Danske Bank Mastercard Basis vs dm PAYBACK American Express Karte: fees, rewards and APR compared - DebitCue Skip to content
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Danske Bank Mastercard Basis vs dm PAYBACK American Express Karte

Compare Danske Bank Mastercard Basis and dm PAYBACK American Express Karte side by side: fees, rewards, APR, and perks.

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Cells with a check mark are the stronger value in that row. Ties stay unmarked.

Danske Bank Mastercard Basis versus dm PAYBACK American Express Karte compared by attribute
Feature Danske Bank Mastercard Basis dm PAYBACK American Express Karte
Card fee 250 DKK/yr (≈ $36) No fee
Purchase APR (from) 15.2% -
Interest-free period - 30 days
Foreign transaction fee 1.5% 2%
Rewards Cashback at 1,700+ participating stores, restaurants and webshops in Denmark via the Loyalty Key A/S programme. Cash payout once DKK 100 is accumulated. Specific cashback rate varies by merchant — no universal percentage published. 1 PAYBACK point per €3 spent everywhere; 2 PAYBACK points per €3 at dm stores. Double points at all PAYBACK partner merchants (card + merchant combined). Points transferable to Miles & More miles 1:1.
Installments 2–12 instalments for purchases over DKK 500 (available for cards issued before 4 October 2023 with prior instalment agreement; may require separate arrangement for newer cards). Splitpay optional installment loan via solarisBank
No card fee -
No foreign transaction fee - -
Welcome bonus -
Airport lounge access - -
Travel insurance -
Apple Pay / Google Pay

Which is right for you

Pick by how you spend

  • Choose the Danske Bank Mastercard Basis if its checked rows above line up with how you spend most.
  • Choose the dm PAYBACK American Express Karte if it wins on the features that matter most to you.
  • Still unsure? Read each full review below, then apply on the issuer's secure site.
Full review Danske Bank Mastercard Basis Full review dm PAYBACK American Express Karte

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