PAYBACK Visa
Credit card for PAYBACK fans — collect points on every purchase.
Score: 7.0 / 10 · Fair
Rating: 8.4 / 10 · 2.210 reviews
Best for: Collecting points
Overview
The PAYBACK Visa is a genuine credit card from PAYBACK on the Visa network. Credit card for PAYBACK fans — collect points on every purchase. The annual fee is €29 and also waives the usual foreign currency fee abroad.
Who is it for?
The card is particularly suited to collecting points. Its strengths lie in payments in foreign currency and mobile payments. It is issued without a German IBAN, so no additional checking account is strictly required. As a genuine credit card it offers a credit line (effective annual interest 21.93 %).
How the score is calculated
Overall score: 7.0 / 10 · Fair
| Costs (30 %) | 6.1 / 10 |
|---|---|
| Foreign currency (18 %) | 10.0 / 10 |
| Cash worldwide (14 %) | 5.0 / 10 |
| Interest (10 %) | 5.1 / 10 |
| Cashback & bonus (10 %) | 0.0 / 10 |
| Features (6 %) | 1.8 / 10 |
| Community signal (12 %) | 8.5 / 10 |
Interest safeguard: −0.2 points due to high effective interest on installments.
Highlights
- Earn points on every purchase
- No foreign currency fee
- Integrated PAYBACK rewards
- Multiple points at partners
Costs & Fees
| Annual fee | 29 € |
|---|---|
| Welcome bonus | — |
| Eff. annual interest | 21,93 % |
| Type | Credit card |
| Network | Visa |
| Issuer | PAYBACK |
The annual fee is €29. You pay no surcharge abroad or in foreign currency. A fee of 2 % applies to cash worldwide. The effective annual interest rate is 21.93 % (for instalment payments). Billing: Monthly billing with optional installment (revolving) repayment.
Redirect to provider · non-binding
This card in our comparisons: Credit Cards With Instalments · Visa Credit Cards Compared · Credit Cards Without Foreign Transaction Fees Compared · Credit Cards Without SCHUFA Compared
Similar credit cards
- BBVA Credit Card Classic – Fee-free credit card with free worldwide withdrawals and a German IBAN.
- Deutschland-Kreditkarte Classic – Well-known free Visa credit card with no account requirement, recommended by Stiftung Warentest.
- Hanseatic Bank GenialCard – Popular fee-free credit card with free worldwide withdrawals.
- Easybank Credit Card – Flexible credit card with no account requirement — successor to the Barclays Visa.
Frequently asked questions
- What does the PAYBACK Visa cost per year?
- The PAYBACK Visa costs €29 per year.
- Does the PAYBACK Visa charge foreign currency fees?
- No. With the PAYBACK Visa you pay no foreign currency fee worldwide.
- Is the PAYBACK Visa a genuine credit card?
- Yes, the PAYBACK Visa is a genuine credit card with a credit line (effective annual interest 21.93 %).
- Is the PAYBACK Visa available without SCHUFA?
- Yes, the PAYBACK Visa can generally be obtained without a classic SCHUFA credit check or without a negative SCHUFA record. The provider's terms always apply.
- How is money on the PAYBACK Visa protected?
- Statutory deposit guarantee via the Sparkassen-Finanzgruppe protection scheme (DSGV), up to €100,000. PAYBACK Visa is issued by BW-Bank (Baden-Württembergische Bank, brand of LBBW).