You can only get the German Miles + More Visa credit card if you live, have an address in Germany and have a German bank acc't. The card comes in the classic and gold version. Costs are between €50 and €95 per year depending on card type and taking the business option i.e. car insurance, retail coverage etc. The card is free for Senators and HON Circle members. Miles do not expire as long as you are a card member. You get 1mile for every 1€ spent. And finally, the card is issued by the Bayern LandesBank (Bavarian Land Bank). Hope this answers your questions.