Gold revolving credit card

For your shopping, traveling and everyday needs

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.

It only takes 2 minutes to fill in the application.

Access credit limit before card arrives.

Manage your card easily in the mobile app.

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.

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, Fitbit Pay and mobile contactless payments for Android smartphone users.
Choose to receive your card by post for free.
Activate internet shopping option.

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 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.

Debit cards

Effective as of 01.07.2022

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	1,28 €
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	5 €
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

Credit cards

Effective as of 01.11.2023

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 0,033% a day, 12,00% a year) ECB interest rate + 8% a year (currently 0,034% a day, 12,50% 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 0,033% a day, 12,00% a year) ECB interest rate + 8% a year (currently 0,034% a day, 12,50% 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 0,033% a day, 12,00% a year) ECB interest rate + 8% a year (currently 0,034% a day, 12,50% 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 0,033% a day, 12,00% a year) ECB interest rate + 8% a year (currently 0,034% a day, 12,50% 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

Card transactions

Effective as of 01.11.2023

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
Making payments in ATMs and payment terminals using debit cards
Intra-bank payment	0,16 € (free of charge for people over 65 years of age (incl.)) This also applies to clients who were at least 60 years old on 1 September 2015 and held a current account.
Domestic payment	0,38 €
Retrieval of bank cards from other banks from Swedbank ATMs	30 €

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

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.

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.

document 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 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 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.

Please be aware that in case of medical assistance and trip interruption we consider the COVID-19 disease equally to other diseases which are not excluded in terms and conditions of travel Insurance.

Many expenses related with unwanted travel changes (flight cancellations, delays, travel interruption etc.).
The limit for medical assistance per insured person is now 750,000 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.

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.
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 up to 21 years old (incl.) full-time student and are not married.

	Gold revolving credit card	Platinum credit card
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	Entire family	Entire family
Insurance cover	Sum insured per insured person (€)	Sum insured per insured person (€)
Medical assistance (cost)	750,000 EUR	750,000 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	document Travel insurance conditions	document 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.

Using cash not only brings environmental issues but also may support the shadow economy. By moving from cash to digital payments, we can protect our planet, remove the anonymity of transactions, and even more - save time spent managing money.

Pay digitally. It helps you track your expenses, set the limits for certain expense categories, and identify where you can manage your consumption habits.
Be aware of non-recyclable receipts. Paper receipts are made from non-recyclable thermal paper. When paying by card, ask for a paperless receipt which you can receive online by e-mail.
Contactless payments are clean and hygienic. By using contactless payments, you can reduce the physical contact between different people who are exchanging banknotes or touching the ATM.

The total volume of card payments in the Baltics increased by 45% during the last 6 years. Paying by card is hygienic, quick and flexible - use contactless or chip and PIN transactions.

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Source: Swedbank

Measure your cash payments’ CO₂ footprint and see how many trees are needed to absorb the emissions created per year.

Cash payments

Yearly CO₂ footprint
0
Trees required to absorb CO₂
0

If you paid by card, you could save

CO₂ emissions (kg)
0
Trees
0

Source: Lindgreen, E.R., van Schendel, M., Jonker, N. et al. (2018); Hanegraaf, R., Larçin, A., Jonker, N. et al (2020)

Take care of your safety with Travel insurance which now includes Covid-19 insurance cover

For trips taking place starting from 6 May 2021 we're offering a Travel Insurance Covid-19 cover without an additional fee. The Covid-19 insurance cover is automatically valid while aboard if any of the preconditions apply:

Negative Covid-19 test result within 72 hours prior to the start of the trip. In this case the supplementary insurance is valid for 30 days.
Confirmation that you have been infected with Covid-19 within the last 6 months and you are recovered.
Full vaccination certificate.

Preconditions apply to children starting from age of 12.

Preconditions are not needed if trip is cancelled due to Covid-19 sickness or self-isolation before the trip.

For example, we will compensate Covid-19 related medical expenses abroad, travel disruption costs if you are not allowed to enter to public transport due to Covid-19 symptoms and travel cancellation costs if you have received a positive coronavirus test or you are a close contact person.

Travel disruption caused by authorities (e.g. closed borders, lockdowns) is not covered even in case of pandemic/epidemic.

Carefully consider the need to go abroad.

Best choice for your purchases and occasional travels abroad.

Swedbank's best travel insurance, unlimited access to Priority Pass airport lounges and rental car insurance.

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

phone888 1513
Insurance is provided by Swedbank P&C insurance AS.

Report damage

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