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Fixed payment credit card

Useful if you'll need money for bigger purchases or unforeseen expenses

Works likehire purchase: repayment used limit with fixed monthly payments.
180 days purchase insurance applies for most goods purchased with credit card or by payment from credit card account.

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Card benefits

Credit limit from 300 EUR
180-day purchases insurance is valid for most items purchased with credit card payment or by transfer from a credit card account.
Repayment with fixed monthly payments.
Discounts and reward points.
You can also take out extra cards for your family members. Each additional cardholder enjoys the same privileges as you.

Terms and conditions of the agreement on the usage of the fixed payment credit card

Other features

Manage your credit card in Ibank and Swedbank app: block and unblock, manage limits and make repayments as you go.
You can start using the credit limit right after signing credit card agreement - even before card arrives.
You can transfer money, make payments and withdraw cash at the ATM directly from your credit card account.
Contactless payments - you'll be able to pay up to €25 only by tapping the card to the terminal. No PIN, no hassle, just quick and safe shopping.
Make your purchases easily with contactless payments - Apple Pay, Garmin Pay, Fitbit Pay and mobile contactless payments for Android smartphone users.
Activate internet shopping option.

Repayment

When to pay back your used credit limit?

It works just like instalments: repayments for the used credit limit will be debited automatically in equal instalments each month from the account specified by you.
Interest starts to be calculated if you use the credit limit.
You can always repay used limit sooner in addition to monthly payments.

Effective as of 09.03.2020

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 €
Visa Platinum credit card When paying for goods or services with the Visa Platinum Credit Card, 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 Visa Platinum extra package and expiry of 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

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	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 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	1% of transaction amount
Renewal of primary and additional card	free of charge
Retrieval of bank cards from other banks from Swedbank ATMs	30 €

Best choice for your purchases and occasional travels abroad.

Gives you travel insurance for the whole family and protects most of your purchases.

Swedbank's best travel insurance, unlimited access to Priority Pass airport lounges and rental car insurance.

Insure your credit card repayments and get financial safety in case you unexpectedly fall ill or loose your job.

Card related questions and card claims

Insurance related questions and claims

888 1513
Insurance is provided by Swedbank P&C insurance AS.

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Fixed payment credit card

Useful if you'll need money for bigger purchases or unforeseen expenses

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Obligations

General service and transaction fees

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Fixed payment credit card

Useful if you'll need money for bigger purchases or unforeseen expenses

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Insurance related questions and claims

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