dm PAYBACK American Express Karte
Points
dm PAYBACK American Express Karte
American Express Germany - American Express - Credit card
4.7
4.7 out of 5
9.4/10
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Head-to-head
dm PAYBACK American Express Karte vs Erste Bank Private Banking Card Visa
Compare dm PAYBACK American Express Karte and Erste Bank Private Banking Card Visa side by side: fees, rewards, APR, and perks.
Last verified
Erste Bank Private Banking Card Visa
Cash back
Erste Bank Private Banking Card Visa
Erste Bank - Visa - Credit card
4.1
4.1 out of 5
8.2/10
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Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | dm PAYBACK American Express Karte | Erste Bank Private Banking Card Visa |
|---|---|---|
| Card fee | No fee | €444 EUR/yr (≈ $480) |
| Purchase APR (from) | - | 5.19% |
| Interest-free period | 30 days | - |
| Foreign transaction fee | 2% | 1.5% |
| 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. | 0.60% cashback at participating online shops (max €30/year). Foreign currency transaction fees (1.5%) refundable 6 times per year. Gault&Millau dining rewards: exclusive champagne bottle from €20,000 annual spend; exclusive dinner for two with wine pairing from €30,000 annual spend. |
| Installments | Splitpay optional installment loan via solarisBank | Split Now available |
| 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 dm PAYBACK American Express Karte if its checked rows above line up with how you spend most.
- Choose the Erste Bank Private Banking Card Visa 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.
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