Refpo Credit Cards

Best Credit Cards in Germany

Browse country-specific cards and compare fees, rewards, and benefits.

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FieldAmerican Express PAYBACK CardHanseatic Bank GenialCard
Bank/providerAmerican Express GermanyHanseatic Bank
Joining fee€0€0
Renewal fee€0€0
Best forShopping, PAYBACK Rewards, Everyday SpendingInternational Travel, Foreign Spending, Free Cash Withdrawals Abroad
Reward rate
  • 1 PAYBACK Point per €3 spent at all American Express merchants
  • Double points at many PAYBACK partner stores
  • No point expiry while card is active
No rewards program
Cashback
  • Approximately 0.33% base return
  • Higher effective value through PAYBACK promotions and partner offers
  • 100 PAYBACK Points = €1 cash value
None
Lounge accessNoNo
Fuel surcharge waiverNoNo
Welcome benefit
  • 1,000 PAYBACK Extra Points
  • €20 Amazon Gift Card
None
Annual fee waiver conditionLifetime FreeLifetime Free
Eligibility
  • Age 18+
  • Primary residence in Germany
  • SEPA bank account
  • Minimum age 18 years
  • German residential address
  • German bank account
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