Credit card

dm PAYBACK American Express Karte

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AMEX

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Credit card American Express Germany American Express

Card review

dm PAYBACK American Express Karte

4.7 9.4/10 DebitCue Score Verified Jun 20, 2026

Die dm-Karte für doppelte Punkte bei dm und allen PAYBACK-Partnern

Fee: No fee; Permanently free
Purchase APR: Not published
Interest-free: 30 days
Foreign fee: 2%

Rewards

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.

Welcome offer

1,000 PAYBACK Extra points upon card issuance

Our verdict

What stands out, and where it falls short.

What we like

1 PAYBACK point per €3 spent everywhere; 2 PAYBACK…
Welcome bonus
No card fee
Pay in installments

Worth weighing

2% foreign transaction fee

Who It Is For

Whether the dm PAYBACK American Express Karte fits how you actually spend.

Pick it if you are

Anyone who wants a low-cost everyday card
People who want rewards on their spending
People who pay big purchases off over time

Skip it if you are

Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in EUR.

Card fee: No fee
Purchase APR: Not published
Interest-free period: 30 days
Foreign transaction fee: 2%
Jahresgebühr: Kostenlos (dauerhaft)
Fremdwährungsgebühr: 2,0 % außerhalb Eurozone
Bargeldabhebung: 4,0 %, mindestens 5,00 €

Rewards and features

Rewards: 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.
Welcome offer: 1,000 PAYBACK Extra points upon card issuance
Installments: Splitpay optional installment loan via solarisBank
Pay with: Apple Pay, Google Pay, Contactless
dm Bonuspunkte: 2 Punkte pro 3 € bei dm (doppelte Basispunkte)
PAYBACK Pay: Apple Pay, Google Pay und PAYBACK Pay unterstützt

Benefits and perks

Extras that come bundled with the card.

Verlängertes Rückgaberecht

90-day return protection beyond retailer policy
Keine Gebühren innerhalb Eurozone

No foreign transaction fee on euro-denominated purchases

dm PAYBACK American Express Karte: your questions answered

Does the dm PAYBACK American Express Karte have a card fee?

No - the dm PAYBACK American Express Karte has no card fee.

What rewards does the dm PAYBACK American Express Karte earn?

The dm PAYBACK American Express Karte earns 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..

Does the dm PAYBACK American Express Karte charge foreign transaction fees?

Yes - the dm PAYBACK American Express Karte charges a 2% foreign transaction fee.

Is there an interest-free period on the dm PAYBACK American Express Karte?

Yes - up to 30 days interest-free when you pay your balance in full by the due date.

Does the dm PAYBACK American Express Karte have a welcome offer?

Yes - 1,000 PAYBACK Extra points upon card issuance.

Can I pay in installments with the dm PAYBACK American Express Karte?

Yes - Splitpay optional installment loan via solarisBank.

Is the dm PAYBACK American Express Karte a credit, debit or prepaid card?

The dm PAYBACK American Express Karte is a credit card issued by American Express Germany on the American Express network.

Does the dm PAYBACK American Express Karte support Apple Pay and Google Pay?

Yes - the dm PAYBACK American Express Karte works with both Apple Pay and Google Pay.

Where can I get the dm PAYBACK American Express Karte?

The dm PAYBACK American Express Karte is currently offered in Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia and 22 more.

How does DebitCue rate the dm PAYBACK American Express Karte?

DebitCue rates the dm PAYBACK American Express Karte 4.7 out of 5 (9.4/10), scored on the same factors as every card - fees, rewards, perks and ease of use.