Gold revolving credit card

For shopping and travelling with confidence

365-day purchase insurance and event ticket insurance
40-days interest-free period
No commission fees for worldwide cash withdrawals up to 500 EUR per month. When withdrawing cash from another bank's ATM, a service fee may be added, which is determined by the ATM operator.
Travel insurance for you and your family.

New! Experience more with Priceless

Your Swedbank Mastercard gives you exclusive access to Mastercard Priceless – a global platform with special concert, travel and leisure offers.

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Experience more with Priceless

Your Swedbank Mastercard gives you exclusive access to a global platform for offers – Mastercard Priceless.

Special access to concerts, sports and cultural events
Travel deals and local tours
Exclusive dining and shopping opportunities

The deals are available for all Swedbank Mastercard debit and credit card holders.

Check the offers

It only takes 2 minutes to fill in the application.

Access credit limit before card arrives.

Manage your card easily in the mobile app.

Card properties

Credit limit from 1000 EUR
Extensive worldwide travel insurance package for the cardholder and his family.
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.
365-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.
No commission fees for worldwide cash withdrawals up to 500 EUR per month. When withdrawing cash from another bank's ATM, a service fee may be added, which is determined by the ATM operator.
Discounts.
Included event ticket insurance and online store shipping protection.
Access to Mastercard® Priceless Platform.
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.

Manage your credit card in Ibank and Swedbank app: block and unblock, manage limits and make repayments as you go.
New! Check your PIN code and card details in the app. Easily access the card number, expiry date, and Security Code/CVC2 for all your active cards and view your PIN code in case you have forget it.
Now in our mobile app you can see a list of places where your digitized card is linked to. Watch the tutorial (pdf)
You can transfer money, make payments and withdraw cash at the ATM directly from your credit card account.
Pay for purchases by simply touching the card reader with your card. For purchases over 50 €, you need to enter your PIN.
Make your purchases easily with contactless payments - Apple Pay, Garmin 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!

Upon 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.
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. More details in the price list.

When will it come in handy?

Bicycle was stolen.
Child broke their winter parka in kindergarten.
Glasses were broken.
Computer was damaged.
Skis were broken.
And many more.

Purchase insurance applies to goods purchased with credit card at stores and online.Durable goods are items with a lifespan of at least 3 years. The lifespan of a product is determined by the manufacturer.
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 incl. clothing, sports equipment, tech gadgets etc. for 365 days from the day you received the goods.
To claim you need to have purchase document or payment information.

Purchase insurance terms and conditions (pdf)

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.
Tickets insured amount per calendar year - €1000.
Items with limited compensation €400.Computers, computer parts and external devices; mobile phones; glasses, incl. sunglasses; watches; unique items, jewelry (incl. precious stones, precious metals and pearls).
Excess per insured event is €30.

When will it come in handy?

Cost of tickets if you or your family member cannot attend a scheduled event due to illness, death or accident, problems with transportation or other reasons listed in Purchase insurance terms & conditions.
Applies to events in Estonia if ticket is purchased with theusing any of Your Swedbank ´s card or account in Swedbank. Protection applies to events such as concerts, conferences, theater, and sports matches.

Buy tickets using any of Your Swedbank´s card or account in Swedbank. The insurance cover enters into force upon the conclusion of the Credit Card agreement and remains in force for as long as the Credit Card agreement continues in force.
Total insured tickets amount per calendar year is €1000.
There is no deductible, but minimum claim amount (total cost of unused tickets) should be not less than €30.

Insurance is provided by Swedbank P&C Insurance AS.

When will it come in handy?

This protection applies to purchase from online store, if it was delivered damaged or wasn’t delivered at all, and merchant has refused to compensate your loss, resend or replace the product.

How does it work?

Purchase paid with card is protected by a card transaction claim. If your purchase has been delivered broken or hasn’t been delivered at all, submit card transaction claim via internet bank within 90 days since date of purchasing.

For card transaction claim compensation amount is sum of your purchase.

