dm PAYBACK American Express Karte vs Swedbank Mastercard Gold: fees, rewards and APR compared - DebitCue Skip to content
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dm PAYBACK American Express Karte vs Swedbank Mastercard Gold

Compare dm PAYBACK American Express Karte and Swedbank Mastercard Gold 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.

dm PAYBACK American Express Karte versus Swedbank Mastercard Gold compared by attribute
Feature dm PAYBACK American Express Karte Swedbank Mastercard Gold
Card fee No fee 495 SEK/yr (≈ $47)
Purchase APR (from) - 12.93%
Interest-free period 30 days -
Foreign transaction fee 2% 1.65%
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. Earn 1 point per 1 SEK spent on all purchases. 25,000 points = 100 SEK statement credit (0.4 % effective cashback). Additional 15 öre/litre fuel discount at Preem staffed stations, credited on monthly invoice.
Installments Splitpay optional installment loan via solarisBank Revolving credit; minimum monthly payment 3 % of balance or 150 SEK. Full balance payment avoids interest.
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 Swedbank Mastercard Gold 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 dm PAYBACK American Express Karte Full review Swedbank Mastercard Gold

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