Gold revolving credit card

Gold revolving credit card

Special offer: A monthly fee of € 0 until February!

  • Free travel insurance for the whole family.
  • Opportunity to perform transfers and make payments direct from your credit card account.
  • 40-day interest-free period on purchases made with card.
  • 180-day insurance for items purchased with the card.
  • Special offers and more reward points.
  • Allows you to make contactless payments.
  • Card sent to you in 5-10 days.

Apply card

*This offer is valid 14.11.–20.11.2016. If you have previously had the Gold revolving credit card, the special offer applies to you only if at least 14 days have passed since you cancelled your card.

NEW! If you have a personal offer in the Internet Bank and order a card on that basis, you can start using the amount made available to you on the card as soon as you order it - i.e. even before you receive the card itself.

Card properties

  • Net income of applicant from 300 euros per month.
  • Card limit from 600 euros.
  • Choice of payment date and amount.
  • A 40-day interest-free period applies to the transaction amount when the card is used to pay for goods or services. Interest calculation starts after this period. The interest-free period does not apply to cash withdrawals or to Internet Bank transfers.
  • You can also take out extra cards for your family members with your Gold revolving credit card. Each additional cardholder enjoys the same privileges as you. Please call our Customer Service on 6 310 310 to request an extra card.
  • You can determine usage limits for your card that are different from your credit limit in order to protect your money. Should anything happen to your card, call us on 6 310 310 for quick help and advice. You can request a new card if necessary.
  • Cash withdrawals from ATMs with a credit card are subject to a fee. Take a look at the price list.
  • You can also make transfers and payments from your credit card limit account. This option is easy to use in the Internet Bank and Mobile Bank.
  • To make a transfer from your credit card, simply initiate a domestic payment and select your credit card limit account from the drop-down menu. The regular price list for bank transfers applies to transfers you make from your credit card. You cannot select your credit card limit account as the account from which to debit service charges or as the account servicing deposit, loan, insurance, standing order or e-invoice direct debit agreements.
  • Terms and conditions of the agreement on the use of Gold revolving credit card

Safe online shopping

We want to make online shopping safer for you. That’s why all MasterCard and Visa cards that have been issued by Swedbank and are used to make purchases online must be linked to the free Secure Internet service. Read more.

You can register your card for secure purchases by logging into Swedbank’s Internet bank.

Credit Cover

Credit Cover allows you to insure the debts incurred on your credit card against situations in which repaying them becomes difficult or impossible.

With Credit Cover, any credit you use will be repaid in such unexpected situations as:

  • temporary or permanent incapacity for work as a result of an occupational accident or illness;
  • losing your job; and
  • a minor child suffering an accident or illness if this results in you no longer being able to fulfil your normal work duties.

With Credit Cover you can insure your smaller everyday financial obligations just as easily and naturally as you would your car, house or property.

Sign contract

Reward points

You can collect points three times faster when you make payments with a credit card instead of a debit card. You earn one reward point for every 6 euros you spend.

For example, when you use your fixed payment credit card to pay for a washing machine that costs 400 euros, you earn more than 65 reward points. You can use the reward points to get discounts on banking services, choose great gifts or make donations.

Take a look at the selection of gifts

Disputing card transactions

You can dispute card transactions by calling 6 310 310 at any time or by visiting your nearest branch.

Travel insurance comparison

Gold credit card travel insurance Travel insurance
Price Monthly fee of €3.70 (€44.40 per year), which includes free travel insurance Example: One week’s holiday for a family of four in Turkey is €146**
Coverage Insurance cover is automatic* You are covered once you enter into the contract
Validity Valid until the end date of the card for trips lasting up to 3 months Valid until the end of the insurance period
Scope Entire family Optional
Luggage and personal belonging cover Included in price Available at extra cost
Travel interruption cover Included in price Available at extra cost
Validity of travel interruption cover Automatic validity* Valid from the 3rd day after entering into the contract
Meditsiiniabi 500 000 € 500 000 €
Apply card More

You can review the terms and conditions of Gold credit card travel insurance HERE.

*Insurance cover is automatic if you pay at least 50% for the cost of your trip with your credit card or from your personal Swedbank bank account.
**Example price includes: 2 adults, 2 children, €1000 property insurance cover, €1500 travel interruption cover. Travel period begins 30 days after taking out policy.

Travel insurance

The revolving Gold credit card comes with an extensive travel insurance package, which covers you and your family members travelling with you during trips of up to three months anywhere in the world.

