billing period instead of being settled in a single payment. For a holder already paying the account monthly, the travel cover adds nothing extra at this price point, and the monthly instalment is what carries the cost. Treat the figure as the entry price for account holders rather than a quote for an independent trip, since it is tied to the account rather than to a journey.
Who runs it
Miles & More Kreditkarte is run by Deutsche Bank AG, with its head office in Germany, so the offer comes from a bank rather than a travel specialist. That same bank carries the intermediary registration, listed as D-H0AV-L0HOD-14 on the German insurance intermediary register at Industrie- und Handelskammer Frankfurt am Main. Support runs on phone, email and help centre, which gives you phone, email and a help centre for questions about the account or the cover. A bank behind the travel policy means the contract sits with the same institution that handles the card.
How Miles & More Kreditkarte compares
9.1 vs 8.6
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 8.8
9.1 vs 8.7
9.1 vs 9.0
9.1 vs 9.4
9.1 vs 9.3
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 9.3- 9.1 vs 9.3
9.1 vs 9.3Max Life Insurance
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2- 9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 8.8
9.1 vs 8.8
9.1 vs 8.6- 9.1 vs 8.4
- 9.1 vs 8.2
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Where Miles & More Kreditkarte is available
- Available
- Germany
- Licence in Germany
- Allianz Partners, AWP P&C S.A., German branch (Bahnhofstrasse 16, D - 85609 Aschheim), checked September 26, 2026
- Licence in Germany
- Industrie- und Handelskammer Frankfurt am Main (German insurance intermediary register, Vermittlerregister) (D-H0AV-L0HOD-14), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Does the travel cover add anything to the bill I already pay?+
The travel cover carries a premium of €0 on the account, and monthly payments are supported, so that amount is spread across the billing period rather than taken in a single payment. The premium is the price of the cover inside the account, not a separate travel policy you buy on top. Check the current account terms for anything that changes the instalment.
How do I make a claim after a trip?+
Claims run on phone and email, which are phone and email. Support more broadly runs on phone, email and help centre, adding a help centre to those channels. In practice you can call or write about a claim, and use the help centre for the detail behind it. Phone is the quicker route for anything urgent while you are travelling.
Who is behind the cover?+
The legal entity listed is Deutsche Bank AG, with its head office in Germany. The travel cover is sold on that same card brand rather than through a separate travel insurer, so the name on your agreement is the bank. The head office country also tells you which set of rules the offer sits under.
Is the provider regulated?+
Yes. The provider appears in the German insurance intermediary register kept by Industrie- und Handelskammer Frankfurt am Main, under entry D-H0AV-L0HOD-14. The insurer named on the offer is Allianz Partners, AWP P&C S.A., German branch in Aschheim. The register entry gives you a record to check, and the policy wording is where the cover terms sit.
What kinds of insurance can I get through this account?+
Travel only, on the account. The listed insurance types are travel, so the card does not carry home, car or health cover with it. If you want several lines in one place, Good Sam Insurance Agency covers auto, home and renters and is the broader option.
Can I pay yearly instead of monthly?+
The payment model is monthly, and monthly payments are supported, so the cost is collected in monthly instalments. If you prefer to pay less often, check the current account terms before signing up, because the monthly structure is what the offer is built around. Support is unaffected by that schedule, with phone, email and help centre available on the same account.
Is this cheap next to other travel cover?+
On entry price, yes. A premium of €0 puts Miles & More Kreditkarte at 1 of 252 brands ranked on premium from, with the site median at €8.37. Treat it as a price for cover inside the account rather than a quote for a standalone trip, and the account terms decide the final instalment.
How do I get help if something goes wrong mid trip?+
Support runs on phone, email and help centre, so you have phone, email and a help centre on the same account. Claims narrow to phone and email, phone and email, which keeps the reporting route short. The help centre is the place for policy detail, and phone is the faster channel for anything urgent on a trip.
Sources
- miles-and-more-kreditkarte.com checked September 26, 2026
Backs: Insurance types, Pricing model, Monthly payments, Premium from, Licences
“With our gold credit card you enjoy comprehensive insurance cover with travel medical insurance, rental car additional insurance and services”
- miles-and-more-kreditkarte.com/de/kontakt.html checked September 26, 2026
Backs: Claims channels, Support channels
“Credit Card Service: +49 - 69 - 91 01 00 10; you can also reach the Credit Card Service online at any time, use our contact form”
- miles-and-more-kreditkarte.com/de/rechtliche-hinweise.html checked September 26, 2026
Backs: Headquarters, Legal entity
“Deutsche Bank AG is a stock corporation under German law with registered office in Frankfurt am Main, Taunusanlage 12, 60325 Frankfurt am Main, Germany”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Provider type.
Miles & More Kreditkarte
Account holders who pay monthly and want travel cover at no extra premium.