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Business Gold Credit Card

Business Gold Credit CardBusiness Gold Credit Card
Special offer!

Extra credit and secure travel for your company

Special offer! No issuing fee and monthly fee for 3 months if you order a credit card by 22.03.

  • Pay for goods and services, make transfers directly from a credit card account.
  • Mobile contactless payments via Apple Pay, Google Pay, Android app or smartwatches.
  • Access to premium services in airports, regardless of airline or flight class.
  • Free extensive travel insurance package.
  • View card’s details and PIN code in the app.
   Comparison of bank cards
Please note that from 23rd of March, the Boingo Wi-Fi service will be replaced by the Mastercard® Global Data Roaming by Flexiroam.
  • 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.
  • 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.
  • Cash depositing to credit card account available at „Swedbank” ATM’s.
  • 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 Mastercard® cardholders*
  • Unique Mastercard World Elite offers.
  • New! Any cardholder who has access via a company’s Internet Bank to card related account, can check their own card’s PIN code, card number, expiry date and Security Code/CVC2 in the Swedbank app.
  • Pay for your purchases easily with contactless payments! Add Business Gold credit card to Apple Pay, Google Pay™, Garmin Pay or Fitbit Pay solution, or use Swedbank app to tap your Android phone.
  • In our mobile app you can see a list of places where your digitized card is linked to. Watch the tutorial.
  • 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.
  • 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 or ID-card.
  • 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.
  • In case of a positive financing decision card will be delivered within 7 business days:

    • By post to the company’s contact address anywhere in the world (delivery to abroad can be longer).
      For security reasons, cards are sent by post inactive.
    • At any Swedbank branch of your choice.
  • The agreement must be signed by legal representative. If agreement is signed, then:

    • The card must be activated via Internet Bank by user who has at least info and payment profile user rights;
    • in branch card will be issued to legal representative or to card holder.
  • Card will be automatically renewed if company and card holder meet the conditions set by bank.
    You can change the delivery method and contact address for a card via the Internet Bank not later than 35 days before the expiry date of existing card.
  • Renewed credit card will be delivered at least two weeks before the expiry of the old card to your company's contact address or a suitable branch.
  • Renewed cards will have their former PIN.

Order the card to your company's contact address

  • Sending the card by post is free of charge anywhere in the world.
  • Make sure that your company's contact address is correct before ordering the card.
  • Your company's contact address changes automatically if you change the card delivery address.


Effective as of 01.11.2023 Effective as of 01.01.2024
Business Credit Card
issue fee 5 €
monthly fee 3 €
annual interest rate When paying by card there is an interest-free period of up to 30 days from the purchase until the payment date (the 1st calendar day of the following month).Upon withdrawing cash and making a payment 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. 18%
penalty 0.2% a day
Business Gold Credit Card
issue fee 10 €
monthly fee 10 €
annual interest rate When paying by card there is an interest-free period of up to 40 days from the purchase until the payment date (the 10th calendar day of the following month).Upon withdrawing cash and making a payment 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. 14%
penalty 0.2% a day

Transactions with credit cards

Depositing euros using a credit card in Swedbank terminal in Estonia A limit of 15 000 € per month on cash deposited in ATMs will be applied to credit cards. The fee is charged on the amount that exceeds 5 000 € per calendar month and the cash is deposited in home bank’s terminal. The service fee is client-based and calculated based on a calendar month. up to 5000 € per calendar month free of charge;
0,3% of the amount exceeding 5000 € per month
Cash withdrawal The service fee according to the operator’s price list may be added for the use of another operator’s ATM. 2 € + 2,5% of the amount
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
increasing of the credit limit at branch 10 €
amendment of the agreement 10 € (excl. changing of usage limits)
amendment of the agreement in Internet Bank free of charge
Debt notice 3 €
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 In case disputing card transaction made abroad, additional costs of the card organizations may apply. 16 € (in case disputing card transaction made abroad, additional costs of the card organizations may apply)
Sending a card from one branch to another VAT will be added to the price. 2,08 € 2,05 €
Sending a card by mail 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. 1% of transaction amount
Retrieval of bank cards from other banks from Swedbank ATMs 30 €

documentTerms of usage of Cards for business

documentBusiness Credit Card agreement terms and conditions  (valid as of Nov 1, 2023)

If you receive card via post:

  • If the agreement is already signed, the card can be activated in the Internet Bank by user who has at least “info and payment” user rights.
  • If the agreement was not signed, it can only be activated with together with agreement signing.
  • A card agreement could be signed by the company’s legal representative who has the sole right of representation according to the commercial register with Smart- ID, Mobile-ID or ID-card.

