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

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

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Compared side by side

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

Danske Bank Mastercard Guld versus PAYBACK American Express Karte compared by attribute
Feature Danske Bank Mastercard Guld PAYBACK American Express Karte
Card fee 795 DKK/yr (≈ $120) No fee
Purchase APR (from) 8.7% -
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 accumulated. Guld cardholders receive 10% discount on optional add-on insurance premiums compared to Basis cardholders. 1 PAYBACK point per €3 spent everywhere; double points (card + merchant points) at all PAYBACK partner stores. Points never expire with active programme participation. PAYBACK points convertible 1:1 to Lufthansa Miles & More miles. Optional PAYBACK MAX upgrade at €35/year doubles earning to 2 points per €3.
Installments 2–12 instalments for purchases over DKK 500 (for cards issued before 4 October 2023 with prior instalment agreement). 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 Guld if its checked rows above line up with how you spend most.
  • Choose the 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 Guld Full review PAYBACK American Express Karte

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