Hey, you don't have to use the Ikea payment card to pay! The 10 euros were an incentive for Seppel to apply for the payment card, it should have already occurred to you that it’s not just a simple family card, since you had to provide information about your income and so on! Just present it to "get through," so you participate in the raffle and have transport insurance :D or maybe even get a discount! Likewise, in the restaurant, you only need to show the card to get a cup of coffee for FREE! :cool: But don’t worry – if an item is cheaper with the Family Card, the cashier will ask you for the card ;) I save much more immediately with this card than with the Payback card – immediately and noticeably in the wallet.