At branch:

  • The card is activated by a branch employee before handing it over.
  • If card agreement is already signed, then the card could picked up by legal representative or card holder. If not – then card will be issued only to legal representative.
Activate card
  • 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. 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 Mastercard card foreign helpline +1 636 722 7111 (charged).

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.
Please be aware that in case of medical assistance and trip interruption we consider the COVID-19 disease equally to other diseases which are not excluded in terms and conditions of travel Insurance.
  • Many expenses related with unwanted travel changes (flight cancellations, delays, travel interruption etc.).
  • NEW! Medical assistance expenses limit 750,000 EUR.
  • Stolen or damaged baggage.
  • 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 documentsums 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.

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.

Lounge visit fees:

  • For Business Gold credit card holders - 30 EUR per visit
  • For persons accompanying Business Gold credit card holders as a guest - 30 EUR per visit
  • Fee for visit will be charged from Business Gold credit limit account when entering the lounge.

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

Arriving at the lounge, be sure to mention you have LoungeKey™ membership and Internet shopping enabled for your card.

To use the benefits of the LoungeKey self service, please follow these steps before you download the app:

  • make sure that internet shopping is enabled for your card;
  • create your profile after activating the new card;
  • download the LoungeKey™ app, log in with your profile and enjoy the benefits like:
    • view the available airport lounges, see and track your visits;
    • access your Digital Card and hundreds of discount-offers;
    • see what services the lounges offer.

When you have added your card to the lounge key app, 0,85 EUR will be temporally booked up to 10 days to verify your card.

The offer of Tallinn Airport is available here.

Mastercard® Global Data Roaming by Flexiroam for Business Gold Credit card users provides instant and secure internet access worldwide for free.

  • The service is available from March 23, 2024.
  • Fast and secure top-quality internet connection in more than 160 countries, with access to more than 700 telecommunications providers.
  • You can use the free roaming service in a total of 5 GB in one calendar year. You can use the 1 GB roaming service package for three consecutive days. In total, you can use the 1 GB package five times during the year.*
  • Free annual 5GB roaming plan, it can be used within 5 times, each time for 3 days.*
  • After using up the free 5 GB, you get a 15% discount on all subsequent data roaming plans if you activate them directly through Flexiroam.

* The remaining amount of data and the number of uses can be seen in the app.

  • The service will be available for registration starting from 23 March.
  • The instructions to register an account can be found from here once the service has become available.

Read more about the terms and conditions on

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.
  • To use the service, please register and create your customer profile at, download the MasterCard Boingo Wi-Finder app and log in.
  • Locate accessible hotspots by visiting 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 for full details.

Service will be closed on 23.03.2024.


Join Avis President’s Club for an even greater level of service, discounts and benefits


Join Hertz Gold Plus Rewards with complimentary President’s Circle® status and up to 10% off on all bookings


Receive a 15% discount when signing up to easyJet Plus

Receive up to 6% cashback on hotel bookings.


World Elite cardholders can now enjoy complimentary Avis President’s Club membership, which includes benefits such as:

  • Priority service and priority reservations
  • Guaranteed single upgrade at airports & rail stations, single upgrades and double upgrades at weekends (subject to availability)
  • Coupon for free weekend rental after three rentals
  • Free additional driver and guaranteed car when reserved within 48 hours of pick-up
  • Up to 35% discount for AVIS car rentals

Business Gold credit card holders can access Avis President’s Club benefits in 3 easy steps.

  1. Register on the website using your email address, and enter the promotional code Mastercard World Elite.

    Each cardholder can only register once. The cardholder then completes the registration form on the following pages.

    During the enrolment process, cardholders are asked to register their Mastercard Business Gold credit card and driving license number to complete the registration.

  2. Membership confirmation is sent to cardholders from Avis Preferred with their unique membership number. The details will be delivered after the first car rental.
  3. To rent a car, enter membership number and book here.

Offer validity period:
Ongoing until further notice

In collaboration with:

*Please note this cannot be used in conjunction with any other promotion.
Full terms and conditions can be found here.


Join the Hertz Gold Plus Rewards programme and enjoy the following benefits:

  • Enjoy a 10% discount on worldwide rentals
  • Access a guaranteed one car class upgrade
  • Skip the counter – no waiting, no stopping, no lines
  • Expedited reservations, pick-ups and returns

Enjoy also benefits specific to President’s Circle members:

  • Get expedited Gold service at thousands of locations worldwide
  • Earn Gold Plus Rewards points for free car rental days and upgrades worldwide
  • Earn Gold Plus Rewards bonus points, and get a 25% discount on child seats

To redeem the offer, in all cases a valid Mastercard Business Gold credit card must be registered as the form of payment in your Gold Plus Reward membership profile.

