Visa Platinum credit card

For people who travel every day

  • An opportunity to visit the Priority Pass lounges at airports for an unlimited number of times
  • The best travel insurance of Swedbank for the whole family – the rental car, trip cancellation, and even your personal belongings will be covered;
  • 180-day insurance for items purchased with the card;
  • Up to a 40-day interest-free period;
  • Transfers from the credit card account;
  • The Estravel Platinum Club member status ensuring first-class travel service and special offers;
  • Visa Luxury Hotel Collection programme and special offers;
  • Valuable bonus points.
Apply card

Card properties

Visa Platinum card makes your business trips and also holidays with the whole family convenient, since all trips and your purchases have been insured by means of the card.

  • Price €315 per year, including:
    €12,90 – monthly fee of the card;
    €160,20 – An annual fee for an unlimited number of visits to Priority Pass lounges and for the membership of Estravel Platinum Club (optional).
  • You can also select the card without an additional package by only paying a monthly fee for the card in the amount of € 12.90. In this case, the card still includes the Priority Pass membership, but you have to pay an additional fee for visiting Priority Pass lounges (27 USD per visit). Also, this does not ensure the Estravel Platinum Club membership.
  • Thanks to the known and recognised trademark of Visa, you can use Platinum card everywhere in the world.
  • Card limit from € 2,000
  • The card has a 40-day interest-free period: interest is not calculated from the used credit limit from the purchase until the payment date, or until the 10th day of each month. On the payment date, the used amount is automatically withheld from the account related to the card, except in case there is no enough money for repayment. In this case, interest starts accruing and you can repay the necessary amount later on.
  • You can also take out extra cards for their close ones in addition to Platinum card. Each additional cardholder enjoys the same privileges as you. To order an additional card, please contact your client executive.
  • Free parking for you in the parking lot of Swedbank Liivalaia office.

Secure internet shopping

I want that also internet shopping would be as secure as possible for you. Therefore, if you want to pay with Visa Platinum card on the internet, you have to add the card to free service called Secure Internet. Read more

In order to engage in secure internet shopping, you can register your card by logging in the internet bank.

Purchasing insurance that belongs together with the card protects all durable goods within 180 days after purchase for which you have paid with Visa Platinum card. The insurance helps if the item is stolen or lost, and also even in case it should shatter at your fault.

Purchase insurance is offered by Swedbank P&C Insurance AS. Read more about the policy conditions and if necessary, consult with the insurance specialist.

Sums insured

In case of purchasing insurance, there is a maximum sum insured 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
Co-insurance per each insured event is € 30.

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

Swedbank’s best travel insurance comes together with Visa Platinum card, offering very comprehensive insurance cover and applies both to you and all family members travelling with you.

Travel insurance applies automatically at all times – you do not have to inform about going to a trip or conclude a separate policy.

Travel insurance covers:

  • Medical expenses in the amount of up to € 500,000;
  • Any expenses arising from the changes in the travel plan (trip interruption, delay of transport, trip cancellation, including for business reasons, etc.);
  • Any expenses related to the restoration or replacement of personal belongings taken on a trip if the items are stolen, lost, or damaged;
  • Item-related or personal injury caused to third persons during a trip;
  • Any losses related to rental car; co-insurance in case of an insured event is € 250.

Travel insurance is offered by Swedbank P&C Insurance AS. Read more about policy conditions and if necessary, consult with the customer service by calling +372 888 1513.

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


  • What does the Swedbank Gold and Platinum credit card travel insurance cover?

