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Business Gold Credit Card

Card with extra credit and secure travel for your company

Good value! Apply new business credit card by 31.12.2020 under special conditions – no issuing fee and 3 months without monthly fee.

  • 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 01.10.2020
Business Credit Card
issue fee 5 €
monthly fee 3 €
annual interest rate 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. 18%
penalty 0.2% a day
Business Gold Credit Card
issue fee 10 €
monthly fee 10 €
annual interest rate 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. 14%
penalty 0.2% a day
the LoungeKey salon visit fee 28 € per visitor
the Priority Pass salon visit fee 28 € per visitor

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;
0,25% of the amount exceeding 5000 € per month
Cash withdrawal 1,92 € + 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 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 at the rate of 20% will be added to the price. 2,08 €
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 €
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 €

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.

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.

Avis

Gold Business credit cardholders can now enjoy complimentary Avis Preferred membership, which includes a car upgrade with every reservation (subject to availability) and up to 20% discount on all car rentals.

Hertz

Join the prestigious Hertz Gold Plus Rewards programme with your Gold Business credit card and enjoy the following benefits:

Hotels.com

Hotels.com is a leading provider of hotel accommodation worldwide, offering booking services through its own network of localised websites and telephone call centres. Use this discount whether you’re planning a romantic weekend, time alone to unwind or a cultural experience with your family.

Avis

Gold Business credit cardholders can now enjoy complimentary Avis Preferred membership, which includes a car upgrade with every reservation (subject to availability) and up to 20% discount on all car rentals.

Gold Business credit card holders can access Avis Preferred membership benefits in 3 easy steps.

  1. Register on the website www.avispreferred.eu using your email address, and enter the promotional code MC Gold*.

    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 Gold Business 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.

Hertz

Join the prestigious Hertz Gold Plus Rewards programme with your Gold Business credit card and enjoy the following benefits:

  • Up to 10% discount on every car booked
  • Free one car class upgrade at participating locations (subject to availability)
  • Earn 500 Gold Plus Rewards bonus points upon enrolment
  • Free additional driver (spouse or domestic partner)
  • Bypass the queues and the counters at more than 50 of the world’s busiest airports
  • Expedited reservations, pick-ups and returns
  • Expedited Gold service at over 1,000 locations worldwide
  • Earn Gold Plus Rewards® Points for free car rental days around the world
  • 25% discount on child seats

Gold Business credit card holders can access Hertz Gold Plus Rewards benefits in 4 easy steps.

  1. Register at Hertz Gold Plus Rewards here. Each cardholder may only register once.
  2. After registering, cardholders receive e-mail confirmation with their unique membership number and can print their membership card
  3. Make reservations here and enter membership number and print upgrade voucher
  4. On collection of vehicle, present membership number and Hertz Gold Plus Rewards Membership card at Hertz Desk

Offer validity period:
Valid until 31 December 2020

In collaboration with:

Terms and conditions for rental can be found here.

Hotels.com

Hotels.com is a leading provider of hotel accommodation worldwide, offering booking services through its own network of localised websites and telephone call centres. Use this discount whether you’re planning a romantic weekend, time alone to unwind or a cultural experience with your family.

A special offer for Mastercard World Elite Cardholders:

  • 8%* off bookings at independent & local chain hotels

When booking hotel, use code MASTERCARD8 and pay with Mastercard Gold Business credit card to enrol for the discount.

Offer validity period:
Book by 31 March 2021 for completed stays up to 30 September 2021

In collaboration with:

*List of excluded hotel brands see here.
Full terms and conditions can be found here.

Back

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

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Swedbank