Gold revolving credit card

Mobile app with Gold Credit Card displayed on phone screen

For shopping and travelling with confidence

180-day purchase insurance
40-days interest-free period
No commission fees for worldwide cash withdrawals up to 500 EUR per month.*
Travel insurance for you and your family.

*When withdrawing cash from another bank's ATM, a service fee may be added, which is determined by the ATM operator.

Note! The terms of travel insurance included with the Gold Credit Card will change on 1 April 2025. Review the new terms and conditions here.

It only takes 2 minutes to fill in the application.

Access credit limit before card arrives.

Manage your card easily in the mobile app.

Card benefits

Credit limit from 1000 EUR
Extensive worldwide travel insurance package for the cardholder and his family.
180-day purchases insurance is valid for most items purchased with credit card payment or by transfer from a credit card account.
Up to 40-days interest-free period for used credit card limit.
No commission fees for worldwide cash withdrawals up to 500 EUR per month.

When withdrawing cash from another bank's ATM, a service fee may be added, which is determined by the ATM operator.
Discounts.
Book and pay for hotels and use car rental services.
You can also take out extra cards for your family members. Each additional cardholder enjoys the same privileges as you.

Other features

Manage your credit card in Ibank and Swedbank app: block and unblock, manage limits and make repayments as you go.
New! Check your PIN code and card details in the app. Easily access the card number, expiry date, and Security Code/CVC2 for all your active cards and view your PIN code in case you have forget it.
Now in our mobile app you can see a list of places where your digitized card is linked to. Watch the tutorial
You can transfer money, make payments and withdraw cash at the ATM directly from your credit card account.
Pay for purchases by simply touching the card reader with your card. For purchases over 50 €, you need to enter your PIN.
Make your purchases easily with contactless payments - Apple Pay, Garmin Pay and mobile contactless payments for Android smartphone users.
Choose to receive your card by post for free.
Activate internet shopping option.

Repayment

When to pay back your used credit limit?

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.

Please notice!

Upon making a payment 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.
Upon 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. More details in the price list.

Main fees

Main card’s monthly fee is 5,99 EUR and supplementary card’s monthly fee – 3,99 EUR.
Interest rate from 17% per year. It is set for each customer individually and depends on the amount of credit card limit.

Terms and conditions

Debit cards

Effective as of 01.11.2024

Issuing the first debit card associated with a client Except ISIC MasterCard Student card.	free of charge
Issuing subsequent debit cards Except ISIC MasterCard Student card.	according to price list
Debit card Plus The debit card fee is not applicable to the customers who as of 01.08.2011 were at least 60 years old and had Maestro debit card.
Issuing a card	2.50 €
Monthly fee	1 €
monthly fee for up to 19-year old client (incl.)	free of charge
monthly fee for 20–25-year old client (incl.)	0.32 €
monthly fee for 65-and older clients (incl.)	0.32 €
A temporary ATM card (valid for 1 month)
Issuing a card	10 €
ISIC Mastercard Student card
Issuing a card	6.33 €
Replacement a card	6.33 €
Monthly fee	0.32 €
Renewal a card	6.33 €
Mastercard Private Banking Card
Issuing a card	2.50 €
Monthly fee	1.98 €
Renewal of debit cards	free of charge
Penalty	0.2% a day
Ordering an express card You can order an express card by calling 6 310 310 or at our branch. The card can be delivered by courier to your contact address or to the branch. Ordering a new card and replacing an existing card: If the card is ordered before 12 o'clock on a business day, it will arrive on the next business day. If the card is ordered after 12 o'clock on a business day, it will arrive on the following business day.	30 €

Credit cards

Effective as of 25.04.2024 Effective as of 01.01.2025

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	1.59 € (free of charge for people up to 25 years of age)
Monthly fee of an additional card	1.59 €
Annual interest rate	19-22%
Penalty	ECB interest rate + 8% a year (currently 0.034% a day, 12.25% a year) ECB interest rate + 8% a year (currently 0.031% a day, 11.15% 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 Fixed payment credit cards are not issued from 21.04.2022.
Annual interest rate	19-22%
Penalty	ECB interest rate + 8% a year (currently 0.034% a day, 12.25% a year) ECB interest rate + 8% a year (currently 0.031% a day, 11.15% 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	5.99 €
Monthly fee of an additional card	3.99 €
Annual interest rate	17-20%
Penalty	ECB interest rate + 8% a year (currently 0.034% a day, 12.25% a year) ECB interest rate + 8% a year (currently 0.031% a day, 11.15% 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 €
Platinum credit card When paying for goods or services with the 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	14.90 €
Monthly fee of an additional card	12.90 €
Platinum extra package	160.20 € a year If the period between ordering Platinum extra package and expiry of Platinum credit 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.
Annual interest rate	14-17%
Penalty	ECB interest rate + 8% a year (currently 0.034% a day, 12.25% a year) ECB interest rate + 8% a year (currently 0.031% a day, 11.15% 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.
Credit card opening fee	free of charge
Replacement of a credit card	7 €
Renewal of credit card (incl. additional cards)	free of charge
Ordering an express card You can order an express card by calling 6 310 310 or at our branch. The card can be delivered by courier to your contact address or to the branch. Ordering a new card and replacing an existing card: If the card is ordered before 12 o'clock on a business day, it will arrive on the next business day. If the card is ordered after 12 o'clock on a business day, it will arrive on the following business day. A prerequisite for ordering a new credit card as an express card is the presence of a positive credit decision.	30 €

