Business Gold Credit Card

Card with extra credit and secure travel for your company

  • Pay for goods and services, make transfers directly from a credit card account.
  • Mobile contactless payments via Apple Pay, Android app, or Garmin and Fitbit smartwatches.
  • Free travel insurance included for the card holder and his/her three colleagues.
  • Access to airport lounges with „LoungeKey™“.
Apply for card   Comparison of bank cards

Please be informed that starting from 24th September Swedbank is expanding collaboration with our long-term partner Mastercard.

  • As of this date, we will issue new and replaced Business Gold credit cards as Mastercard cards.
  • If you are holder of VISA Business Gold credit card which expires in or before 09/2020 it will be still renewed to VISA Business Gold credit card, but if credit card expires in or after 10/2020 it will be renewed to Mastercard Business Gold credit card.

Information for VISA cardholders here

  • Credit limit of EUR 1000 – 32 000.
  • There is an interest-free period of up to 40 days (from the purchase until the payment date) when paying by card.
  • An extensive travel insurance package, which applies to the card holder and 3 colleagues travelling with him/her.
  • Access to hundreds of airports lounges with LoungeKey™
  • Boingo Wi-Fi for Mastercard® cardholders*
  • Unique Mastercard World Elite offers.
  • Transfer money and withdraw cash directly from credit limit account. For a credit transfer or cash withdraw interest is calculated from the transaction date.
  • Cash depositing to credit card account available at „Swedbank” ATM’s.
  • Any credit limit spent and not repaid by the 10th date is automatically transferred from the current account linked to the credit card.
  • Pay for your purchases easily with contactless payments! Add Business Gold credit card to Apple Pay, Garmin Pay or Fitbit Pay solution, or use Swedbank app to tap your Android phone.
  • Contactless payments with card up to EUR 50 without PIN entry.
  • In order to pay with the card online you must activate Secure Internet Shopping.

Activate Secure Internet Shopping

  • The same credit limit can be used by several users, if you set each of them personal purchase and cash transaction limits.
  • By adjusting the user rights settings you can allow or disable various card transactions like payments, withdrawals, deposits, contactless functionality and account statement or balance requests.
  • User rights and limits can be changed by the legal representative of the company who, according to the commercial register, is authorised to represent the company alone, by using Smart-ID, Mobile-ID, ID-card or digital ID.
  • The card can only be issued to companies that have operated for at least six months.
  • When applying for a credit card, you must specify the desired credit limit, card holder(s), purchase and cash withdrawal limits.
  • Depending on the company’s turnover and credit history, the minimum credit limit is 1000 € and the maximum 32 000 €.
  • Please be aware that during limit granting process some additional documents could be requested. For example your last annual report if it is not submitted to the commercial register. The submitted balance and income statement must not be older than 12 months.
  • The card will be delivered to a branch of your choice within up to 5-10 business days.
  • The agreement must be signed by legal representative. Card could picked-up in branch by legal representative as well as by card holder if the agreement is signed before.

 

