Revolving credit card

Revolving credit card

Advantages of a revolving credit card:

  • 30-day interest-free period;
  • Safe online shopping;
  • 180-day insurance for items purchased with the card;
  • More reward points;
  • Permanent discounts at Statoil and Alexela.

Apply card

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

Special offer:
3 months for a monthly fee 0 €
Revolving credit card

Advantages of a revolving credit card:

  • 30-day interest-free period;
  • Safe online shopping;
  • More reward points;
  • Permanent discounts at Statoil and Alexela.

Apply card

The offer is valid for a credit card with flexible repayment that has been ordered in the period 15.08.–28.08.2016. Discount on monthly fee lasts until the end of November.

Card properties

  • Net income of applicant from 300 euros per month.
  • Card limit from 300 euros.
  • Choice of repayment date and amount.
  • A 30-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 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 in to 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.

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Discounts (0)

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    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. 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 online at www.swedbank.ee/preemiapunktid.

    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.
    * Computers, computer parts and external devices; mobile phones; glasses, incl. sunglasses; watches; unique items, jewellery (incl. precious stones, precious metals and pearls); items made of fur.

    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
    • 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.