I have not many experiences as I am 19 and haven't switche banks, but my current bank requires a fee. See https://www.lzo.com/de/home/privatkunden/kreditkarte.html

INGDiba and Comdirect both offer free credit cards. Probably many more banks do as well.

Doesn't seem to be the case for ING:

https://www.ing.nl/particulier/betalen/creditcards/index.htm...

Comdirect does, but he is in the Netherlands.

In the Netherlands with my bank at least, yes there is a fee. There is also a fee for having a bank account with its included debit card, but you can't do without. Credit cards are of very limited use.