Gold revolving credit card

Card properties

• Net income of applicant from 490 euros per month.
• Card limit from 600 euros.
• Choice of payment date and amount.
• An up to 40-day interest-free period applies to the transaction amount when the card is used to pay for goods or services. No interest will be calculated if you repay the amount of the credit limit you have used during the last month by the 10th day of each month. 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.

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.

Disputing card transactions

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

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.

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.