Navigate to main page content
PrivateBusiness

Gold revolving credit card

Credit cards – for safe holiday shopping online

Special offer! No monthly fee until 31.05.2021 for Gold and Standard credit cards applied for during the period of 09.11.2020 until 06.12.2020.*

  • Shop safer thanks to the card’s purchase insurance.
  • Up to 40-days interest-free period and credit limit are always available for you.
  • Take advantage of our partner discounts.

* As from 01.06.2021, the standard monthly fee specified in the price list will apply for the cards. If you have had the same type of credit card previously, the special offer applies to you only if at least 3 months have passed since you’ve cancelled your card.

    Apply
    It only takes 2 minutes to fill in the application. Access credit limit before card arrives. Manage your card easily in the mobile app.
    • Credit limit from 600 EUR
    • Extensive worldwide travel insurance package for the cardholder and his family.
    • 180-day purchases insurance is valid for most items purchased with credit card payment or by transfer from a credit card account.
    • Up to 40-days interest-free period for used credit card limit.
    • Discounts.
    • Book and pay for hotels and use car rental services.
    • 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 use of Gold revolving credit card

    • Manage your credit card in Ibank and Swedbank app: block and unblock, manage limits and make repayments as you go.
    • 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.
    • Choose to receive your card by post for free.
    • Activate internet shopping option.

    When to pay back your used credit limit?

    • No interest will be calculated if you repay the amount of the credit limit you have used during the last month by the 10th day of each month.
    • Please notice! The interest-free period does not apply to cash withdrawals and transfers from limit account.

    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.

    Debit cards

    Effective as of 01.10.2020
    Issuing the first debit card associated with a client Except ISIC MasterCard Student card. free of charge
    Issuing subsequent debit cards Except ISIC MasterCard Student card. according to price list
    Debit card Plus
    Issuing a card 2,50 €
    Monthly fee 1,28 €
    monthly fee for up to 19-year old client (incl.) free of charge
    monthly fee for 20–25-year old client (incl.) 0,32 €
    monthly fee for 65-and older clients (incl.) 0,32 €
    A temporary ATM card (valid for 1 month)
    Issuing a card 2,50 €
    ISIC Mastercard Student card
    Issuing a card 6,33 €
    Replacement a card 6,33 €
    Monthly fee 0,32 €
    Renewal a card 6,33 €
    Youth card Youth card in not issued from 2nd of April 2019.
    Monthly fee for up to 19-year old client (incl.) free of charge
    Monthly fee for 20–25-year old client (incl.) 0,32 €
    Senior card Senior card in not issued from 2nd of April 2019.
    Monthly fee 0,32 €
    Mastercard Private Banking Card
    Issuing a card 2,50 €
    Monthly fee 1,98 €
    Renewal of debit cards free of charge
    Penalty 0,2% a day

    Credit cards

    Effective as of 01.10.2020
    Revolving credit card (Mastercard/Visa) Revolving credit cards from Visa are not issued from January 22nd, 2020.
    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 (Mastercard)
    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 (Mastercard) 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, 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 credit 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, 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 credit 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 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
    Credit card opening fee
    Opening the card in a branch 2,50 €
    Opening the card in digital channels 1,50 €
    Replacement of a credit card 7 €
    Renewal of credit card (incl. additional cards) free of charge

    Card transactions

    Effective as of 01.10.2020
    Depositing euros using a debit card in Swedbank terminal in Estonia A limit of 7500 euros per month on cash deposited in ATMs will be applied to debit cards. The fee is charged on the amount that exceeds 5000 € 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
    Over 5000 € per calendar month 0,25% of the amount exceeding 5000 € per month
    Cash withdrawal with debit cards issued by Swedbank from Swedbank Group ATMs in Estonia, Latvia, Lithuania, Sweden ATM in Sweden is Bankomat.
    Up to 2000 € per calendar month free of charge
    Over 2000 € per calendar month 0,3% of the amount exceeding 2000 €
    Cash withdrawal from other bank’s terminals in Estonia and abroad 1 € + 2,5% of the amount
    Cash withdrawal with credit cards (without Platinum credit card (Mastercard)) Upon 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. 1,92 € + 2,5% of the amount
    Cash withdrawal with Platinum credit card (Mastercard) Upon 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.
    Up to 1000 € per calendar month free of charge
    Over 1000 € per calendar month 2,5% of the amount exceeding 1000 € per month
    Credit card statement from a branch
    Previous month statement free of charge
    Earlier statements 4 € per month
    Amendment of a credit card agreement
    In a branch 10 € (excluding changing the user limits)
    In digital channels free of charge
    Increase of credit card’s credit limit 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.
    In a branch 10 €
    In digital channels 3,20 €
    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
    Sending a card by mail
    Inside Estonia free of charge
    From one branch to another 2,50 €
    Penalty for using a closed card 65 €
    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 €
    Copy of a receipt (inquiry)
    a transaction in Estonia 4 €
    a transaction abroad 8 €
    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 €
    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
    Transfer from credit card limit account according to regular bank transfers pricelist
    Making payments in ATMs and payment terminals using debit cards
    Intra-bank payment 0,16 € (free of charge for people over 65 years of age (incl.)) This also applies to clients who were at least 60 years old on 1 September 2015 and held a current account.
    Domestic payment 0,38 €
    Retrieval of bank cards from other banks from Swedbank ATMs 30 €
    • Bicycle was stolen.
    • Child broke his winter parka in kindergarten.
    • Glasses were broken.
    • Computer was damaged.
    • Skis were broken.
    • Surfing equipment was damaged.
    • And many more.

