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All credit cards

Until 06.12.2020.

Credit cards – for safe holiday shopping online

Special offer! No monthly fee until 31.05.2021 for Gold and Standard credit cards applied for during the period of 09.11.2020 until 06.12.2020.*

To have a safe and stress-free Christmas period, start your preparations early and consider using online shops. Have a look at the tips below for wiser shopping.

  • Before buying online, do a quick background check on the merchant.
  • Be cautious of offers that are too good to be true.
Until 06.12.2020.

Credit cards – for safe holiday shopping online

  • Make sure you know how you can return the goods if necessary.
  • Shop safer thanks to the cards' purchase insurance.
  • Interest-free period and credit limit are always available for you.
  • Take advantage of our partner discounts.

* As from 01.06.2021, 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 cards comparison

Until 06.12.

  • Credit limit from 300 EUR
  • 180-day purchases insurance
  • Up to 30-day interest-free period for used credit card limit
  • Monthly fee 1,30 0,00 € (€0 for clients up to 25 y.o)
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Until 06.12.

  • Credit limit from 600 EUR
  • Extensive worldwide travel insurance package
  • 180-day purchases insurance
  • Up to 40-day interest-free period for used credit card limit
  • Monthly fee 4,96 0,00
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  • Credit limit from 2000 EUR
  • Swedbank's best travel insurance
  • Access to LoungeKey™ lounges.
  • No commission fees for cash withdrawals up to 1000 EUR per month.
  • No mark-up fee for transactions in foreign currency.
  • Up to 40 days interest-free periood.
  • Monthly fee 14,90 €
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Special offer

Revolving credit card

Apply

Special offer

Gold revolving credit card

Apply

Platinum credit card

Apply

Best choice for your purchases and occasional travels abroad. Travel insurance for the whole family traveling together. Our best travel Insurance and access to LoungeKey™ lounges.
Purchase insurance
Travel insurance Wide Exclusive
LoungeKey™
Interest free period Up to 30 days Up to 40 days Up to 40 days
Repayment Flexible Flexible Automatic/flexible
Monthly fee 1,30 0,00 (€0 for clients up to 25 y.o) 4,96 0,00 14,90
Annual interest form 19% 17% 14%

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The information (in the table/above) may be different from the terms offered to you.

  • 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.

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 €

If you have lost your card or it is stolen, please block your card easily in our Mobile Bank, Internet Bank or by calling us on +372 6 310 310.

In case you are abroad, and you cannot contact us, call:

  • Mastercard helpline in abroad +1 636 722 7111 (chargeable number) or In-Country Telephone Numbers (free of charge).
  • Visa card helpline in abroad +1 410 581 3836 (chargeable number) or Country toll-free numbers (free of charge).
  • We want to make online shopping safer for you. That’s why the internet shopping option must be activated in case of each Mastercard and Visa cards that have been issued by Swedbank and are used to make purchases online. Read more about internet shopping.
  • Before you make a purchase online, make sure the store is safe. Try to find out more information about merchant. Every website should have information about the name and location of the company and an e-mail address and telephone number to use, should you have any problems. There should also be information about deliveries and returns, the procedure for submitting complaints as well as warranty terms and conditions. Don’t fall for discounts that seem to be too unrealistic.
  • Use a welcome text in the Internet shopping programme that is as personalised as possible. Every time you make a purchase online, ensure that the welcome text is the same as the one you set when you signed up to the programme.
  • If you only rarely make purchases online using your bank card, we advise you to activate the Internet shopping option only for the moment of making the purchase.
  • You can protect your money by choosing usage limits that suit you. You can set separate limits for purchases, cash and payment transactions.
  • You can change Usage Limits in Internet bank under My Cards or in the Swedbank app.
  • You can also increase your limits temporarily if necessary.
  • Make sure you always know where your bank card is. If you pay by card, do not let the person serving you take it to a back room on their own, because your card data can be stolen.
  • If you lose your card, immediately block it in the Mobile Bank, Internet bank or by calling the Consultation Centre and ask them to close it.
  • It is not recommended, to send your card number by post or give it on the telephone when making a purchase, because your card data could be used for fraudulent transactions, but if there are no other possibilities, please, be extra careful.
  • Be careful when using the ATMs of other banks. Some ATMs return your card before dispensing the money. Make sure you have your bank card and the requested amount of cash before you leave the ATM.
  • Only the person whose name appears on the card, may use the card. Do not let anyone, even a close person, to use your card.
  • Always check the transaction amount that you are approving with the card.
  • Follow up your card transactions regularly in your internet bank or in the Swedbank app. If any transaction seems suspicious, please contact the bank.
  • When you get your bank card, you will also receive a PIN that is known only to you.
  • Memorize it, do not write your PIN on the card or anywhere else where it can be seen by others.
  • Do not tell your PIN to anyone, not even to bank employees.
  • Try to enter your PIN so that no one else can see it, because your card could be stolen and used by somebody else. If the payment with a stolen card is confirmed with the PIN, it is the customer’s liability.
  • If you suspect that your PIN has become known to someone else or if the bank has notified you of the need to change your PIN, you must change it immediately. You can do so at any Swedbank ATM.
  • When selecting your PIN, do not re-use your old PIN. Do not use identical codes for different cards for the purpose of memorising them.

Visa Platinum credit card

Works like hire purchase - useful for bigger 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.

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Kind regards,
Swedbank