Effective as of 24.09.2020
Revolving credit card When paying for goods or services with the private person’s Revolving credit card, the bank shall not calculate interest as from making the transaction with the respective card until the last day (incl.) of the same month, after the aforementioned period, the bank shall begin calculating interest. Upon making a payment and withdrawing cash from the limit account, the bank shall begin calculating Interest immediately, unless the amount of the aforementioned transactions remains within the positive balance of the limit account.
monthly fee 1,30€, free of charge for people up to 25 years of age
monthly fee of an additional card 1,30 €
annual interest rate 19-22%
penalty ECB interest rate + 8% a year (currently 0.022% a day, 8.00% a year) The interest rate applicable to the main refinancing operations of the European Central Bank (the ECB interest rate). The ECB interest rate is published in the Ametlikud Teadaanded. The default interest rate may change twice a year (on January 1 and July 1) if the ECB interest rate has changed.
Fixed payment credit card
annual interest rate 19-22%
penalty ECB interest rate + 8% a year (currently 0.022% a day, 8.00% a year) The interest rate applicable to the main refinancing operations of the European Central Bank (the ECB interest rate). The ECB interest rate is published in the Ametlikud Teadaanded. The default interest rate may change twice a year (on January 1 and July 1) if the ECB interest rate has changed.
debt notice 3 €
Gold Revolving credit card When paying for goods or services with the private person’s Gold Revolving credit card, the bank shall not calculate interest as from making the transaction with the respective card until the 10th calendar day (incl.) of the following month, after the aforementioned period, the bank shall begin calculating interest. Upon making a payment and withdrawing cash from the limit account, the bank shall begin calculating interest immediately, unless the amount of the aforementioned transactions remains within the positive balance of the limit account.
monthly fee 4,96 €
monthly fee of an additional card 3,36 €
annual interest rate 17-20%
penalty ECB interest rate + 8% a year (currently 0.022% a day, 8.00% a year) The interest rate applicable to the main refinancing operations of the European Central Bank (the ECB interest rate). The ECB interest rate is published in the Ametlikud Teadaanded. The default interest rate may change twice a year (on January 1 and July 1) if the ECB interest rate has changed.
debt notice 3 €
Platinum credit card (Visa) When paying for goods or services with the Platinum credit card (Visa) or Platinum credit card (Mastercard), the transaction amount is subject to an up to 40-day interest-free period (between the date of purchase and the payment date). Upon making a payment and withdrawing cash from the limit account, the bank shall begin calculating interest immediately, unless the amount of the aforementioned transactions remains within the positive balance of the limit account.
monthly fee 12,90 €
monthly fee of an additional card 10,90 €
Visa Platinum extra package 160,20 € a year If the period between ordering Platinum extra package and expiry of Platinum credt card (Visa) or Platinum credit card (Mastercard) Visa Platinum card is less than one year, the Bank will debit a fee for an extra package in full amount.
The price is inclusive of VAT at the rate of 20%.
annual interest rate 14-17%
penalty ECB interest rate + 8% a year (currently 0.022% a day, 8.00% a year) The interest rate applicable to the main refinancing operations of the European Central Bank (the ECB interest rate). The ECB interest rate is published in the Ametlikud Teadaanded. The default interest rate may change twice a year (on January 1 and July 1) if the ECB interest rate has changed.
the Priority Pass salon visit fee
for holder of Visa Platinum card with extra package free of charge
for holder of Visa Platinum card without extra package 28 € per visitor
for persons accompanying Visa Platinum cardholder 28 € per visitor
Platinum credit card (Mastercard) When paying for goods or services with the Platinum credit card (Visa) or Platinum credit card (Mastercard), the transaction amount is subject to an up to 40-day interest-free period (between the date of purchase and the payment date). Upon making a payment and withdrawing cash from the limit account, the bank shall begin calculating interest immediately, unless the amount of the aforementioned transactions remains within the positive balance of the limit account.
monthly fee 14,90 €
monthly fee of an additional card 12,90 €
Platinum extra package 160,20 € a year If the period between ordering Platinum extra package and expiry of Platinum credt card (Visa) or Platinum credit card (Mastercard) is less than one year, the Bank will debit a fee for an extra package in full amount.
The price is inclusive of VAT at the rate of 20%.
annual interest rate 14-17%
penalty ECB interest rate + 8% a year (currently 0.022% a day, 8.00% a year) The interest rate applicable to the main refinancing operations of the European Central Bank (the ECB interest rate). The ECB interest rate is published in the Ametlikud Teadaanded. The default interest rate may change twice a year (on January 1 and July 1) if the ECB interest rate has changed.
the LoungeKey salon visit fee
for holder of Platinum credit card with extra package 20 free visits per calendar year, exceeding the limit, a fee of 28 € per visitor will be charged
for holder of Platinum credit card without extra package 28 € per visitor
for persons accompanying Platinum cardholder 28 € per visitor

