Gold revolving credit card

New design!

Nearby or far away. Travel with the credit card.

Wide travel insurance for you and your family members.
180-day purchase insurance for most items purchased with credit card in shops and online.
Extra money with up to 40-days interest-free period.

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.
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, 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!

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.

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:

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 5-7 working days.
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.

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Gold revolving credit card

Nearby or far away. Travel with the credit card.

Income

Obligations

Debit cards

Credit cards

Card transactions