Revolving credit card

For shopping with confidence

180-day purchase insurance
365-day purchase insurance and event ticket insurance
30-days interest-free period
Credit limit from 300 EUR

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.

Find out more

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 300 EUR
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.
Included event ticket insurance and online store shipping protection.
Access to Mastercard® Priceless Platform.
Book and pay for hotels and use car rental services.
Up to 30-day interest-free period for used credit card limit.
Discounts.
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 up to 30-days if you repay the amount of the credit limit you have used by the last day of the 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.

Pricelist and conditions

Card’s monthly fee is 1,592 EUR (free of charge for people up to 25 years of age).
Interest rate from 19% 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)

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.

Partners' offers

Back

Sustainability

Using cash not only brings environmental issues but also may support the shadow economy. By moving from cash to digital payments, we can protect our planet, remove the anonymity of transactions, and even more - save time spent managing money.

New! From now all newly issued Revolving credit cards are made of recycled plastic!

Pay digitally. It helps you track your expenses, set the limits for certain expense categories, and identify where you can manage your consumption habits.
Be aware of non-recyclable receipts. Paper receipts are made from non-recyclable thermal paper. When paying by card, ask for a paperless receipt which you can receive online by e-mail.
Contactless payments are clean and hygienic. By using contactless payments, you can reduce the physical contact between different people who are exchanging banknotes or touching the ATM.

The total volume of card payments in the Baltics increased by 45% during the last 6 years. Paying by card is hygienic, quick and flexible - use contactless or chip and PIN transactions.

{ "xAxis": { "visible": true, "categories": ["2012", "2013", "2014", "2015", "2016", "2017", "2018", "2019", "2020", "2021", "2022"] }, "yAxis": { "visible": true, "title": "" }, "legend": { "enabled": true }, "plotOptions": { "column": { "dataLabels": { "enabled": false } } } }

Source: Swedbank

Measure your cash payments’ CO₂ footprint and see how many trees are needed to absorb the emissions created per year.

Cash payments

Yearly CO₂ footprint
0
Trees required to absorb CO₂
0

If you paid by card, you could save

CO₂ emissions (kg)
0
Trees
0

Source: Lindgreen, E.R., van Schendel, M., Jonker, N. et al. (2018); Hanegraaf, R., Larçin, A., Jonker, N. et al (2020)

Gold revolving credit card

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

Platinum credit card

Swedbank's best travel insurance, unlimited access to Priority Pass airport lounges and rental car insurance. Read more

Credit Cover

Insure your credit card repayments and get financial safety in case you unexpectedly fall ill or lose your job. Read more

New!

Micro Invest

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

Card related questions and card claims

phone
Write bank message

Insurance related questions and claims

phone
Insurance is provided by Swedbank P&C insurance AS.

Report damage

popup-duplicate-agreement-message

Revolving credit card

For shopping 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?