Card transaction claim informationSend us a bank message and select the topic “Card transaction claim”. Choose the correct reason for filing the claim (“Service not provided / merchandise not received” or “Goods / services received are defective / not as described”) and fill out the required fields. Also upload necessary documents for example correspondance with the merchant.

Products that weren’t compensated by a card transaction claim or that were paid using bank transfer are protected by purchase insurance.

Products that weren’t compensated by a card transaction claim or that were paid using bank transfer are protected by purchase insurance. Product needs to have shipping tracking number.

Sums insured

Purchase insurance terms and conditions (pdf)

Insurance is provided by Swedbank P&C Insurance AS.

When can it come in handy?

Many expenses related with unwanted travel changes (flight cancellations, delays, travel interruption etc.).
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 limit for medical assistance per insured person is now 1,000,000 EUR.

Travel insurance will keep you safe from unwanted worries and, most importantly, from unexpected expenses when enjoying your holidays.
The insurance applies free of charge to the cardholder as well as to the spouse/partner, minor children, and minor grandchildren traveling with them.The insurance will cover the adult child or grandchild if they are they are up to 21 years of age (incl.) if they are a full-time pupil or student or have applied for full-time studies.
The insurance cover is valid from the moment when the card agreement is concluded and remains in force until the card agreement is ended. In case of supplementary card, the agreement is concluded once the card has been activated.
If you travel with your family just once a year, the travel insurance with Credit Card will pay off.

	Gold revolving credit card Apply	Platinum credit card Apply
Credit card fees	The monthly fee is €7, including free travel insurance	The monthly fee is €17, including free travel insurance.
Insured persons	Entire family The insurance applies free of charge to the cardholder as well as to the spouse, life partner sharing the same household, and their minor children and grandchildren while they are travelling with cardholder. The insurance will cover the adult child or grandchild if they are up to 21 years of age (incl.) if they are a full-time pupil or student or have applied for full-time studies.	Entire family The insurance applies free of charge to the cardholder as well as to the spouse, life partner sharing the same household, and their minor children and grandchildren while they are travelling with cardholder. The insurance will cover the adult child or grandchild if they are up to 21 years of age (incl.) if they are a full-time pupil or student or have applied for full-time studies.
Insurance cover	Sum insured per insured person (€)	Sum insured per insured person (€)
Medical assistance (cost)	up to 1,000,000 EUR	up to 1,000,000 EUR
Insurance cover	Sum insured per credit card (€)	Sum insured per credit card (€)
Personal belongings (damage, theft)	up to 1,000 EUR	up to 2,500 EUR
Travel route/schedule change	up to 2,000 EUR	up to 5,000 EUR
Flight delay (over 4 hours)	up to 300 EUR	up to 500 EUR
Luggage delay (4 hours)	up to 300 EUR	up to 1,000 EUR
Liability insurance	up to 10,000 EUR	up to 20,000 EUR
Legal assistance	up to 1,000 EUR	up to 10,000 EUR
Bail	up to 3,000 EUR	up to 5,000 EUR
Rental car CASCO		up to 40,000 EUR (excess 250 EUR)
Excess	50 EUR (190 EUR for mobile phones, tablets, laptops) Excess applies to insured events related to property insurance, travel itinerary changes and liability and legal assistance insurance.	No excess.
Coverage	Insurance cover applies automatically. The insurance cover enters into Force since the moment when the card agreement is concluded and remains in force as long as the card agreement continues in force.
Validity	Valid until the end of credit card agreement during trips of up to three months.
Terms	Travel insurance conditions (pdf)	Travel insurance conditions (pdf)

Pricelist and conditions

Main card’s monthly fee is 5,997 EUR and supplementary card’s monthly fee – 3,995 EUR.
Interest rate from 17% per year. It is set for each customer individually and depends on the amount of credit card limit.

