All credit cards

Nearby or far away. Travel with the credit card.

  • Safe and carefree traveling with Gold and Platinum cards' travel insurance.
  • Shopping made even safer thanks to cards' purchase insurance.
  • Extra money with grace period always at hand for bigger purchases or unexpected situations.
  • Book and pay for hotels and use car rental services.
Note: Before applying for a card, log in to the Internet Bank to check whether you have a pre-calculated offer. Ordering a credit card on the basis of a personal offer made to you in the Internet Bank, you can start using it up to the established limit as soon as you place the order and enter into the agreement i.e. even before the physical card reaches you.

Credit cards comparison

  • Credit limit from 300 EUR
  • 180-day purchases insurance
  • Up to 30-day interest-free period for used credit card limit
  • Monthly fee 1,30 € (€0 for clients up to 25 y.o)
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  • Credit limit from 300 EUR
  • 180-day purchases insurance
  • Repayment with fixed monthly payments
  • Monthly fee 0 €
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  • Credit limit from 600 EUR
  • Extensive worldwide travel insurance package
  • 180-day purchases insurance
  • Up to 40-day interest-free period for used credit card limit
  • Monthly fee 4,96 €
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  • Credit limit from 2000 EUR
  • Swedbank's best travel insurance
  • Access to Priority Pass lounges
  • 180-day purchases insurance
  • Up to 40-day interest-free period for the used credit card limit
  • Monthly fee 12,90 €
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Fixed payment credit card

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Recommended

Revolving credit card

Apply

Gold revolving credit card

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Visa Platinum credit card

Apply

Works like hire purchase - useful for bigger purchases. Best choice for your purchases and occasional travels abroad. Travel insurance for the whole family traveling together. Our best travel insurance, unimited access to Priority Pass lounges.
Purchase insurance
Travel insurance Wide Exclusive
Priority Pass
Interest free period 0 days Up to 30 days Up to 40 days Up to 40 days
Repayment Fixed monthly payments Flexible Flexible Automatic/flexible
Monthly fee 0 1,30 (€0 for clients up to 25 y.o) 4,96 12,90
Annual interest form 19% 19% 17% 14%

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The information (in the table/above) may be different from the terms offered to you.

  • Bicycle was stolen.
  • Child broke his winter parka in kindergarten.
  • Glasses were broken.
  • Computer was damaged.
  • Skis were broken.
  • Surfing equipment was damaged.
  • And many more.

Purchase insurance terms and conditions

  • Purchase insurance applies to goods purchased with credit card at stores and online.
  • It compensates expenses on repair or replacement of durable goods* in case of theft, damage or destruction even if it was done unintentionally by the card holder himself.
  • It applies to most purchases inlc. clothing, sports equipment, tech gadgets etc. for 180 days from the day of the purchase.
  • To claim you need to have purchase document or payment information.

*Durable goods are items with a lifespan of at least 3 years. The lifespan of a product is determined by the manufacturer.

Sums insured are determined for each insured item, insured event and calendar year.

  • 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, jewelry (incl. precious stones, precious metals and pearls); items made of fur.

  • Many expenses related with unwanted travel changes (flight cancellations, delays, travel interruption etc.).
  • Lost or stolen luggage.
  • Injuries while traveling (incl. skiing, swimming pool accidents etc.).
  • Need of legal assistance.
  • Trip cancellation due to illness.
  • And other situations.
  • Travel insurance will keep you safe from unwanted worries and, most importantly, from unexpected expenses when enjoying your holidays.
  • Travel insurance applies for the cardholder and together travelling his / her family at no extra charge.
  • If you travel with your family just once a year, the travel insurance with Credit Card will pay off.

Important information regard to the virus COVID-19

  • Sickness and travel disruption because of COVID-19 as well as travel restriction due to acts of authorities are not covered by travel Insurance.
  • Pandemic is not over and restrictions in countries can be reset unexpectedly.

Gold revolving credit card

Visa Platinum credit card

Credit card fees The monthly fee is €4.96 (€59.52 per year), including free travel insurance The monthly fee is €12.90 (€154.8 per year), including free travel insurance
Insured persons Entire family Entire family
Insurance cover Sum insured per insured person (€) Sum insured per insured person (€)
Medical assistance (cost) 500,000 EUR 500,000 EUR
Insurance cover Sum insured per credit card (€) Sum insured per credit card (€)
Personal belongings (damage, theft) 1,000 EUR 2,500 EUR
Travel route/schedule change 2,000 EUR 5,000 EUR
Flight ticket change 150 EUR 150 EUR
Flight delay (over 4 hours) 150 EUR 500 EUR
Flight delay (over 24 hours) 300 EUR 500 EUR
Luggage delay (4 hours) 300 EUR 1,000 EUR
Liability insurance 10,000 EUR 20,000 EUR
Legal assistance 1,000 EUR 10,000 EUR
Bail 3,000 EUR 5,000 EUR
Rental car CASCO 40,000 EUR (excess 250 EUR)
Excess 30 EUR* No excess.
Coverage Insurance cover applies automatically**.
Validity Valid until the end of credit card agreement during trips of up to three months.
Terms Travel insurance conditions Travel insurance conditions

*Excess applies to insured events related to property insurance, travel itinerary changes and liability and legal assistance insurance.
**The insurance cover enters into Forde since the moment when the card agreement is concluded and remains in force as long as the card agreement continues in force.