Travel insurance covers:
  • medical and transport expenses related to accidents and illnesses;
  • expenses incurred due to changes to your travel plans (cancellation or interruption of a trip, delayed travel etc.);
  • the cost of restoring or replacing personal items taken on the trip should they be damaged or destroyed (including stolen) as a consequence of a sudden and unforeseeable event.

The insurance cover will take effect if you pay for at least one of the expenses set out below with your Swedbank card or by means of a bank transfer from your personal Swedbank bank account:

  • any type of tickets for travelling to the destination;
  • package travel expenses;
  • accommodation expenses preceding the insured event; and
  • fuel expenses preceding the insured event.

You must have a valid Swedbank Gold credit card at the moment of paying for the travel expenses.

If the expenses cannot be determined in detail, the insurance cover will take effect if you have paid for at least 50% of (all ) the travel expenses with your Swedbank card or by means of a bank transfer from your personal Swedbank bank account.

Excess

Excess is the part of the loss amount you must personally cover in an insured event. The excess is 30 euros and it applies to insured events related to property insurance, travel itinerary changes and liability and legal assistance insurance.

The travel insurance is provided by Swedbank P&C Insurance AS. Please read the insurance terms and conditions and consult an insurance specialist if necessary.

If you have further questions, please contact customer service 888 2100, varakindlustus@swedbank.ee.


  • What does the Swedbank Gold and Platinum credit card travel insurance cover?

    Insurance cover and amount insured with excess

      American Express Platinum
    American Express Gold
    Gold revolving credit card (MasterCard)
    Platinum fixed payment credit card (VISA)
    Gold fixed payment credit card
    American Express Platinum and New Visa Platinum American Express Gold Gold revolving credit card (MasterCard) Platinum charge credit card (VISA) Gold charge credit card (VISA, MasterCard)
    Terms and conditions of travel insurance: Insurance terms and conditions Insurance terms and conditions Insurance terms and conditions Insurance terms and conditions Insurance terms and conditions
    Additional terms for obtaining travel insurance cover: No payment requirement Payment requirement of 50% of travel expenses
    No payment requirement
    Payment requirement of 75% of travel expenses
    Deductible: No deductible Deductible amount is EUR 30 No deductible
    Insurance cover Maximum Sum Insured (€) per Insured Person
    Accident insurance
    Accidental disability/death EUR 20 000 EUR 10 000 EUR 10 000 EUR 10 000 EUR 10 000
    person over 18 years of age Uniform cover for all regardless of age Uniform cover for all regardless of age Uniform cover for all regardless of age EUR 10 000 EUR 10 000
    person under 18 years of age Uniform cover for all regardless of age Uniform cover for all regardless of age Uniform cover for all regardless of age EUR 2 000 EUR 2 000
    Medical treatment expenses and transportation costs EUR 500 000 EUR 500 000 EUR 500 000 EUR 50 000 EUR 50 000
    Medical treatment expenses related to dental trauma and severe dental pain EUR 200 EUR 200 EUR 200 EUR 200 EUR 200
    Acquisition cost of medical aids (glasses, hearing aids, prostheses, etc.) EUR 200 EUR 200 EUR 200 EUR 200 EUR 200
    Services covered by medical treatment expenses:
    transportation to the closest hospital No limitations; according to the cover for medical treatment expenses and transportation costs. EUR 20 000 EUR 20 000
    expenses incurred in repatriation of the ill or injured person No limitations; according to the cover for medical treatment expenses and transportation costs. EUR 20 000 EUR 20 000
    cost of coffin No limitations; according to the cover for medical treatment expenses and transportation costs. EUR 5 000 EUR 5 000
    expenses incurred in repatriation of the deceased No limitations; according to the cover for medical treatment expenses and transportation costs.. EUR 10 000 EUR 10 000
    repatriation of a child No limitations; according to the cover for medical treatment expenses and transportation costs. EUR 17 000 EUR 17 000
    expenses of extension of the trip No limitations; according to the cover for medical treatment expenses and transportation costs. Travel and accommodation costs up to 10 days Travel and accommodation costs up to 10 days
    travel expenses of a person close to the insured person Travel and accommodation costs (including meals) of one person up to 5 days Travel and accommodation costs (including meals) of one person up to 5 days Travel and accommodation costs (including meals) of one person up to 5 days Travel and accommodation costs (including meals) of one person up to 5 days Travel and accommodation costs (including meals) of one person up to 5 days
    Insurance cover Maximum sum insured per credit card
    Property insurance
    Personal belongings (damage, theft) EUR 2 500 EUR 1 500 EUR 1 000 EUR 1 000 EUR 1 000
    Trip interruption and cancellation insurance
    Change of itinerary EUR 5 000 EUR 3 000 EUR 2 000 - -
    Cancellation of trip The cancellation and the interruption of the trip and cancelled departure have all been included in the change of itinerary EUR 2 000 EUR 2 000
    Interruption of trip EUR 2 000 EUR 2 000
    Cancelled departure EUR 1 000 EUR 1 000
    Exchange of flight ticket EUR 150 EUR 150 EUR 150 EUR 150 EUR 150
    Delay of flight
    - over 4 hours EUR 500 EUR 150 EUR 150 EUR 150 EUR 150
    - over 24 hours EUR 300 EUR 300 EUR 300 EUR 300
    Luggage delay
    - over 4 hours EUR 1000 EUR 300 EUR 300 EUR 150 EUR 150
    - over 24 hours EUR 300 EUR 300
    Liability and legal expenses insurance
    Liability insurance in case of bodily injury and material damage EUR 20 000 EUR 15 000 EUR 10 000 EUR 10 000 EUR 10 000
    Legal expenses EUR 10 000 EUR 1 000 EUR 1 000 EUR 1 000 EUR 1 000
    Bail EUR 5 000 EUR 3 000 EUR 3 000 EUR 3 000 EUR 3 000
    Motor hull insurance of a rental car
    (deductible sum is 250)
    EUR 40 000 - - - -

