Collecting PAYBACK Points 2026: 11 Tips for 3× More

Quick answer: The most important PAYBACK partners in 2026 are EDEKA, dm, Aral and Amazon (REWE and Penny are NO LONGER partners!). For maximum points: activate coupons in the app, stack product-category coupons, and use the free PAYBACK AMEX for non-partner purchases. That’s how you collect 3x more points than the average user.

PAYBACK is Germany’s largest rewards program with over 30 million active users. But most people give away points because they don’t use the system correctly.

Here are 11 tips that will help you collect more PAYBACK points.

Basics: How PAYBACK Works

With PAYBACK, you collect points by making purchases at partner companies. The standard rate:

• 1 point per €2 spent (at most partners)
• 1 point = 1 cent when redeeming

That sounds like little — and it is, if you only use the baseline. With coupons and the right strategy, you get a lot more out of it.

Complete PAYBACK Partner List 2026

Here are all the important PAYBACK partners where you can collect points (as of February 2026):

Supermarkets & Groceries

Partner	Points Rate	Notable Features
EDEKA	1 point / €2	Largest supermarket partner, regular 3x to 5x coupons
Netto	1 point / €2	Also in the Netto online shop

Drugstore & Health

Partner	Points Rate	Notable Features
dm	1 point / €2	Highest multipliers: up to 20x (total), 33-44x (product categories)
Apollo	1 point / €2	Optician

Fuel & Mobility

Partner	Points Rate	Notable Features
Aral	1 point / 2L	Regular multi-point coupons + free products

Online Shopping & Fashion

Partner	Points Rate	Notable Features
Amazon	1 point / €2	Start via payback.de/amazon
AboutYou	Varies	Fashion, high eCoupon multipliers
Thalia	1 point / €2	Books & media
C&A	1 point / €2	Fashion

Travel & Hotels

Partner	Points Rate	Notable Features
booking.com	1 point / €2	Hotels worldwide

Other Partners

Partner	Points Rate	Notable Features
Fressnapf	1 point / €2	Pet supplies
GALERIA	1 point / €2	Department store

Important — NOT PAYBACK partners: REWE and Penny have NOT been PAYBACK partners since 2024. This is one of the most common misconceptions. For shopping, use EDEKA or Netto instead.

Tip 1: Activate Coupons Before Every Purchase

The single most important tip. In the PAYBACK app, you’ll find personalized coupons with:

• Multi-points (2x, 3x, 5x or more)
• Extra points (e.g. 100 points on a €20 purchase)

How it works:

1. Open the PAYBACK app
2. Tap “Coupons”
3. Activate relevant coupons
4. Scan your PAYBACK card (or app) when paying

Tip 2: Use eCoupons for Online Purchases

For online partners, there are eCoupons. You activate these before your purchase in the app or on payback.de.

Some partners regularly offer high multipliers — that’s especially worthwhile for larger purchases.

Tip 3: EDEKA — The Supermarket Partner

Since 2024, EDEKA has been PAYBACK’s largest supermarket partner. The potential:

• Base: 1 point per €2 spent
• With coupons: Often 3x to 5x points on certain product categories
• Extra points: Often 100-200 points above a certain purchase value

Tip: EDEKA regularly has product-category coupons (e.g. multi-points on fruit & vegetables).

Tip 4: Gas Station Coupons at Aral

Aral regularly offers coupons for:

• Multi-points on fuel
• Extra points on shop items
• Free products (coffee, water)

Before filling up: check the app and activate coupons.

Tip 5: Use the PAYBACK AMEX Card

With the free PAYBACK American Express, you collect extra points on all card spend — even at merchants that aren’t PAYBACK partners.

• Welcome bonus: 4,000 PAYBACK points (until 14 June 2026)
• Annual fee: Free
• Earn rate: 1 point per €3 spent everywhere

Note: The earn rate is worse than with the regular PAYBACK card (1 point per €3 instead of 1 per €2 at partners). So only use the AMEX card at non-partners.

Apply for the PAYBACK AMEX now* - 4,000 PAYBACK points (until 14 June 2026)

Tip 6: Up to 20x Points at dm and Coupon Stacking

dm regularly offers 20x points on your entire purchase and up to 33-44x on product categories (facial care, nutrition, cosmetics). The secret: Type A (entire purchase) and Type B (product category) can be activated at the same time.

dm coupon stacking example:

• Type A: 20x on the entire purchase
• Type B: 33x on facial care
• Result: 33x on facial care + 20x on the rest + minimum-amount bonus

That’s how you quickly collect over 1,000 PAYBACK points on a single dm purchase.

