PAYBACK Visa
Credit card for PAYBACK fans — collect points on every purchase.
Score: 8.1 / 10 · Very good
Rating: 8.4 / 10 · 2.210 reviews
Best for: Collecting points
Overview
The PAYBACK Visa is a charge card from PAYBACK on the Visa network. Credit card for PAYBACK fans — collect points on every purchase. The annual fee is €29. The card also waives the usual foreign currency fee abroad.
Who is it for?
Our take: Collecting points. Its strengths lie in travel and use abroad, collecting points or miles (worth approx. 0.2 %) and mobile payments. It is issued without a German IBAN, so no additional checking account is strictly required. Transactions are collected and billed periodically.
How the score is calculated
Overall score: 8.1 / 10 · Very good
| Costs (30 %) | 6.1 / 10 |
|---|---|
| Foreign currency (18 %) | 10.0 / 10 |
| Cash worldwide (14 %) | 10.0 / 10 |
| Interest (10 %) | 7.5 / 10 |
| Cashback & bonus (10 %) | 1.3 / 10 |
| Features (6 %) | 1.8 / 10 |
| Community signal (12 %) | 8.5 / 10 |
Highlights
- Earn points on every purchase
- No foreign currency fee
- Integrated PAYBACK rewards
- Free cash withdrawals abroad
Costs & Fees
| Annual fee | €29 |
|---|---|
| Welcome bonus | 3,000 points |
| Eff. annual interest | — |
| Type | Charge card |
| Network | Visa |
| Issuer | PAYBACK |
3,000 points welcome bonus subject to conditions
The annual fee is €29. You pay no surcharge abroad or in foreign currency. Cash withdrawals abroad are free of charge. In Germany, cash withdrawals cost 2 % (min. €5). Billing: Monthly billing, full balance settled by direct debit.
Redirect to provider · non-binding
This card in our comparisons: Miles & Cashback Credit Cards · Visa Credit Cards Compared · Credit Cards Without Foreign Transaction Fees Compared
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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?
- The PAYBACK Visa is a charge card — transactions are collected and billed periodically.
- Does the PAYBACK Visa require a SCHUFA check?
- Yes, PAYBACK runs a SCHUFA credit check for the PAYBACK Visa; a negative SCHUFA record can lead to rejection.
- 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).