Offer valid until 30 June 2024.

In collaboration with:

Terms and conditions for rental can be found here.


Discover an easier way to travel with easyJet Plus. For an annual fee you can benefit from a range of exclusive benefits.

Join now, and on every easyJet flight you book you will enjoy:

  • Immediate allocated seating - choose any seat on any flight at no charge
  • Dedicated bag drop desk - beat the queue on arrival at the airport
  • Fast-track security - at selected airports
  • Additional cabin bag - board with a second cabin bag (laptop/handbag)
  • Faster boarding - be the first to board and secure locker space

Signing up for easyJet Plus at, enter code EJMC001 and receive a 15% discount on your first annual premium. Find out more about easyJet Plus here.

Offer valid until 31 December 2023.

In collaboration with:

Full details and terms and conditions are available here. seamlessly connects millions of travellers with memorable experiences, a range of transport options and incredible places to stay – from homes to hotels and much more. is available in 43 languages and offers more than 28 million total reported accommodation listings, including over 6.2 million listings alone of homes, apartments and other unique places to stay.

A special offer for Mastercard World Elite cardholders:

  • Up to 6% cashback on each reservation

Mastercard cardholders can receive up to 6% cashback on each reservation, paid as a 'credit' to their booking wallet, viewable to registered users, once a valid booking has been made. Wallet credit can either be redeemed towards a future booking or transferred out to a valid Mastercard credit card.

Offer steps:

  1. Visit the website through the provided link
  2. Log in or register with
  3. Search for destination and preferred accommodations
  4. Use an eligible Mastercard Business Gold credit card to complete the booking

Offer valid until 31 July 2023.

In collaboration with:

Bookings made with the app are not eligible for this promotion.
Cancelled and “no show” bookings are not eligible.
The reward will be credited at least 64 calendar days after completion of stay in the accommodation.
Full terms and conditions of sale can be found here.

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.
  • In case of a new card, the PIN is issued in a separate envelope. Renewed card will keep its 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.
  • NEW! Check your card’s PIN code in the Swedbank app. Its secure, easy and will help, if you forget your original PIN or cannot remember it after changing.
  • 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, you 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.
  • 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 you need to order the new card.
  • 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).

Debit card with credit card features.

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


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

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

888 2111

Report a damage

Take care of your safety with Travel insurance which now includes COVID-19 cover.

For business trips taking place from 6 May 2021 we're offering a Travel Insurance COVID-19 cover for Business Gold Credit Card holders at no additional fee. It provides increased risk protection and protection against unexpected expenses for cardholders and 3 colleagues travelling together. The cover is automatically valid while aboard if any of the preconditions apply:

  • negative COVID-19 test result within 72 hours prior to the start of the trip;
  • confirmation that you have been infected with COVID-19 within the last 6 months and you are recovered;
  • full vaccination certificate.

Preconditions are not needed if trip is cancelled due to COVID-19 sickness or self-isolation before the trip.

For example, we will compensate coronavirus related medical expenses abroad, travel disruption costs if you are not allowed to enter to public transport due to COVID-19 symptoms and travel cancellation costs if you have received a positive coronavirus test or you are a close contact person. Travel disruption caused by authorities (e.g. closed borders, lockdowns) is not covered.

Carefully consider the need to go abroad.

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Internet Exploreri kaudu ei saa teha ega kinnitada Swedbanki makseid ka teistel veebilehtedel.

Soovitame kasutada Internet Exploreri asemel Google Chrome’i, Mozilla Firefoxi või Microsoft Edge’i uusimat versiooni. Nende seadistamise juhendid leiad siit.

С 23.03.2021 Интернет-банк Swedbank недоступен в браузере Internet Explorer.

С помощью Internet Explorer невозможно авторизоваться или осуществлять платежи через Swedbank на сторонних веб-страницах.

Вместо браузера Internet Explorer мы рекомендуем использовать браузеры Google Chrome, Mozilla Firefox или Microsoft Edge. Инструкции по установке упомянутых браузеров можно найти здесь.

From 23.03.2021 Swedbank Internet Bank and Banklink is no longer available using Internet Explorer browser.

It is not possible to authorize or make payments from Swedbank on other web pages using Internet Explorer.

Instead, we suggest using Google Chrome, Mozilla Firefox or the newest version of Microsoft Edge. To find out how to install the suggested browsers, please click here.

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