General service and transaction fees

Card opening fee
opening a card at branch 2,50 €
opening a card in Internet Bank 1,50 €
Payment in a commercial enterprise free of charge
Cash withdrawal (without Platinum credit card (Mastercard)) 1,92 € + 2.5% of the amount
Cash withdrawal withPlatinum credit card (Mastercard) up to € 1,000 monthly, 2.5% fee after of the amount exceeding the limit
Transfer from credit card limit account according to regular bank transfers pricelist
Replacement of a card 7 €
Statement of transactions
in last month free of charge
a previous month 4 € per month
Amendment of a credit card agreement If upon the renewal of a credit card on the basis of an application, the credit limit of the credit card is rounded by increasing or decreasing the credit limit up to 50 € (incl.), no fee for amending the credit limit shall be charged when increasing or decreasing the credit limit.
increase of credit limit at branch 1% of the requested additional limit, min 10 €
increasing of credit limit in the Internet Bank 3,20 €
amendment of the agreement at branch 10 € (excluding changing the user limits)
amendment of the agreement in the Internet Bank free of charge
Closure of a credit card free of charge
Penalty for using a closed card 65 €
Copy of a receipt (inquiry)
a transaction in Estonia 4 €
a transaction abroad 8 €
Balance inquiry and statement in Swedbank’s terminals in Estonia free of charge
Balance inquiry in other bank’s terminals in Estonia and abroad The availability of the service in a foreign country depends on the foreign bank's ATM technical possibilities and service can be used with MasterCard/Maestro cards. 0,32 € per query
Demand for refund, unjustified
a transaction in Estonia 12 €
a transaction abroad 16 € (In case disputing card transaction made abroad, additional costs of the card organisations may apply)
Emergency cash assistance in abroad in Western Union service points If the ordered service is canceled, the bank will not refund the service fee. 40 €
Sending a card from one branch to another The price is inclusive of VAT at the rate of 20%. 2,50 €
Sending a card by mail
mail (Estonia) free of charge
Conversion fee for transactions in foreign currencies Added to the amount of every transaction made with the card if the card transaction is in a currency other than the euro.
VISA or MasterCard (except Platinum credit card (Mastercard)) 1% of transaction amount
with Platinum credit card (Mastercard) no currency exchange surcharge
Renewal of primary and additional card free of charge
Retrieval of bank cards from other banks from Swedbank ATMs 30 €

Terms of usage of Cards for business

  • Card purchases have an interest free period of up to 40 days. Calculation will start from the time of purchase until the 1st date of the following month. Interest is calculated from the moment you make a credit transfer or withdraw cash from your credit card account.
  • Any credit limit spent and not repaid by the 10th date is automatically transferred from the current account linked to the credit card. Interest starts to accrue if the current account lacks funds for automatic repayment of the whole amount used.
  • Optionally, you can pay additional own funds into the credit card account to increase the limit available on the card, or repay the outstanding limit at any time.
  • In order to obtain complete information about the transactions, one must take account of the statuses assigned to each type of transaction. Details of all transactions already debited are available in the credit card’s account statement, whereas purchases that have the interest-free period are in the list of the same account’s reservations.
  • If you suspect you have lost your card, you can temporarily disable it through our mobile app (Android only). You have 10 days to reopen your card if you should find it or it will be automatically closed.
  • If a bank card is stolen, it must be closed immediately. You could do it by calling our business client consultation center on 6 132 222.
  • If your card is lost or stolen abroad and you are unable to contact us, you can block the card by calling the 24-hour Visa help centre +1 410 581 9994.

In case of a new credit card, the PIN is issued in a separate envelope when you collect it at branch.

Renewed cards will have their former PIN.

If you would like to secure PIN then you can change it in Swedbank ATMs in Estonia.

In security reasons it is allowed to insert PIN wrongly only 2 times. After 3rd time PIN will be automatically blocked:

  • If you block your PIN in POS then you can unblock it in ATM by inserting the correct one in first time.
  • If you block your PIN in ATM or can’t remember the PIN, you need to order the new card.

You can dispute a card transaction sending the bank message, call to consultation center 6 132 222 or turn to nearest branch if:

  • you discover that your account statement includes transactions for which you did not aware of or not reach an agreement with the merchant or service provider;
  • an ATM fails to make a deposit or a withdrawal. For instance, in cases when an ATM does not issue cash upon withdrawal, but the sum is debited from the account or when a deposit is not added to your account.
  • Many expenses related with unwanted travel changes (flight cancellations, delays, travel interruption etc.).
  • Lost or stolen luggage.
  • Injuries while traveling (incl. skiing, swimming pool accidents etc.).
  • Need of legal assistance.
  • Trip cancellation due to illness.
  • And other situations.

The credit card includes free extensive travel insurance package, which applies to the card holder as well as 3 colleagues travelling with him/her across the whole world.

The sums insured apply for all insurance cases, regardless of how many times they occur during the trip.

The travel insurance is provided by Swedbank P&C Insurance AS branch in Estonia.

Worldwide airport experiences delivered directly via Business Gold credit card.

Card holder can now access hundreds of airport lounges around the world, regardless of airline or flight class.

  • Business Gold credit card is access key, with no other cards needed.
  • Manage your visits easily in the LoungeKey™ app.
  • Complimentary amenities at select lounges mean the luxury of escaping the hustle and bustle of the airport terminal.
  • The list of LoungeKey™ lounges available and further information about the program can be found on the LoungeKey™ website and app.