    Insurance cover and amount insured with excess

      American Express Platinum
    American Express Gold
    Gold revolving credit card (MasterCard)
    Platinum fixed payment credit card (VISA)
    Gold fixed payment credit card
    American Express Platinum and New Visa Platinum American Express Gold Gold revolving credit card (MasterCard) Platinum charge credit card (VISA) Gold charge credit card (VISA, MasterCard)
    Terms and conditions of travel insurance: Insurance terms and conditions Insurance terms and conditions Insurance terms and conditions Insurance terms and conditions Insurance terms and conditions
    Additional terms for obtaining travel insurance cover: No payment requirement Payment requirement of 50% of travel expenses
    No payment requirement
    Payment requirement of 75% of travel expenses
    Deductible: No deductible Deductible amount is EUR 30 No deductible
    Insurance cover Maximum Sum Insured (€) per Insured Person
    Accident insurance
    Accidental disability/death EUR 20 000 EUR 10 000 EUR 10 000 EUR 10 000 EUR 10 000
    person over 18 years of age Uniform cover for all regardless of age Uniform cover for all regardless of age Uniform cover for all regardless of age EUR 10 000 EUR 10 000
    person under 18 years of age Uniform cover for all regardless of age Uniform cover for all regardless of age Uniform cover for all regardless of age EUR 2 000 EUR 2 000
    Medical treatment expenses and transportation costs EUR 500 000 EUR 500 000 EUR 500 000 EUR 50 000 EUR 50 000
    Medical treatment expenses related to dental trauma and severe dental pain EUR 200 EUR 200 EUR 200 EUR 200 EUR 200
    Acquisition cost of medical aids (glasses, hearing aids, prostheses, etc.) EUR 200 EUR 200 EUR 200 EUR 200 EUR 200
    Services covered by medical treatment expenses:
    transportation to the closest hospital No limitations; according to the cover for medical treatment expenses and transportation costs. EUR 20 000 EUR 20 000
    expenses incurred in repatriation of the ill or injured person No limitations; according to the cover for medical treatment expenses and transportation costs. EUR 20 000 EUR 20 000
    cost of coffin No limitations; according to the cover for medical treatment expenses and transportation costs. EUR 5 000 EUR 5 000
    expenses incurred in repatriation of the deceased No limitations; according to the cover for medical treatment expenses and transportation costs.. EUR 10 000 EUR 10 000
    repatriation of a child No limitations; according to the cover for medical treatment expenses and transportation costs. EUR 17 000 EUR 17 000
    expenses of extension of the trip No limitations; according to the cover for medical treatment expenses and transportation costs. Travel and accommodation costs up to 10 days Travel and accommodation costs up to 10 days
    travel expenses of a person close to the insured person Travel and accommodation costs (including meals) of one person up to 5 days Travel and accommodation costs (including meals) of one person up to 5 days Travel and accommodation costs (including meals) of one person up to 5 days Travel and accommodation costs (including meals) of one person up to 5 days Travel and accommodation costs (including meals) of one person up to 5 days
    Insurance cover Maximum sum insured per credit card
    Property insurance
    Personal belongings (damage, theft) EUR 2 500 EUR 1 500 EUR 1 000 EUR 1 000 EUR 1 000
    Trip interruption and cancellation insurance
    Change of itinerary EUR 5 000 EUR 3 000 EUR 2 000 - -
    Cancellation of trip The cancellation and the interruption of the trip and cancelled departure have all been included in the change of itinerary EUR 2 000 EUR 2 000
    Interruption of trip EUR 2 000 EUR 2 000
    Cancelled departure EUR 1 000 EUR 1 000
    Exchange of flight ticket EUR 150 EUR 150 EUR 150 EUR 150 EUR 150
    Delay of flight
    - over 4 hours EUR 500 EUR 150 EUR 150 EUR 150 EUR 150
    - over 24 hours EUR 300 EUR 300 EUR 300 EUR 300
    Luggage delay
    - over 4 hours EUR 1000 EUR 300 EUR 300 EUR 150 EUR 150
    - over 24 hours EUR 300 EUR 300
    Liability and legal expenses insurance
    Liability insurance in case of bodily injury and material damage EUR 20 000 EUR 15 000 EUR 10 000 EUR 10 000 EUR 10 000
    Legal expenses EUR 10 000 EUR 1 000 EUR 1 000 EUR 1 000 EUR 1 000
    Bail EUR 5 000 EUR 3 000 EUR 3 000 EUR 3 000 EUR 3 000
    Motor hull insurance of a rental car
    (deductible sum is 250)
    EUR 40 000 - - - -

Card offers in Estonia and abroad

When paying with Visa Platinum card, you will receive excellent special and discount offers in stores, restaurants, hotels, and at several other service providers both in Estonia and abroad.

Read more about the Visa discount offers at an international level and the offers from our cooperation partners in Estonia in the mobile bank under “Discounts” and in iPhone and Windows Phone at www.swedbank.ee/soodustused.

Visa Luxury Hotel Collection offers particularly carefully selected and only the most luxurious hotels at special prices. Read more about offers by registering your card at www.myvisaluxuryhotels.com.

You can also use the Estravel Platinum Club travel offers if you register yourself as a free club member. Club member benefits include:

  • Discount on the service charge in the amount of up to 100% when purchasing a trip at the office of Estravel;
  • Special offers and permanent discounts by cooperation partners;
  • Collection of bonus points both from private and business trips;
  • Travel offers by e-mail;
  • Travel magazine Estraveller home free of charge.

By joining Estravel Platinum Club you are not obligated to do anything, and you can always cancel the membership at any time. Read more about the additional values and terms and conditions of Platinum Club.

Discounts (0)

notFound
    otherPlacesClose

    With Visa Platinum credit card you can make gifts to yourself and people close to you

    You can earn bonus points faster when you pay with the card rather than the debit card. For each € 6 you earn 1 point for which you can choose gifts that you like. Browse the gift selection

    • 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.