Gold revolving credit card

Special offer

Credit card - for shopping with confidence

Special offer: No monthly fee until 31.12.2020 for Gold and Standard credit cards ordered during the period of 19.08 until 30.09.2020.*

  • 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.
  • Wide travel insurance for you and your family members.
    Apply

    *As from 1 January 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.
    • 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 and reward points.
    • 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 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.
    • 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.

     

    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 €
    • 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

    Visa Platinum credit card
    Credit card fees The monthly fee is €4.96 (€59.52 per year), including free travel insurance The monthly fee is €12.90 (€154.8 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 instalments: useful for bigger purchases or unforeseen expenses.

    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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