PAYBACK Visa Kreditkarte cashback rate, cap and annual fee
PAYBACK Visa Kreditkarte pays 0.2% on all spending. The card costs EUR 29 a year.
PAYBACK · Germany · catalogue v101
Read from PAYBACK's own published terms on 12 Sep 2026.
EUR 29Annual fee
0.2%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| All spending | 0.20% | —1 PAYBACK point per €5 spent, valued at one cent per point. |
"1 °P pro 5€ Umsatz" worldwide, "Jahresbeitrag von nur 29 €", and the points do not expire while the card is used. Unlike its Amex sibling there is no petrol exclusion; what does not earn is PayPal transfers to friends and family, reloading payment cards, peer-to-peer payments and ATM withdrawals — none of which this app ranks anyway. The percentage below assumes a point is redeemed at one cent, the standard redemption. Transferring to Miles & More can be worth more or less depending on the flight. Source: payback.de/info/visa, checked 12 Sep 2026.
Questions people ask
What cashback does the PAYBACK Visa Kreditkarte pay?
0.2% on all spending.
Is there a cap on the PAYBACK Visa Kreditkarte?
No monthly cap is published on the rates shown here.
What is the annual fee on the PAYBACK Visa Kreditkarte?
EUR 29 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. It works offline and never connects to a bank.
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