Conditions of revolving credit card (pdf)
Purchase protection for Credit Cards (pdf)
Purchase protection for Credit Cards (pdf)
Insurance product information (pdf)
Insurance product information (pdf)
Travel insurance conditions (pdf)
Insurance product information document for credit cards (pdf)

Debit cards

Effective as of 01.11.2024

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 The debit card fee is not applicable to the customers who as of 01.08.2011 were at least 60 years old and had Maestro debit card.
Issuing a card	2.50 €
Monthly fee	1 €
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	10 €
ISIC Mastercard Student card
Issuing a card	6.33 €
Replacement a card	6.33 €
Monthly fee	0.32 €
Renewal a card	6.33 €
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
Ordering an express card You can order an express card by calling 6 310 310 or at our branch. The card can be delivered by courier to your contact address or to the branch. Ordering a new card and replacing an existing card: If the card is ordered before 12 o'clock on a business day, it will arrive on the next business day. If the card is ordered after 12 o'clock on a business day, it will arrive on the following business day.	30 €

Credit cards

Effective as of 01.11.2025

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	2 € (free of charge for people up to 25 years of age)
Monthly fee of an additional card	2 €
Annual interest rate	19-22%
Penalty	ECB interest rate + 8% a year (currently 0.031% a day, 11.15% a year) ECB interest rate + 8% a year (currently 0.028% a day, 10.15% 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 Fixed payment credit cards are not issued from 21.04.2022.
Annual interest rate	19-22%
Penalty	ECB interest rate + 8% a year (currently 0.031% a day, 11.15% a year) ECB interest rate + 8% a year (currently 0.028% a day, 10.15% 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	7 €
Monthly fee of an additional card	5 €
Annual interest rate	17-20%
Penalty	ECB interest rate + 8% a year (currently 0.031% a day, 11.15% a year) ECB interest rate + 8% a year (currently 0.028% a day, 10.15% 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 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	17 €
Monthly fee of an additional card	15 €
Platinum extra package	160.20 € a year 160 € 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.
Annual interest rate	14-17%
Penalty	ECB interest rate + 8% a year (currently 0.031% a day, 11.15% a year) ECB interest rate + 8% a year (currently 0.028% a day, 10.15% 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.
Credit card opening fee	free of charge
Replacement of a credit card	7 €
Renewal of credit card (incl. additional cards)	free of charge
Ordering an express card You can order an express card by calling 6 310 310 or at our branch. The card can be delivered by courier to your contact address or to the branch. Ordering a new card and replacing an existing card: If the card is ordered before 12 o'clock on a business day, it will arrive on the next business day. If the card is ordered after 12 o'clock on a business day, it will arrive on the following business day. A prerequisite for ordering a new credit card as an express card is the presence of a positive credit decision.	30 €

Card transactions

Effective as of 01.11.2025

Depositing euros using a bank card in Swedbank terminal in Estonia You can deposit up to 5000 € per month in ATMs with your bank card and the limit is client-specific. This means that the limit applies across all the client’s accounts and cards.
Up to 5000 € per calendar month	free of charge
Cash withdrawal with debit cards issued by Swedbank from Swedbank Group ATMs in (including in Estonia, Latvia, Lithuania, Sweden) You can withdraw up to 7500 € per month from ATMs with your bank card and the limit is client-specific. This means that the limit applies across all the client’s accounts and cards. The fee will be charged on the amount withdrawn in excess of 2000 € in a calendar month.
Up to 2000 € per calendar month	free of charge
Over 2000 € per calendar month	0.5% of the amount exceeding 2000 €
Cash withdrawal with a debit card from other bank’s terminals in Estonia and abroad You can withdraw up to 7500 € per month from ATMs with your bank card and the limit is client-specific. This means that the limit applies across all the client’s accounts and cards. 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
Cash withdrawal with credit cards (except for the revolving Gold credit card and Platinum credit card You can withdraw up to 7500 € per month from ATMs with your bank card and the limit is client-specific. This means that the limit applies across all the client’s accounts and cards. The service fee according to the operator’s price list may be added for the use of another operator’s ATM. 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.	2 € + 2.5% of the amount
Cash withdrawal with revolving Gold credit card You can withdraw up to 7500 € per month from ATMs with your bank card and the limit is client-specific. This means that the limit applies across all the client’s accounts and cards. The service fee according to the operator’s price list may be added for the use of another operator’s ATM. 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 500 € per calendar month	free of charge
Over 500 € per calendar month	2.5% of the amount exceeding 500 €
Cash withdrawal with Platinum credit card You can withdraw up to 7500 € per month from ATMs with your bank card and the limit is client-specific. This means that the limit applies across all the client’s accounts and cards. The service fee according to the operator’s price list may be added for the use of another operator’s ATM. 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 €
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
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.
With all cards (except Platinum credit card)	1% of transaction amount
With Platinum credit card	no currency exchange surcharge
Sending a card from one branch to another	2.50 €
Penalty for using a closed card	65 €
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 cards.	0.32 € per query
Transfer from credit card limit account	according to regular bank transfers pricelist
Retrieval of bank cards from other banks from Swedbank ATMs	30 €

