Platinum Credit Card

New card - more possibilities to explore

The credit card with comprehensive travel and purchase insurance for business or leisure trips abroad.

  • Contactless payments with Apple Pay, Swedbank app, and Garmin and Fitbit smart watches
  • No commission fee for cash withdrawal up to 1000 EUR
  • No mark-up for transactions in foreign currency
  • Access to airport lounges with LoungeKey™
  • Access to over 1 million free internet access Boingo Wi-Fi for MasterCard® cardholders
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  • Credit limit from 2000 EUR
  • Swedbank's best travel insurance for the whole family: medical costs, CASCO for rental car, trip cancellation, and even your personal belongings will be covered.
  • Access to more than 1000 airports lounges with LoungeKey™.
  • 180-day purchases insurance
  • Up to 40 days interest-free period for used credit card limit.
  • No commission fees for cash withdrawals up to 1000 EUR per month
  • No mark-up fee for transactions in foreign currency
  • Access to over 1 million Wi-Fi hotspots worldwide with Boingo Wi-Fi*
  • For extra package holders the Estravel Platinum Club member status ensuring first-class travel service and special offers. Information about the Estravel Platinum Club membership will be sent to you via the Internet Bank within a few days.
  • You can also take out extra cards for your family members with your Platinum credit card. Each additional cardholder enjoys the same privileges as you.
  • Free parking in the car park of Swedbank’s main office. The car park on the courtyard side of the building at Liivalaia 8 in Tallinn, access to which is via a barrier, can be used when meeting with a Personal Adviser or visiting the branch. Use of the car park for other reasons is not permitted. In order to open the barrier, slot your bank card into the card reader.

*Terms and conditions apply. Boingo services provided by Boingo Wireless, Inc. See mastercard.boingo.com for full details

  • Manage your credit card via Internet Banking and Swedbank mobile app: block and unblock the card, manage limits and make repayments on the go.
  • You can start using the credit limit right after signing the credit card agreement.
  • Transfer money, make payments and withdraw cash in ATMs directly from your credit card account.
  • In addition to using the credit limit, you can transfer your own money to the card.
  • Book and pay for hotels and use car rental services.
  • Contactless payments – use contactless payments by tapping the card to the terminal or add your card to Apple Pay or other supported e-wallets.
  • Enable the Internet shopping feature.

When to pay back your used credit limit?

  • Interest is not calculated from the used credit limit from the purchase until the 10th day of each month.

How does the repayment work?

  • On the repayment date, the used amount is automatically withheld from the account related to the card. If there are insufficient funds, the interest accruing starts and you can repay the used limit and interest anytime later.

Please notice! 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.

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 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 must be earning a steady income for at least 6 consecutive months and your probation period must be over.
  • 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.
  • Main card’s monthly fee is 14,90 EUR and supplementary card’s monthly fee – 12,90 EUR.
  • Interest rate from 14% per year. It is set for each customer individually and depends on the amount of credit card limit
  • With the Extra package, the annual fee will be 160,20 EUR.

 

Effective as of 24.09.2020
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 €
Platinum credit card (Visa) When paying for goods or services with the Platinum credit card (Visa) or Platinum credit card (Mastercard), 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 credt card (Visa) or Platinum credit card (Mastercard) 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
Platinum credit card (Mastercard) When paying for goods or services with the Platinum credit card (Visa) or Platinum credit card (Mastercard), 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 credt card (Visa) or Platinum credit card (Mastercard) 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

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 (without Platinum credit card (Mastercard)) 1,92 € + 2.5% of the amount
Cash withdrawal withPlatinum credit card (Mastercard) up to € 1,000 monthly, 2.5% fee after of the amount exceeding the limit
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 (except Platinum credit card (Mastercard)) 1% of transaction amount
with Platinum credit card (Mastercard) no currency exchange surcharge
Renewal of primary and additional card free of charge
Retrieval of bank cards from other banks from Swedbank ATMs 30 €
  • 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.

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.

Worldwide airport experiences delivered directly via your Platinum card.

You can now access more than 1,000 airport lounges around the world, regardless of your airline or flight class.

  • Your Platinum credit card is your access key, with no other cards needed
  • Manage your visits easily in the LoungeKey™ app
  • Complimentary amenities at select lounges mean you have the luxury of escaping the hustle and bustle of the airport terminal
  • The list of LoungeKey™ lounges available to you and further information about the program can be found on the LoungeKey™ website and app:
    For Platinum card users without extra package
    For Platinum card with Extra package users

Make the most of the comforts of a LoungeKey™ airport lounge.