Card transactions

Effective as of 24.10.2024

Depositing euros using a bank card in Swedbank terminal in Estonia You can deposit up to 5000 € per month in ATMs with your bank card and the limit is client-specific. This means that the limit applies across all the client’s accounts and cards.
Up to 5000 € per calendar month	free of charge
Cash withdrawal with debit cards issued by Swedbank from Swedbank Group ATMs in (including in Estonia, Latvia, Lithuania, Sweden) You can withdraw up to 7500 € per month from ATMs with your bank card and the limit is client-specific. This means that the limit applies across all the client’s accounts and cards. The fee will be charged on the amount withdrawn in excess of 2000 € in a calendar month.
Up to 2000 € per calendar month	free of charge
Over 2000 € per calendar month	0.3% of the amount exceeding 2000 €
Cash withdrawal with a debit card from other bank’s terminals in Estonia and abroad You can withdraw up to 7500 € per month from ATMs with your bank card and the limit is client-specific. This means that the limit applies across all the client’s accounts and cards. The service fee according to the operator’s price list may be added for the use of another operator’s ATM.	2 € + 2.5% of the amount
Cash withdrawal with credit cards (except for the revolving Gold credit card and Platinum credit card You can withdraw up to 7500 € per month from ATMs with your bank card and the limit is client-specific. This means that the limit applies across all the client’s accounts and cards. The service fee according to the operator’s price list may be added for the use of another operator’s ATM. Upon 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.	2 € + 2.5% of the amount
Cash withdrawal with revolving Gold credit card You can withdraw up to 7500 € per month from ATMs with your bank card and the limit is client-specific. This means that the limit applies across all the client’s accounts and cards. The service fee according to the operator’s price list may be added for the use of another operator’s ATM. Upon 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.
Up to 500 € per calendar month	free of charge
Over 500 € per calendar month	2.5% of the amount exceeding 500 €
Cash withdrawal with Platinum credit card You can withdraw up to 7500 € per month from ATMs with your bank card and the limit is client-specific. This means that the limit applies across all the client’s accounts and cards. The service fee according to the operator’s price list may be added for the use of another operator’s ATM. Upon 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.
Up to 1000 € per calendar month	free of charge
Over 1000 € per calendar month	2.5% of the amount exceeding 1000 €
Credit card statement from a branch
Previous month statement	free of charge
Earlier statements	4 € per month
Amendment of a credit card agreement
In a branch	10 € (excluding changing the user limits)
In digital channels	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.
With all cards (except Platinum credit card)	1% of transaction amount
With Platinum credit card	no currency exchange surcharge
Sending a card from one branch to another	2.50 €
Penalty for using a closed card	65 €
Demand for refund, unjustified
a transaction in Estonia	12 €
a transaction abroad In case disputing card transaction made abroad, additional costs of the card organizations may apply.	16 €
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 cards.	0.32 € per query
Transfer from credit card limit account	according to regular bank transfers pricelist
Retrieval of bank cards from other banks from Swedbank ATMs	30 €

Apply within six easy steps

Apply for the credit card in the Internet bank.
We will inform you about the decision by phone or via SMS.
Read the conditions, accept them and sign the agreement.
After signing the agreement you can immediately start using credit card limit.
Your card will arrive within 5-7 working days. When ordering abroad, it will arrive within 1-2 weeks.
When you receive your card, log into the Internet bank and activate it there. You can activate the card between 7 and 22 o'clock.

Income and obligations

Income

Your income must be at least 600 EUR (for Platinum 670 EUR) per month after tax.
You must be earning a steady income for at least 6 consecutive months and your probation period must be over.

Obligations

Monthly expenses for covering your credits must not exceed 40% of your monthly income.
You do not have outstanding credits in Swedbank or from other creditors or outstanding bills for different services.
Be ready to submit the official documents evidencing the receipt of the income if the expected source of repayment is not a salary/wages.

What does it apply for?

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

How does it work?

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 incl. clothing, sports equipment, tech gadgets etc. for 180 days from the day you received the goods.
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

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.

What does it apply for?

