American Express® Blue

American Express BlueAn American Express® Blue credit card guarantees you the following:
  • 180-day purchase insurance;
  • more flexibility in taking care of your finances;
  • great special offers all over the world;
  • more useful reward points.

New cards will no longer be issued
The use of cards already issued that expire prior to September 2018 can be continued until end of their term of validity. Cards expiring in September 2018 or later can no longer be used starting from 1 September 2018. We will contact all our customers in advance to find the best solution for each individual customer.

NEW! You can now perform transfers and make payments in the Internet Bank and Mobile Bank direct from your credit card account.

180 days insurance for purchases

American Express Blue is a credit card suitable for those who want to protect their purchases against unexpected events. When you buy new durable goods with your Blue card, the purchase insurance that comes with the card covers them automatically for 180 days after the purchase. The insurance covers the purchases for theft, loss and damage, and works even if an accident happens with the purchased item through your own fault and the manufacturer’s warranty does not apply.

For example, the Blue purchase insurance also helps if you spoil a piece of clothing you purchased, lose a newly-bought ring or the screen on your new tablet breaks. The excess of the purchase insurance is 30 euros, which means that it pays to use your Blue card to purchase items that cost more than that.

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

Purchase protection amounts

Insurance amounts are defined for one insured item, one insured event and one year.

Single insured item 1000 euros
Single insured incident 2000 euros
Year 4000 euros
Excess per insured event is 30 euros.

Notify of damage

If an insured event occurs, call our claims handling

Swedbank P&C Insurance AS
Liivalaia 12, 15039 Tallinn

Customer service 888 1513,
varakindlustus@swedbank.ee

Claims handling 888 2111,
kahjuabi@swedbank.ee

Report a damage

Card properties

  • Net income of applicant from 300 euros per month.
  • Card limit from 250 euros.
  • The card comes with 180-day purchase insurance.
  • The card has an interest-free period of up to 40 days (from the date of purchase until the payment date). If you haven’t made a repayment by the 10th of the month, the payment will be made automatically, unless you don’t have enough money for the full repayment in your account. Interest will start accruing in such a case and you can repay the necessary amount later, at a time that suits you. 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 Blue 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 with the card, call us on 6 310 310 for quick help and advice. You can request a new card if necessary.
  • 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.

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

You can take advantage of many special offers in Estonia and elsewhere in the world if you use your American Express Blue card to make payments. You can view them with the help of a mobile app available under the special offers button

in Swedbank’s Android app for iPhone and Windows Phone users. Online at:
www.swedbank.ee/soodustused.

Discounts (0)

    Other locationsClose
    You earn valuable reward points when you use your American Express Blue card. With the Blue card, you earn points faster than with debit cards and your points are valid for five years instead of the usual two. You earn one point for every €6 you spend with your American Express Blue card.
    You can use the reward points to get discounts on banking services, choose great gifts or make donations. You can also choose gifts from the list meant exclusively for American Express cardholders. Read about the reward programme online at www.swedbank.ee/preemiapunktid.
    • 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.