When you arrive at the lounge, be sure to mention you have LoungeKey™ membership. You will then need to present your Platinum credit card or LoungeKey™ Digital Card and boarding pass to gain entry. Your card will be swiped or scanned to register your visit.

Make sure that internet shopping is enabled for your card, download the app, register and manage your visits:

  • view airport lounges available to you,
  • access your Digital Card and hundreds of discount-offers,
  • track your visit entitlement and visit usage,
  • see the lounges you have visited.

Lounge visit fees:

  • For Platinum card holders - 28 EUR per visit
  • For persons accompanying Platinum cardholder as a guest - 28 EUR per visit

Important!

Card holder will be charged for each lounge visit directly to their Platinum card when entering the lounge.

You can find the terms and conditions on LoungeKey.com or the mobile app.

Extra package

  • You can enjoy 20 airport lounge visits per calendar year without any extra costs with the Platinum Extra package. From the 21st visit, full price will apply.
  • Extra package is optional and costs 160,20 EUR a year.
  • Apply for Extra package when activating your card via Internet Banking or by getting in touch with the bank.
  • Access to the airport lounges will be available in the next day after activating this service.

Boingo Wi-Fi for MasterCard® Cardholders: Share your unforgettable experiences with premium quality Wi-Fi access worldwide, at no cost to you as a Platinum credit card cardholder.

  • Enjoy fast, premium quality Wi-Fi at more than 1 million hotspots worldwide.
  • Stay connected on up to four devices including mobile phones, tablets and laptops.
  • Save time and spare the hassle with the Boingo Wi-Finder mobile app – it helps you locate nearby hotspots and gets you connected in just a few clicks.
  • Access 24/7 customer support via email, phone, chat and social media.
  • To use the service, please register and create your customer profile at mastercard.boingo.com, download the MasterCard Boingo Wi-Finder app and log in.
  • Locate accessible hotspots by visiting the hotspot map on http://wifi.boingo.com or downloading the MasterCard Boingo Wi-Finder app.
  • Register your card only once and after that connections will be automatic.

*Terms and conditions apply. Boingo Wi-Fi for MasterCard® for Cardholders services provided by Boingo Wireless, Inc. See mastercard.boingo.com for full details.

  • 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 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.

  • 1000 EUR per one item
  • 2000 EUR per one insured event
  • 4000 EUR per one year
  • 400 EUR per special group of insured items *
  • Excess per insured event is 30 EUR

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

Avis

Join Avis President’s Club for an even greater level of service, discounts and benefits

Hertz

Join Hertz Gold Plus Rewards for upgrades and up to 15% off all rentals

Hotels.com

Valuable deals for bookings at independent and local chain hotels around the world.

Mankind

High quality skin care, hair care and beard grooming products for man.

Farfetch

Farfetch exists for the love of fashion. It operates a truly global luxury digital marketplace, empowering individuality and connecting creators, curators and consumers worldwide.

Preferred hotels & resorts

Stay 4 nights for the price of 3 and receive Elite I Prefer Status

Farfetch

Farfetch exists for the love of fashion. It operates a truly global luxury digital marketplace, empowering individuality and connecting creators, curators and consumers worldwide.

A special offer for Mastercard World Elite Cardholders:

  • 10% off

Shop online at Farfetch.com and receive 10% off using code MASTERCARD10.
This discount is eligible on full-priced items only, minimum spend of EUR 200 is required.
Exclusions apply, full list can be found here.

Offer valid until 31 December 2020.

  • Free delivery

Shop online at Farfetch.com and receive free delivery using code MASTERFS.
This offer is eligible on full-priced items only, minimum spend of EUR 150 is required.
Exclusions apply, full list can be found here.

Offer valid until 31 March 2021.

In collaboration with:

Each offer cannot be used in conjunction with other promotional programmes, offers, discount cards, vouchers or VIP privileges.

Mankind

Mankind is the perfect way to top up your bathroom cabinet or bedside table with the latest in skin care, hair care and beard grooming products without a single burden.

A special offer for Mastercard World Elite Cardholders:

  • 20% off with no minimum spend

Shop online at Mankind and enter code MASTER20 at the checkout and receive 20% off with no minimum spend per order.