    Purchase insurance terms and conditions

    • Purchase insurance applies to goods purchased with credit card at stores and online.
    • It compensates expenses on repair or replacement of durable goods* in case of theft, damage or destruction even if it was done unintentionally by the card holder himself.
    • It applies to most purchases inlc. clothing, sports equipment, tech gadgets etc. for 180 days from the day of the purchase.
    • To claim you need to have purchase document or payment information.

    *Durable goods are items with a lifespan of at least 3 years. The lifespan of a product is determined by the manufacturer.

    Sums insured are determined for each insured item, insured event and calendar year.

    • One item € 1,000.
    • One insured event € 2,000.
    • One year € 4,000.
    • Items with limited compensation* €400.
    • Excess per insured event is €30.

    *Computers, computer parts and external devices; mobile phones; glasses, incl. sunglasses; watches; unique items, jewelry (incl. precious stones, precious metals and pearls); items made of fur.

    • 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.
    • Travel insurance will keep you safe from unwanted worries and, most importantly, from unexpected expenses when enjoying your holidays.
    • Travel insurance applies for the cardholder and together travelling his / her family at no extra charge.
    • If you travel with your family just once a year, the travel insurance with Credit Card will pay off.

    Important information regard to the virus COVID-19

    • Sickness and travel disruption because of COVID-19 as well as travel restriction due to acts of authorities are not covered by travel Insurance.
    • Pandemic is not over and restrictions in countries can be reset unexpectedly.

    Gold revolving credit card

    Platinum credit card
    Credit card fees The monthly fee is €4.96 (€59.52 per year), including free travel insurance The monthly fee is €14.90 (€178.8 per year), including free travel insurance.
    Insured persons Entire family Entire family
    Insurance cover Sum insured per insured person (€) Sum insured per insured person (€)
    Medical assistance (cost) 500,000 EUR 500,000 EUR
    Insurance cover Sum insured per credit card (€) Sum insured per credit card (€)
    Personal belongings (damage, theft) 1,000 EUR 2,500 EUR
    Travel route/schedule change 2,000 EUR 5,000 EUR
    Flight ticket change 150 EUR 150 EUR
    Flight delay (over 4 hours) 150 EUR 500 EUR
    Flight delay (over 24 hours) 300 EUR 500 EUR
    Luggage delay (4 hours) 300 EUR 1,000 EUR
    Liability insurance 10,000 EUR 20,000 EUR
    Legal assistance 1,000 EUR 10,000 EUR
    Bail 3,000 EUR 5,000 EUR
    Rental car CASCO 40,000 EUR (excess 250 EUR)
    Excess 30 EUR* No excess.
    Coverage Insurance cover applies automatically**.
    Validity Valid until the end of credit card agreement during trips of up to three months.
    Terms Travel insurance conditions Travel insurance conditions

    *Excess applies to insured events related to property insurance, travel itinerary changes and liability and legal assistance insurance.
    **The insurance cover enters into Forde since the moment when the card agreement is concluded and remains in force as long as the card agreement continues in force.

    Works like hire purchase - useful for bigger purchases.

    Best choice for your purchases and occasional travels abroad.

    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.

    Report damage
    popup-duplicate-agreement-message

    You have logged out of the Internet bank!

    If you have any questions or suggestions, send a bank messages. We value your opinion!

    To exit securely, please close all the browser windows!

    Kind regards,
    Swedbank