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 KBC Credit Card
Compare dm PAYBACK American Express Karte and KBC Credit Card side by side: fees, rewards, APR, and perks.
Last verified
KBC Credit Card
No rewards
KBC Credit Card
KBC Bank - Mastercard - Credit card
4.3
4.3 out of 5
8.6/10
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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 | KBC Credit Card |
|---|---|---|
| Card fee | No fee | No fee |
| Purchase APR (from) | - | 8.97% |
| Interest-free period | 30 days | 30 days |
| Foreign transaction fee | 2% | 1.6% |
| 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. | No structured cashback or points programme. Mastercard network benefits include free return shipping (up to €30, max 3 claims/year) and exclusive concert presale access through a Live Nation partnership. Mastercard Travel Rewards may provide cashback on select foreign transactions via the Mastercard network. |
| Installments | Splitpay optional installment loan via solarisBank | Repayments can be spread over multiple months via the optional KBC Flex Budget facility (open-ended credit reserve). Minimum monthly repayment is 5.6% of the outstanding balance. Interest accrues only on the outstanding amount. |
| 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 KBC Credit Card 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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