Offer valid until 31 December 2020.

In collaboration with:

Cannot be used in conjunction with any other code offer. Exclusions apply –products which are excluded from this promotion you can see here.
Full terms and conditions of sale can be found here.

Preferred hotels & resorts

If you love luxury travel and hospitality, explore the world’s most desired destinations with these exclusive offers to Mastercard Platinum cardholders. Preferred Hotels & Resorts portfolio of more than 750 of the world’s finest independent hotels, resorts, and residences in 85 countries service discerning travellers who seek unique experiences, high quality standards, and infinite possibilities.

A special offer for Mastercard World Elite Cardholders:

  • Stay 4 nights for the price of 3 & receive Elite I Prefer Status

Room rate must be booked and paid for with a Mastercard Platinum credit card. Cardholder must book rate code MKTMSC to receive this special offer. Offer valid only when paid for with a valid Platinum credit card.

Offer valid for bookings completed before 31 March 2021.

In collaboration with:

All rates on site are per room, per night and not combinable with any other promotions or programs; some restrictions, such as minimum stays and blackout dates may apply.
Full terms and conditions can be found here.

Capra, Saas-Fee, Switzerland

Capra, Saas-Fee, Switzerland

Hotels.com

Hotels.com is a leading provider of hotel accommodation worldwide, offering booking services through its own network of localised websites and telephone call centres. Use this discount whether you’re planning a romantic weekend, time alone to unwind or a cultural experience with your family.

A special offer for Mastercard World Elite Cardholders:

  • 8%* off bookings at independent & local chain hotels

When booking hotel, use code MASTERCARD8 and pay with Mastercard Platinum credit card to enrol for the discount.

Offer validity period:
Book by 31 March 2021 for completed stays up to 30 September 2021

In collaboration with:

*List of excluded hotel brands see here.
Full terms and conditions can be found here.

Avis

World Elite cardholders can now enjoy complimentary Avis President’s Club membership, which includes benefits such as:

  • Priority service and priority reservations
  • Guaranteed single upgrade at airports & rail stations, single upgrades and double upgrades at weekends (subject to availability)
  • Coupon for free weekend rental after three rentals
  • Free additional driver and guaranteed car when reserved within 48 hours of pick-up
  • Up to 35% discount for AVIS car rentals

Platinum credit card holders can access Avis President’s Club benefits in 3 easy steps.

Step 1:

Register on the website www.avispreferred.eu using your email address, and enter the promotional code Mastercard World Elite*.

Each cardholder can only register once. The cardholder then completes the registration form on the following pages.

During the enrolment process, cardholders are asked to register their Mastercard Platinum Credit Card and driving license number to complete the registration.

Step 2:

Membership confirmation is sent to cardholders from Avis Preferred with their unique membership number. The details will be delivered after the first car rental.

Step 3:

To rent a car, enter membership number and book here.

Offer validity period:
Ongoing until further notice

In collaboration with:

*Please note this cannot be used in conjunction with any other promotion.
Full terms and conditions can be found here.

Hertz

Join the prestigious Hertz Gold Plus Rewards programme and enjoy the following benefits:

  • Up to 15% discount on every car booked
  • Free one car class upgrade at participating locations (subject to availability)
  • Earn up to 900 Gold Plus Rewards bonus points upon enrolment
  • Free additional driver (spouse or domestic partner)
  • Bypass the queues and the counters at more than 50 of the world’s busiest airports
  • Expedited reservations, pick-ups and returns
  • Expedited Gold service at over 1,000 locations worldwide
  • Earn Gold Plus Rewards® Points for free car rental days around the world
  • 25% discount on child seats

World Elite credit card holders can access Hertz Gold Plus Rewards benefits in 4 easy steps.

Step 1: Register at Hertz Gold Plus Rewards here. Each cardholder may only register once.

Step 2: After registering, cardholders receive e-mail confirmation with their unique membership number and can print their membership card

Step 3: Make reservations here and enter membership number and print upgrade voucher

Step 4: On collection of vehicle, present membership number and Hertz Gold Plus Rewards Membership card at Hertz Desk

Offer validity period:
Valid until 31 December 2020

In collaboration with:

Terms and conditions for rental can be found here.

Back

Works like instalments: useful for bigger purchases or unforeseen expenses.

Best choice for your purchases and occasional travels abroad.

Gives you travel insurance for the whole family and protects most of your purchases.

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

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