How to Apply

Apply for the credit card in the Internet bank.
We will inform you about the decision by phone or via SMS.
Read the conditions, accept them and sign the agreement.
After signing the agreement you can immediately start using credit card limit.
Your card will arrive within 7-10 working days. When ordering abroad, it will arrive within 1-2 weeks.
When you receive your card, log into the Internet bank and activate it there. You can activate the card between 7 and 22 o'clock.

Income

Your income must be at least 600 EUR (for 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.

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FAQ

An interest-free period means that you do not have to pay interest on purchases if you make them within a certain period and repay the amount drawn by the end of the interest-free period.

For example, no interest will be calculated if you repay the amount of the Gold credit card’s credit limit you have used during the last month by the 10th day of each month.

Please notice!

Upon 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.

Credit and debit cards are payment cards that can be used to pay for goods or services. When paying by credit card, you can use both your own money and borrowed money. On the other hand, you can only use your personal funds when paying with a debit card. A credit card can offer extra benefits, such as purchase and travel insurance.

If you pay with a credit card and spend your own personal money, you don't have to pay interest for it. If you use the credit limit on your credit card account, you will have to pay interest on the amount drawn.

You can check your card’s PIN code in the Swedbank app. To view your card’s PIN code in the app, log in and tap on the "Cards" section in the bottom menu. Choose your card and click "Card PIN". After tapping, confirm it with your chosen authentication method. The card’s PIN code is shown for 30 seconds. Do not show your PIN code to other people. You can change your PIN-code at Swedbank ATMs.

The Gold credit card has included travel insurance that protects the whole family from unexpected worries and expenses.

It applies to the cardholder as well as to the spouse/partner, minor children, and minor grandchildren traveling with them. The adult child or grandchild is covered if they are up to 21 years old (incl.) full-time student and are not married.

The insurance is valid if you have an active credit card agreement at the time of travel, even if you bought the trip with another card and before the credit card was taken out.

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

For trips taking place starting from 6 May 2021 we're offering a Travel Insurance Covid-19 cover without an additional fee. The Covid-19 insurance 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. In this case the supplementary insurance is valid for 30 days.
Confirmation that you have been infected with Covid-19 within the last 6 months and you are recovered.
Full vaccination certificate.

Preconditions apply to children starting from age of 12.

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

For example, we will compensate Covid-19 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 even in case of pandemic/epidemic.

Carefully consider the need to go abroad.

Terms and Conditions

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 lose your job.

New!

Investing is now completely effortless. Every time you pay by card, a small amount will be invested to Your chosen Robur fund.

Card related questions and card claims

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Insurance related questions and claims

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Insurance is provided by Swedbank P&C insurance AS.

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Gold revolving credit card

For shopping and travelling with confidence

Experience more with Priceless

Card properties

When will it come in handy?

When will it come in handy?

When will it come in handy?

How does it work?

When can it come in handy?

Gold revolving credit card

Platinum credit card