PayperWIZ

C24 Maxkonto Mastercard (debit) cashback rate, cap and annual fee

C24 Maxkonto Mastercard (debit) pays 1% on everything, as a base rate — on the first EUR 2,400 you spend on it each month, which is where the EUR 24 cap stops it. The card costs EUR 118.80 a year.

This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.

C24 · Germany · catalogue v117

Read from C24's own published terms on 30 Oct 2026.

EUR 118.80Annual fee
EUR 100Cap across the whole card
1%Best rate

What it pays, by category

SpendingRateMonthly cap
everything else1.00%EUR 24reached at EUR 2,400 of spend1% on almost every card payment until 2,400 Smily Punkte (EUR 24) in a month.
after the first EUR 24 of cashback in a montheverything else0.20%—0.2% for the rest of the month once EUR 24 of cashback is reached, up to EUR 100 in all.
A debit Mastercard on the C24 Maxkonto current account, EUR 9.90 a month (EUR 118.80 a year), which the 1% needs: the free Smartkonto pays 0.05% and the Pluskonto (EUR 5.90) 0.5% to EUR 12. Max pays 1% to EUR 24 a month, then 0.2%; at most 10,000 Smily Punkte (EUR 100) a month including promotions. Paid in Smily Punkte, 'ein Smily Punkt ist 0,01 EUR wert', which can be paid out in cash. Fees, deposits, cash, debits and transfers, interest, merchant credits, gambling, securities and PayPal or account top-ups earn nothing. Promotional Aktions-Cashbacks of up to 10% at named merchants are not modelled. No fee on card payments in foreign currency. Fixed: the 1% was tagged 'standard rate', so the card had no general rate, and the plan's EUR 118.80 was missing. Source: c24.de Preise page and the C24 Hilfe Center article on how cashback is calculated, read in a browser, read 30 Oct 2026.

Questions people ask

What cashback does the C24 Maxkonto Mastercard (debit) pay?

1% on everything, as a base rate and 0.2% at after the first EUR 24 of cashback in a month.

Is there a cap on the C24 Maxkonto Mastercard (debit)?

Yes — EUR 100 a month across the whole card, however you split your spending.

What is the annual fee on the C24 Maxkonto Mastercard (debit)?

EUR 118.80 a year.

Knowing the rate is not the same as remembering it

PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.

Download on the App Store

Other Germany cards read off the issuer