Many expenses related with unwanted travel changes (flight cancellations, delays, travel interruption etc.).
The limit for medical assistance per insured person is now 1,000,000 EUR.
Stolen or damaged baggage.
Injuries while traveling (incl. skiing, swimming pool accidents etc.).
Need of legal assistance.
Trip cancellation due to illness.
And other situations.

How does it work?

Travel insurance will keep you safe from unwanted worries and, most importantly, from unexpected expenses when enjoying your holidays.
The insurance applies free of charge to the cardholder as well as to the spouse/partner, minor children, and minor grandchildren traveling with them.*
The insurance cover is valid from the moment when the card agreement is concluded and remains in force until the card agreement is ended. In case of supplementary card, the agreement is concluded once the card has been activated.
If you travel with your family just once a year, the travel insurance with Credit Card will pay off.

* The insurance will cover the adult child or grandchild if they are they are up to 21 years of age (incl.) if they are a full-time pupil or student or have applied for full-time studies.

Find out injured risks and sums insured below

	Gold revolving credit card	Platinum credit card
Credit card fees
Credit card fees	The monthly fee is €5.99 (€71.88 per year), including free travel insurance	The monthly fee is €14.90 (€178.8 per year), including free travel insurance.
Insured persons
Insured persons	Entire family***	Entire family***
Insurance cover
Insurance cover	Sum insured per insured person (€)	Sum insured per insured person (€)
Medical assistance (cost)
Medical assistance (cost)	up to 1,000,000 EUR	up to 1,000,000 EUR
Insurance cover
Insurance cover	Sum insured per credit card (€)	Sum insured per credit card (€)
Personal belongings (damage, theft)
Personal belongings (damage, theft)	up to 1,000 EUR	up to 2,500 EUR
Travel route/schedule change
Travel route/schedule change	up to 2,000 EUR	up to 5,000 EUR
Flight delay (over 4 hours)
Flight delay (over 4 hours)	up to 300 EUR	up to 500 EUR
Luggage delay (4 hours)
Luggage delay (4 hours)	up to 300 EUR	up to 1,000 EUR
Liability insurance
Liability insurance	up to 10,000 EUR	up to 20,000 EUR
Legal assistance
Legal assistance	up to 1,000 EUR	up to 10,000 EUR
Bail
Bail	up to 3,000 EUR	up to 5,000 EUR
Rental car CASCO
Rental car CASCO		up to 40,000 EUR (excess 250 EUR)
Excess
Excess	50 EUR* (190 EUR for mobile phones, tablets, laptops)	No excess.
Coverage
Coverage	Insurance cover applies automatically**.
Validity
Validity	Valid until the end of credit card agreement during trips of up to three months.
Terms
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.

***The insurance applies free of charge to the cardholder as well as to the spouse, life partner sharing the same household, and their minor children and grandchildren while they are travelling with cardholder. The insurance will cover the adult child or grandchild if they are up to 21 years of age (incl.) if they are a full-time pupil or student or have applied for full-time studies.

What's an interest-free period?

An interest-free period means that you do not have to pay interest on purchases if you make them within a certain period and repay the amount drawn by the end of the interest-free period.

For example, no interest will be calculated if you repay the amount of the Gold credit card’s credit limit you have used during the last month by the 10th day of each month.

Please notice!

Upon making a payment 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.

How does a credit card differ from a debit card?

How does a credit card work?

Where can I see the card’s PIN and how can I change it?

You can check your card’s PIN code in the Swedbank app. To view your card’s PIN code in the app, log in and tap on the "Cards" section in the bottom menu. Choose your card and click "Card PIN". After tapping, confirm it with your chosen authentication method. The card’s PIN code is shown for 30 seconds. Do not show your PIN code to other people. You can change your PIN-code at Swedbank ATMs.

Is travel insurance included in the Gold Credit Card? Does it cover my family?

The Gold credit card has included travel insurance that protects the whole family from unexpected worries and expenses.

It applies to the cardholder as well as to the spouse/partner, minor children, and minor grandchildren traveling with them. The adult child or grandchild is covered if they are up to 21 years old (incl.) full-time student and are not married.

The insurance is valid if you have an active credit card agreement at the time of travel, even if you bought the trip with another card and before the credit card was taken out.

Insurance related questions and claims

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

Report damage

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Gold revolving credit card

For shopping and travelling with confidence

Card benefits

Other features

Repayment

Main fees

Terms and conditions

Debit cards

Credit cards

Card transactions

Apply within six easy steps

Income and obligations

Income

Obligations

What does it apply for?

How does it work?

Sums insured

What does it apply for?

How does it work?

Gold revolving credit card

Platinum credit card

Related products

Revolving credit card

Platinum credit card

Credit Cover

Card related questions and card claims

Insurance related questions and claims

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