Pro tip: How to use coupon stacking optimally, when the best promotions run, and how to get up to 20% and more back is covered in the Premium Handbook. There we show you the complete strategy with timing and concrete examples.

Tip 7: Check Your Points Balance Regularly

Points aren’t always credited immediately. Check:

• After online purchases: wait 4-6 weeks
• For missing points: file a complaint
• Watch the expiration date: points expire after 36 months of inactivity (with the PAYBACK AMEX* no problem — every card transaction counts as activity)

Tip 8: Redeem Points Wisely

Worst option: Rewards in the PAYBACK shop (often overpriced)

Better options:

• Pay directly at partners (1 point = 1 cent)
• Vouchers (sometimes with a bonus)
• Convert into Miles & More miles (mind the ratio)

Conversion to Miles & More:

• 1 PAYBACK point = 1 Miles & More mile (minimum: 200 points)
• Wait for transfer bonus promotions (20-25% extra miles!) - Transfer Bonus Guide

Tip: If you collect AMEX Membership Rewards, you have even more redemption options. Read our AMEX Redeem Points Guide for all options.

More on this: Miles & More vs AMEX: What’s the Difference?

Tip 9: Use PAYBACK Go

PAYBACK Go is a feature in the app where you collect points by walking:

• 10,000 steps = 1 point
• Sounds like little, but it adds up

Tip 10: Multiple Cards Can’t Be Combined

Important: You can only use ONE PAYBACK card per purchase. Family accounts aren’t possible.

But: Each family member can have their own account and pool points later (via transfer).

Tip 11: Take Advantage of Seasonal Promotions

PAYBACK regularly has big promotion weeks:

• Spring: Points weeks at dm
• Black Week: November, often high multipliers at partners
• Christmas: Extra coupons

Plan larger purchases for these periods.

Frequently Asked Questions (FAQ)

Is REWE still a PAYBACK partner?

No! REWE and Penny have NOT been PAYBACK partners since 2024. This is a common misconception. For shopping, use EDEKA or Netto instead.

What is coupon stacking?

Coupon stacking means activating multiple coupons at the same time — e.g. a product-category coupon and a minimum-amount coupon. Both are combined for maximum points.

Should I use the PAYBACK AMEX at PAYBACK partners?

No! The PAYBACK AMEX only collects 1 point per €3, while the regular PAYBACK card collects 1 point per €2. Only use the AMEX at merchants that are NOT PAYBACK partners.

When do my PAYBACK points expire?

After 36 months of inactivity. Every point collection or redemption resets the timer. Tip: With the free PAYBACK AMEX*, every card transaction counts as activity — your points practically never expire.

How do I get 1,000 PAYBACK points quickly?

The fastest way to collect 1,000 points is through coupon stacking at dm: activate multiple coupons at the same time (e.g. 5x points + extra points above a minimum amount). On a purchase of €30-50, 1,000+ points is realistic. Alternatively: The PAYBACK AMEX* gives you 4,000 PAYBACK points as a welcome bonus (until 14 June 2026).

Can I convert PAYBACK points into Miles & More miles?

Yes, at a ratio of 200 PAYBACK points = 100 Miles & More miles. But that’s only worthwhile if you have a concrete flight destination and want to redeem the miles soon. Wait for transfer bonus promotions for 20-25% extra miles.

Common Mistakes

1. Forgetting coupons — The biggest mistake
2. Thinking REWE or Penny are PAYBACK — Neither is a partner anymore
3. Using the PAYBACK AMEX at partners — Worse rate
4. Letting points expire — After 36 months of inactivity (solution: PAYBACK AMEX*)

Conclusion

PAYBACK is worthwhile with the right approach. The base rate (1 point/€2) is low, but with coupons you get significantly more points.

The most important habits:

1. Check the app before every purchase — Which coupons are available?
2. Activate coupons — Takes 10 seconds
3. Show your PAYBACK card — Don’t forget!

Want to get the maximum out of it? In the Premium Handbook we show you advanced strategies like optimal coupon stacking, the best timing tricks, and how to combine PAYBACK with other rewards systems — for 500,000+ points a year.

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PAYBACK is a great entry point into collecting points. For significantly more potential, check out the Premium Handbook.