Gold revolving credit card

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.

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.

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.

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:

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.

Notify of damage

If an insured event occurs, call our claims handling

Report a damage

Claims handling 888 2111,
kahjuabi@swedbank.ee

Swedbank P&C Insurance AS
Liivalaia 12, 15039 Tallinn

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.

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