You are eligible for many special offers made by our partners when you use your Gold credit card for payment.

You can view them with the help of a mobile app available under the special offers button in Swedbank’s Android app and online at www.swedbank.ee/soodustused for iPhone and Windows Phone users..

You can also take a look at all of the special offers online at www.swedbank.ee/premium

Discounts (0)

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    A credit card comes with a purchase insurance that covers all durable goods bought with the credit card. Purchase insurance is applied automatically and it is valid for 180 days after the day of the purchase.

    The insurance covers theft, loss and damage, even if the purchased item was damaged through your own fault and no manufacturer guarantee applies to it. It applies to goods purchased online as well.

    Purchase insurance provides compensation in case you accidentally ruin clothing that you have bought, lose a newly purchased ring or break the screen of your new tablet computer. Excess per insured event is 30 euros; it is therefore wise to buy all items that cost more than that with a credit card. Read more about the terms and conditions of purchasing insurance.

    Purchase insurance sums insured

    Sums insured are determined for each insured item, insured event, and calendar year.

    Maximum sum insured
    One item € 1,000
    One insured event € 2,000
    One year € 4,000
    Items with limited compensation € 400
    Excess per insured event is € 30.
    • Credit cards

      1. PRIVATE PERSON Effective as of 01.07.2016
      1.1 Revolving credit card (2)
      - 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 (1) (currently 0.022% a day, 8.00% a year)
      1.2 Fixed payment credit card
      - annual interest rate 19 - 22%
      - penalty ECB interest rate + 8% a year (1) (currently 0.022% a day, 8.00% a year)
      - debt notice 3 €
      1.3 Gold Revolving credit card (3)
      - monthly fee 3,70 €
      - monthly fee of an additional card 2,50 €
      - annual interest rate 17 - 20%
      - penalty ECB interest rate + 8% a year (1) (currently 0.022% a day, 8.00% a year)
      - debt notice 3 €
      1.4 Visa Platinum credit card (4)
      - monthly fee 12,90 €
      - monthly fee of an additional card 10,90 €
      -Visa Platinum extra package 160,20 € a year (5)
      - annual interest rate 14 - 17%
      - penalty ECB interest rate + 8% a year (1) (currently 0.022% a day, 8.00% a year)
      - 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 27 USD per visitor
           - for persons accompanying Visa Platinum cardholder 27 USD per visitor
      1.5 Gold Charge credit card
      - monthly fee of the primary card 5,11 €
      - monthly fee of an additional card 2,56 €
      - penalty ECB interest rate + 8% a year (1) (currently 0.022% a day, 8.00% a year)
      - debt notice 3 €
      1.6 Platinum Charge credit card
      - annual fee of the primary card 127,82 €
      - annual fee of an additional card 63,91 €
      - penalty ECB interest rate + 8% a year (1) (currently 0.022% a day, 8.00% a year)
      - debt notice 3 €
      - the Priority Pass salon visit fee for a Platinum credit card holder 27 USD per visitor
      1.7 American Express Blue credit card (6,7) 
      - monthly fee of the primary card 1,60 €
      - monthly fee of of an additional card 1,60 €
      - annual interest rate 17 - 20%
      -penalty ECB interest rate + 8% a year (1) (currently 0.022% a day, 8.00% a year)
      1.8 American Express Gold credit card (6,8)
      - monthly fee of the primary card 10,50 €
      - monthly fee of of an additional card 7 €
      - annual interest rate 16 - 19%
      -penalty ECB interest rate + 8% a year (1) (currently 0.022% a day, 8.00% a year)
      - the Priority Pass salon visit fee 27 USD per visitor
      1.9 American Express Platinum credit card (6,9)
      - annual fee of the primary card 475 €
      - annual fee of an additional card 320 €
      - annual interest rate 14%
      -penalty ECB interest rate + 8% a year (1) (currently 0.022% a day, 8.00% a year)
      - the Priority Pass salon visit fee for a cardholder free of charge
      - the Priority Pass salon visit fee for for persons accompanying cardholders 27 USD per visitor