 

Effective as of 09.03.2020
Revolving credit card When paying for goods or services with the private person’s Revolving credit card, the bank shall not calculate interest as from making the transaction with the respective card until the last day (incl.) of the same month, after the aforementioned period, the bank shall begin calculating interest. Upon making a payment and withdrawing cash from the limit account, the bank shall begin calculating Interest immediately, unless the amount of the aforementioned transactions remains within the positive balance of the limit account.
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 (currently 0.022% a day, 8.00% a year) 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.
Fixed payment credit card
annual interest rate 19-22%
penalty ECB interest rate + 8% a year (currently 0.022% a day, 8.00% a year) 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.
debt notice 3 €
Gold Revolving credit card When paying for goods or services with the private person’s Gold Revolving credit card, the bank shall not calculate interest as from making the transaction with the respective card until the 10th calendar day (incl.) of the following month, after the aforementioned period, the bank shall begin calculating interest. Upon making a payment and withdrawing cash from the limit account, the bank shall begin calculating interest immediately, unless the amount of the aforementioned transactions remains within the positive balance of the limit account.
monthly fee 4,96 €
monthly fee of an additional card 3,36 €
annual interest rate 17-20%
penalty ECB interest rate + 8% a year (currently 0.022% a day, 8.00% a year) 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.
debt notice 3 €
Visa Platinum credit card 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). Upon making a payment and withdrawing cash from the limit account, the bank shall begin calculating interest immediately, unless the amount of the aforementioned transactions remains within the positive balance of the limit account.
monthly fee 12,90 €
monthly fee of an additional card 10,90 €
Visa Platinum extra package 160,20 € a year 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.
The price is inclusive of VAT at the rate of 20%.
annual interest rate 14-17%
penalty ECB interest rate + 8% a year (currently 0.022% a day, 8.00% a year) 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.
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 28 € per visitor
for persons accompanying Visa Platinum cardholder 28 € per visitor

General service and transaction fees

Card opening fee
opening a card at branch 2,50 €
opening a card in Internet Bank 1,50 €
Payment in a commercial enterprise free of charge
Cash withdrawal 1,92 € + 2.5% of the amount
Transfer from credit card limit account according to regular bank transfers pricelist
Replacement of a card 7 €
Statement of transactions
in last month free of charge
a previous month 4 € per month
Amendment of a credit card agreement 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.
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
Closure of a credit card free of charge
Penalty for using a closed card 65 €
Copy of a receipt (inquiry)
a transaction in Estonia 4 €
a transaction abroad 8 €
Balance inquiry and statement in Swedbank’s terminals in Estonia free of charge
Balance inquiry in other bank’s terminals in Estonia and abroad 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. 0,32 € per query
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)
Emergency cash assistance in abroad in Western Union service points If the ordered service is canceled, the bank will not refund the service fee. 40 €
Sending a card from one branch to another The price is inclusive of VAT at the rate of 20%. 2,50 €
Sending a card by mail
mail (Estonia) free of charge
Conversion fee for transactions in foreign currencies Added to the amount of every transaction made with the card if the card transaction is in a currency other than the euro.
VISA or MasterCard 1% of transaction amount
Renewal of primary and additional card free of charge
Retrieval of bank cards from other banks from Swedbank ATMs 30 €

If you have lost your card or it is stolen, please block your card easily in our Mobile Bank or call us on (+372) 6 310 310.

In case you are abroad and you cannot contact us, call:

  • MasterCard helpline in abroad +1 636 722 7111 (chargeable number) or In-Country Telephone Numbers (free of charge).
  • Visa card helpline in abroad +1 410 581 3836 (chargeable number) or Country toll-free numbers (free of charge).

We want to make online shopping safer for you. That’s why the internet shopping option must be activated in case of each MasterCard and Visa cards that have been issued by Swedbank and are used to make purchases online. Read more about internet shopping.

  • You can protect your money by choosing usage limits what´s suits to you. You can set separate limits for purchase, cash and payment transactions.
  • You can also increase your limits temporarily if necessary.
  • Make sure you always know where your bank card is. If you pay by card, do not let the person serving you take it to a back room on their own.
  • If you lose your card, immediately block it in the Mobile Bank or call the Consultation Centre and ask them to close it.
  • Never send your card number by post or give it on the telephone when making a purchase.
  • Make sure you only use secure websites when buying goods or services on the Internet. Before entering you card number, find out if any of your friends has ordered anything from the website and whether there were any problems.
  • Be careful when using the ATMs of other banks. Some ATMs return your card before dispensing the money. Make sure you have your bank card and the requested amount of cash before you leave the ATM.
  • When you get your bank card, you will also receive a PIN that is known only to you.
  • Do not tell or show it to anyone.
  • Memorise it, do not write your PIN on the card or anywhere else where it can be seen by others.
  • Do not tell your PIN to anyone, not even to bank employees.
  • Try to enter your PIN so that no one else can see it.
  • If you suspect that your PIN has become known to someone else or if the bank has notified you of the need to change your PIN, you must change it immediately. You can do so at any Swedbank ATM.

Card for your everyday usage.

Insure your credit card repayments and get financial safety in case you unexpectedly fall ill or loose your job.

Card related questions and card claims

Insurance related questions and claims

  • 888 1513
  • Insurance is provided by Swedbank P&C insurance AS.

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