PayLife Classic
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PayLife · MASTERCARD
The PayLife Classic is a credit card from PayLife on the Mastercard network. It has an annual fee of €28.30.
Verified 23 Oct 2026
Key facts
- Annual fee
- €28.30
- Purchase APR
- 13.53% p.a. (effective 14.4% on €2,200)
- Foreign transaction fee
- 2.65%
- Network
- MASTERCARD
Benefits and perks
- Choose a Visa or a Mastercard.
- The bill is paid in full each month unless you switch on instalments (free to set up); the instalment rate is the Austrian National Bank base rate plus 12 percentage points.
- 1.65% fee on payments in other currencies and on euro payments outside the EEA, plus an exchange-rate margin of 1% (EEA currencies, Swiss franc, US, Australian and Canadian dollar) or 1.5%.
- Purchase protection for 45 days after purchase.
- Basic travel cover for emergencies abroad (medical transport and repatriation).
Questions about the PayLife Classic
What is the annual fee on the PayLife Classic?
The PayLife Classic has an annual fee of €28.30.
Is the PayLife Classic worth it?
The PayLife Classic is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
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