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Payback: is it Worth it at all? All the info and tips

  • Mar 25, 2026
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With the Payback card you can earn points while shopping and redeem. Whether this is worthwhile, read this practical tip.

How does Payback?

First of all, the question is, what Payback is and how it works:

  • If you have to show for it when you Pay at Payback partner companies in the card or the Payback App, you will earn points. You can then redeem and products in the Payback Shop, cheaper to buy.
  • The Payback GmbH belongs to the Loyalty Partner group , Munich, a subsidiary of American Express. In addition to Payback, the group is also responsible for the rail card and the Miles-and-More program of Lufthansa.
  • When you show a partner company, the Payback card while shopping, stores Payback your purchase and know that you are interested in.
  • The partner company can request a Payback data to a specific target audience in order to target advertising and offers to play. For example, men living in Frankfurt and, often, PC-games buy to let the most appropriate advertising.
Payback: is it Worth it? Info

Payback: Pays to collect the points?

If the collect points with Payback is worth it, you will recognize the easiest way to get a simple example:

  • These are worth Collecting just rare, because you have to collect in order to get products cheaper. Although there are always special Coupons that you can, for example, 10x-collect points, you must activate but always first in the App. Automatically this Coupon will be credited to you offers.
  • At Rewe you can get, for example (without Coupon) 1 point per 2 € turnover.
  • Example: Buy one per week for 50 euros at Rewe, you will get 25 points. That's the equivalent of 25 cents. Per month you get credit to the value of a Euro.
  • If you want to save for two years, you can save so once 24 Euro for a purchase.
  • Alternatively, you can redeem points against products. A WMF pan, for example, costs 3500 points. In this pan you will need to save for almost three years.
  • These dates are based on the input adopted in the weekly 50-Euro-shopping. You spend less money, you need to save longer.
  • The premiums paid are out of all proportion to the collected data.
Payback is worth it?

Display: free PAYBACK credit card for 40 Euro starting balance

Currently you can the free pack back credit card from American Express with a 40 Euro starting credit request. In order to in Shops that are not official PAYBACK Partner such as Amazon or Aldi. At PAYBACK partners, you score double. The offer: free PAYBACK card with 40 Euro starting balance

Of interest to you, nevertheless, for Payback, you will learn in the next tip, as in the case of Payback can log on.

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