      GENERAL SERVICE AND TRANSACTION FEES
      1. Card opening fee
      - opening a card at branch 2,50 €
      - opening a card in Internet Bank 1,50 €
      2. Payment in a commercial enterprise free of charge
      3. Cash deposit in euros in home bank's terminal (10) - up to 5000 € per calendar month free of charge;
      - 0,25% of the deposited amount that exceeds 5000 € per month
      4. Cash withdrawal 1,92 € + 2.5% of the amount
      5. Transfer from credit card limit account according to regular bank transfers pricelist
      6. Replacement of a card 7 €
      7. Statement of transactions
      - in last month free of charge
      - a previous month 4 € per month
      8. Amendment of a credit card agreement (11)
      - 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
      9. Closure of a credit card free of charge
      10. Penalty for using a closed card 65 €
      11. Copy of a receipt (inquiry)
      - a transaction in Estonia 4 €
      - a transaction abroad 8 €
      12. Balance inquiry and statement in Swedbank’s terminals in Estonia free of charge
      13. Balance inquiry in other bank’s terminals in Estonia and abroad (12) 0,32 € per query
      14. 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)
      15. Using a Visa or MasterCard assistance service abroad (issue of a temporary credit card abroad) 0 to 130 €, depending on actual costs
      16. Sending a card from one branch to another (13) 2,50 €
      17. Sending a card by mail
      - mail (Estonia) free of charge
      18. Conversion fee for transactions in foreign currencies (14)
      - VISA or MasterCard 1% of transaction amount
      - American Express card 0.5% of transaction amount
      19. Renewal of primary and additional card free of charge
      2. LEGAL PERSONS Effective as of 01.09.2016
      2.1 Business Credit Card (15)
      - issue fee 5 €
      - monthly fee 3 €
      - annual interest rate 18%
      - penalty 0.2% a day
      - debt notice 3 €
      2.2 Business Gold Credit Card (16)
      - issue fee 10 €
      - monthly fee 10 €
      - annual interest rate 14%
      - penalty 0.2% a day
      - debt notice 3 €
      - the Priority Pass salon visit fee 27 USD per visitor
      2.3 Charge card MasterCard Business (17)
      - annual fee 25 €
      - penalty 0.2% a day
      - debt notice 3 €
      2.4 Charge card Visa Business Gold (17)
      - annual fee 120 €
      - penalty 0.2% a day
      - debt notice 3 €
      - the Priority Pass salon visit fee 27 USD per visitor
      2.5 Fixed Payment credit card Visa Business (17)
      - issue fee upon first application and renewal free of charge
      - monthly fee 1,30 €
      - annual interest rate 18%
      - penalty 0.2% a day
      GENERAL SERVICE AND TRANSACTION FEES
      1. Payment in a commercial enterprise free of charge
      2. Cash deposit in euros in home bank’s terminal (18) - up to 5000 € per calendar month free of charge;
      - 0,25% of the deposited amount that exceeds 5000 € per month
      3. Cash withdrawal 1,92 € + 2.5% of the amount
      4. Transfer from credit card limit account (19) according to regular bank transfers pricelist
      5. Replacement of a card 7 €
      6. Statement of transactions
      - in last month free of charge
      - a previous month 4 € per month
      7. Amendment of a credit card agreement
      - increasing of the credit limit at branch 1% of the requested additional limit, min 10 €
      - amendment of the agreement 10 € (excluding changing the user limits)
      - amendment of the agreement in Internet Bank free of charge
      8. Closure of a credit card free of charge
      9. Penalty for using a closed card 65 €
      10. Copy of a receipt (inquiry)
      - a transaction in Estonia 4 €
      - a transaction abroad 8 €
      11. Balance inquiry and statement in Swedbank’s terminals in Estonia free of charge
      12. Balance inquiry in other bank’s terminals in Estonia and abroad (12) 0,32 € per query
      13. 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)
      14. Sending a card from one branch to another (13) 2,50 €
      15. Using a Visa or MasterCard assistance service abroad (issue of a temporary credit card abroad) 0 to 130 €, depending on actual costs
      16. Conversion fee for transactions in foreign currencies (14) 1% of transaction amount

