Fixed payment credit card

• 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

• 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 €50 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.

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.

Log into the Internet bank and see if you have received a personal offer. If there is an offer, you can enter into an agreement without submitting an application.

If not, follow these easy steps:

1. Apply for the credit card in the Internet bank.
2. We will inform you about the decision by phone or via SMS.
3. Read the conditions, accept them and sign the agreement.
4. After signing the agreement you can immediately start using credit card limit.
5. Your card will arrive within 5-7 working days.
6. When you receive your card, log into the Internet bank and activate it there.

Income

• Your income must be at least 490 EUR (for Visa Platinum 670 EUR) per month after tax.
• You must be earning a steady income for at least 6 consecutive months and your probation period must be over.

Obligations

• Monthly expenses for covering your credits must not exceed 40% of your monthly income.
• You do not have outstanding credits in Swedbank or from other creditors or outstanding bills for different services.
• Be ready to submit the official documents evidencing the receipt of the income if the expected source of repayment is not a salary/wages.