REWE Credit Card – How to Apply and Earn Rewards on Groceries

The REWE Credit Card is a practical choice for shoppers who frequent one of Germany’s most popular supermarket chains. 

Designed to pair with the PAYBACK rewards program, it helps you earn points on everyday grocery purchases. 

This guide shows you how to apply and start saving on your REWE shopping.

What is the REWE Credit Card?

The REWE Credit Card is issued in partnership with PAYBACK and a licensed banking provider such as Commerzbank. 

It typically operates on the Mastercard network, allowing for broad acceptance in stores and online. 

This card is designed for frequent REWE shoppers, families, and anyone looking to earn rewards while managing grocery expenses efficiently.

Key Features and Benefits

The REWE Credit Card offers practical perks tailored for everyday grocery shopping. 

Here are the main features that make it a valuable tool for frequent REWE customers:

• PAYBACK Points on Purchases: Earn points every time you shop at REWE and other PAYBACK partner stores.
• Welcome Bonus: New users may receive a points bonus after their first purchase or registration.
• No Annual Fee Option: Some card versions have no annual fee or offer the first year free.
• Mobile Payment Support: Compatible with Apple Pay and Google Pay for contactless payments.
• Secure Transactions: Includes standard fraud protection and optional purchase insurance.
• Flexible Use: Accepted anywhere Mastercard is used, not just at REWE.

Eligibility Requirements

Before applying, you must meet the basic conditions set by the issuing bank. 

These help ensure you’re qualified for approval and can manage the card responsibly:

• Minimum Age: You must be at least 18 years old.
• Residency: A permanent address in Germany is required.
• Bank Account: You need a German bank account (Girokonto) for repayments.
• Credit Check: A positive SCHUFA score or similar credit assessment is typically required.
• Proof of Identity: Valid ID or passport, plus verification via PostIdent or VideoIdent.
• Proof of Income: May be requested depending on the issuer’s policies.

How to Apply for the REWE Credit Card

Applying is straightforward and can be done online or in person. Here’s how to get started:

1. Visit the official application page: Go to the REWE or PAYBACK website and locate the section for credit card applications.
2. Fill out the online form: Provide your details, including name, address, and income information.
3. Verify your identity: Complete the identity verification process, typically via PostIdent or VideoIdent.
4. Submit your application: After submission, you’ll receive a confirmation, and, if approved, your card will be mailed to you.

Interest Rates and Fees

Before applying, it’s essential to understand the costs associated with the card. 

These include interest rates and various fees that may apply depending on how you use the card.

• Purchase Interest Rate (APR): Typically ranges between 18% and 24%, depending on your creditworthiness and the issuing bank.
• Cash Advance Fee: Typically, a fee of 3% to 5% of the withdrawn amount, with interest accruing immediately.
• Foreign Transaction Fee: Approximately 1.5% to 2% of the transaction amount when used outside the Eurozone.
• Late Payment Fee: A fee of up to €30 may be charged if a payment deadline is missed.
• Annual Fee: Some versions of the card may have no annual fee, while others might charge up to €30 per year.

Managing Your Card and PAYBACK Account

Once approved, you can easily manage both your card and rewards using digital tools. 

This helps you stay in control of your spending and maximize your benefits:

• Use the PAYBACK App: Track your point balance, activate coupons, and view partner offers.
• Access Online Banking: Log in to the bank’s portal to check transactions, set limits, and make payments.
• Enable Notifications: Get real-time alerts for purchases and available offers.
• Redeem Points: Convert PAYBACK points into REWE coupons or use them with other partners.
• Set Up Mobile Payments: Link your card to Apple Pay or Google Pay for easy checkout.
• Check Statements: Review monthly statements to monitor spending and avoid late fees.

How to Redeem Rewards

You can redeem your PAYBACK points in several quick and flexible ways. Here’s a simplified list of the most common options:

• In-Store: Redeem points at checkout in stores like dm, Aral, and C&A. Typically, 100 points equals €1 off.
• PAYBACK App: Open the app, tap “Redeem points,” choose the amount, and scan the QR code at checkout.
• Online Shop: Redeem points for products or gift cards at the PAYBACK web store, featuring brands like Zalando and IKEA.
• Airline Miles: Convert points to Lufthansa Miles & More at a 1:1 ratio.
• Bank Transfer: Transfer points to your bank account (1 point = €0.01).
• Donate: Support charities by donating points through the PAYBACK site.

Strategic Tips to Maximize Grocery Rewards

Using your card smartly can help you earn more rewards with less effort. Here are practical ways to get the most value from your grocery spending:

• Pay with the Card for All REWE Purchases: Always use the card at checkout to ensure you earn points or cashback.
• Combine with Loyalty Programs: If REWE offers its program (like REWE Bonus), link and use it alongside your card.
• Activate Weekly Offers: Use app-based or in-store promos to boost your points or savings.
• Use Mobile Wallets: Pay via Apple Pay or Google Pay for quick, secure transactions and eligible bonus deals.
• Track Spending: Use the bank or PAYBACK app to monitor spending and spot reward opportunities.
• Redeem Smart: Earn and save points for high-value redemptions, such as gift cards, special promotions, or travel miles.
• Shop During Promotions: Look out for double points events or seasonal reward boosts.

Customer Service and Support Channels

If you need help with your card, several support options are available. Whether it’s a question about billing, lost cards, or account access, here’s where to turn:

• Card Issuer Hotline: For account-specific assistance, please contact the bank or financial institution listed on the back of your card.
• Email Support: Use the contact form on the issuer’s official website for non-urgent inquiries.
• PAYBACK Customer Service: For questions about points or the PAYBACK app, contact PAYBACK directly via their app or website.
• Online Help Center: Visit the REWE Kartenwelt or PAYBACK FAQ pages for answers to common questions.
• In-Person Help: Some REWE stores offer service counters for basic support and inquiries.
• Lost or Stolen Card Hotline: Report a missing card immediately to block it and request a replacement.

REWE Credit Card vs Other Grocery Store Cards

When comparing grocery credit cards in Germany, it’s essential to consider how the REWE card stacks up. 

Here’s how it stacks against similar cards from other supermarket chains:

REWE Credit Card

• Linked to PAYBACK (until Dec 2024) or REWE Bonus afterward.
• Mastercard network, widely accepted.
• Focused on in-store and partner rewards.

Edeka Credit Card

• Often issued by Hanseatic Bank.
• Offers Edeka-specific discounts and promotions.
• May include annual fees depending on the version.

Lidl Pay or Prepaid Cards

• No full credit card, but offers mobile payment options.
• Focuses on convenience, not rewards.
• Limited features compared to full credit cards.

Aldi Payment Options

• Does not issue its own credit card.
• Accepts various cards but no branded reward system.
• No cashback or loyalty points for card use.

Netto Maestro Card (Discontinued)

• Tied to a specific account, no longer active in most cases.
• Limited functionality and rewards.

The Bottomline

The REWE Credit Card provides practical benefits for everyday grocery shopping, particularly when combined with rewards programs. 

Its simple application process and flexible features make it a valuable option for frequent shoppers. 

If you’re ready to earn more on your weekly spending, consider applying online today.

Disclaimer

Terms, interest rates, and rewards may vary depending on the issuing bank and current offers. 

Always check the official REWE or card issuer’s website for the most up-to-date and accurate information before applying.