      (1) 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.
      (2) When paying for goods or services with a private person’s revolving credit card, the transaction amount is subject to a 30- day interest-free period, after which the calculation of interest starts. When withdrawing cash or making transfers from credit card limit account, the calculation of interest starts at once.
      (3) When paying for goods or services with a private person’s Gold revolving credit card, the transaction amount is subject to a 40-day interest-free period, after which the calculation of interest starts. When withdrawing cash or making transfers from credit card limit account, the calculation of interest starts at once.
      (4) 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). When withdrawing cash or making transfers from credit card limit account, the calculation of interest starts at once.
      (5) 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.
      (6) American Express cards are not issued from 1 st of July 2016.
      (7) When paying for goods or services with the American Express Blue 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). When making transfers from credit card limit account, the calculation of interest starts at once.
      (8) When paying for goods or services with the American Express Gold 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). When making transfers from credit card limit account, the calculation of interest starts at once.
      (9) When paying for goods or services with the American Express Platinum credit card, the transaction amount is subject to an up to 50-day interest-free period (between the date of purchase and the payment date). When making transfers from credit card limit account, the calculation of interest starts at once.
      (10) Possible with credit cards pointed in 1.1 – 1.4. The fee is charged on the amount that exceeds 5 000 € per calendar month and the cash is deposited in home bank’s terminal. The service fee is client-based on the basis of calculation is a calendar month.
      (11) 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.
      (12) 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.
      (13) The price is inclusive of VAT at the rate of 20%.
      (14) Added to the amount of every transaction made with the card if the card transaction is in a currency other than the euro. The conversion fee is not subject to a refund if the transaction is cancelled.
      (15) When paying for goods or services with a Business Credit Card, the transaction amount is subject to a 30- day interest-free period, after which the calculation of interest starts. When withdrawing cash or making transfers from credit card limit account, the calculation of interest starts at once.
      (16) When paying for goods or services with a Business Gold Credit Card, the transaction amount is subject to a 40- day interest-free period, after which the calculation of interest starts. When withdrawing cash or making transfers from credit card limit account, the calculation of interest starts at once.
      (17) The card is not issued from 20th of April 2016.
      (18) Possible with Fixed Payment credit card Visa Business, with Business Credit Card and with Business Gold Credit Cards. The fee is charged on the amount that exceeds 5 000 € per calendar month and the cash is deposited in home bank’s terminal. The service fee is client-based on the basis of calculation is a calendar month.
      (19) Service is available with Business Credit Card and Business Gold Credit Card.

    Contactless payments - an even quicker way of paying by card

    Swedbank’s new contactless cards allow you to make purchases to a value of up to €10 without having to slot your card into the payment terminal or enter your PIN. You only need to tap it against the terminal. This way your everyday purchases will be even quicker and more convenient, while being just as safe as before.

    • More opportunities for the same monthly fee - The new contactless feature won’t lead to any rise in the monthly fee for bank cards.
    • Safe - To make a payment you need to place your card very close to the terminal, and two similar payments can’t be made within a short period of time in a row. Random checks mean that from time to time some small purchases will need to be confirmed using your PIN. Please do not allow the person who serves you to take the card from you.
    • Flexible - Should you wish to, you can easily switch the contactless feature off or on again in the Internet Bank or Mobile Bank. To confirm this, the next time you use your card at an ATM or payment terminal you’ll have to enter your PIN.
    • International - Contactless payments can be made in Estonia and abroad. Since the amount you can spend in a single contactless payment can vary from country to country, we recommend that you check out the terms and conditions of such payments in the country you’re going to before you leave.
    • Usage locations - Since new places that accept contactless payments are being added to the list all the time, it may be the case that some of the places on the list do not yet accept the payments. The list only includes payment terminals administered by Swedbank and there are more such points on the market today. Look out for the contactless payment symbol.

    You can pay with contactless cards in

    If making the contactless payment fails, insert the card in the terminal and enter the PIN.

    If your bank card is lost or stolen, block it immediately in the mobile bank or call our Consultation Centre on 6 310 310.

    Contacts

    Notify of damage

    If an insured event occurs, call our claims handling

    Property insurance claims handling is provided by Swedbank P&C Insurance AS

    • Claims handling
    • 888 2111 (24h)
    Report a damage