Make the most of the comforts of a LoungeKey™ airport lounge.

When you arrive at the lounge, be sure to mention you have LoungeKey™ membership. You will then need to present Business Gold credit card or LoungeKey™ Digital Card and boarding pass to gain entry. Your card will be swiped or scanned to register a visit.

Download the app, register and manage visits:

  • view airport lounges available to you,
  • access Digital Card and hundreds of discount offers,
  • track your visit entitlement and visit usage,
  • see the lounges you have visited.

The offer of Tallinn Airport is available here.

Lounge visit fees:

  • For Business Gold credit card holders - 28 EUR per visit
  • For persons accompanying Business Gold credit card holders as a guest - 28 EUR per visit

Important!

Fee for visit will be charged from Business Gold credit limit account when entering the lounge.

You can find the terms and conditions on LoungeKey.com or the mobile app.

Regarding the terms of use of LoungeKey™ and Boingo services.

Boingo Wi-Fi for Mastercard® Cardholders: share unforgettable experiences with premium quality free Wi-Fi access at more than 1 million hotspots worldwide, at no added cost to Business Gold credit card cardholder.

  • Stay connected on up to four devices including mobile phones, tablets and laptops.
  • Save time and spare the hassle with the Boingo Wi-Finder mobile app – it helps you locate nearby hotspots and gets you connected in just a few clicks.
  • Access 24/7 customer support via email, phone, chat and social media.
  • Locate accessible hotspots by visiting http://wifi.boingo.com or downloading the Mastercard Boingo Wi-Finder app. Find the map of hotspots on the website or use the Wi-Finder hotspot locator in the mobile app.
  • Register your card only once and after that connections will be automatic.

*Terms and conditions apply. Boingo Wi-Fi for MasterCard® for Cardholders services provided by Boingo Wireless, Inc. See mastercard.boingo.com for full details.

Your company's financial security is one of Swedbank's top priorities. We encourage you to be responsible users of payment cards and to observe the security conditions for payment cards usage.

  • Only the cardholder - the person whose name appears on the card - may use the card. Do not let anyone, even a close person, to use the card issued in another person’s name.
  • Make sure that you as a cardholder always know where your payment card is.
  • If you pay by card, do not let the person serving you take it to a back room on their own because card data may be stolen.
  • Always check the transaction amount that you approve with the card.
  • Check card transactions regularly via Business Internet Banking or the Swedbank mobile app. If any transaction seems suspicious, please contact the bank immediately.
  • It is not recommended to send card number by post or disclose it over the telephone when making a purchase because card data may be misused for fraudulent transactions but, if there are no other options, please be extra careful.
  • Be careful when using the ATMs of other banks. Some ATMs return payment card before dispensing the money. Make sure that you collect your payment card and the requested amount of cash before you leave the ATM.
  • When a cardholder gets a new card, they will also receive a PIN that is known only to them. Renewed cards will keep their former PIN.
  • Do not tell or show the PIN to anyone, not even to bank employees.
  • Memorise it, do not write down the PIN on the card or anywhere else where it can be seen by others.
  • For payment approval, try to enter the PIN so that no one else can see it. The card can be stolen and be used by somebody else. If the card with PIN code is used by a thief, it is the customer’s own responsibility.
  • If you suspect that the PIN has become known to someone else or if the bank has notified you of the need to change your PIN, the cardholder must change it immediately. It can be done at any Swedbank ATM. When selecting new PIN, do not re-use your old PIN.
  • Do not use identical PIN codes for different cards for the ease of memorising them.
  • If a bank card is lost or stolen, it must be closed immediately. This can be done on the Business Internet Banking site, the mobile app or by calling our business client consultation centre on 6 132 222. For security reasons, we advise cardholders to keep Swedbank's phone number in their phone's memory.
  • If your card is lost or stolen abroad and you are unable to contact us, you can block the card by calling the 24-hour MasterCard card foreign helpline +1 636 722 7111 (charged) or VISA card 24h international assistance line on +1 410 581 9994 (charged).

Debit card with credit card features.

A card enabling additional money for your company that can also be used to pay bills.

Contact

In case of an insured event, please contact our claims handling.

Swedbank P&C Insurance AS Liivalaia 12, Tallinn, 15039

888 2111

kahjuabi@swedbank.ee

Report a damage