Revolving credit card

Mobile app with Swedbank Credit Card displayed on phone screen

For shopping with confidence

180-day purchase insurance
30-days interest-free period
Credit limit from 300 EUR

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 300 EUR
180-day purchases insurance is valid for most items purchased with credit card payment or by transfer from a credit card account.
Book and pay for hotels and use car rental services.
Up to 30-day interest-free period for used credit card limit.
Discounts.
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 up to 30-days if you repay the amount of the credit limit you have used by the last day of the 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

Card’s monthly fee is 1,59 EUR (free of charge for people up to 25 years of age).
Interest rate from 19% 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 7-10 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.

Campaign

MySushi

On Mondays tempura maki – 30%

–30%

Tempura maki

Until 07.07.2025

Kalev Spa

Water Park passes at a special price

Special offer

Until 31.12.2025

Campaign

Apollo Cinema

50% off tickets on Tuesdays

–50%

Cinema tickets

Campaign

airBaltic

Special flight offer

Special offer

Until 31.08.2025

Campaign

Zalando

15% off regular-priced products

–15%

Products

Until 31.05.2025

Campaign

Tapster

40% off all products

–40%

Products

Until 31.12.2025

Youth

Lux Express

Bus tickets –30%

–30%

Bus tickets

Until 31.12.2025

Campaign

Swedbank Tallinn Marathon

Participation fees 25% off

–25%

Sports

Until 31.08.2025

Wasa Resort Spa Hotel

Accommodation 20% off the daily price

–20%

Accommodation

Until 30.12.2025

ÖÖD Hötels

Accommodation in mirror cabins –10%

–10%

Accommodation

Until 31.12.2025

Aatrium Sisustuskaubamaja

Save 12% off all regular-priced products

–12%

Products

Until 31.12.2025

Vihula Manor

Accommodation 20% off the daily price

–20%

Accommodation

Until 30.12.2025

Youth

Blender

Two smoothies for the price of one

1 = 2

Smoothies

Youth

MyFitness

Free subscription, €13 off the monthly fee, and a gift

–13 €

Sports

Until 31.01.2026

Tuul e-scooters

E-scooter -10%

–10%

Rides

Until 31.12.2025

Tallink Tennis Centre

10% off the hourly rate of tennis and badminton courts

–10%

Теnnis

Until 30.06.2025

Tom Learns about Money

All products 30% off

–30%

Products

Until 30.09.2025

Campaign

Eesti Kontsert

Haapsalu White Nights Festival tickets 15% off

–15%

Concert tickets

Until 24.06.2025

Olerex

A 3 cent discount on every litre of fuel

–3 s/l

Fuel

Jazz Car Wash

Premium combo wash service for a Swedbank client, i.e. 15% discount on the purchase of three wash services at the Jazz Car Wash.

–15%

Wash service

Iittala products

All regularly priced Iittala products –25%

–25%

Iittala products

Until 31.12.2025

Espak e-shop

All products –20% off the regular price

–20%

Products

Until 30.06.2025

Magazine Edasi

Magazine subscription -20%

–20%

Magazine

Until 31.12.2025

Autoekspert

Regular-priced products and services 10% off.

–10%

Products and services

Arensburg Boutique Hotel & Spa

Accommodation 15% off the daily price

–15%

Accommodation

Until 31.05.2025

iDeal

Apple hero products 3% off

3% off

Products

Büroomaailm

Up to 10% discount.

–10%

Certain products

Vianor

All services –10%

–10%

Services

Automaailm

A 15% discount on products.

–15%

Products

Restoran Dominic

A 10% discount on the entire menu.

–10%

Rannahotell & Restoran

A 15% discount on accommodation and à la carte menu of the restaurant.

–15%

Accommodation

Marimo Fashion

Designer clothes 25% off.

–25%

Fashion

Candle Shop

All regular priced products –35%.

–35%

Products

Circle K

A 2.5 cent discount on every litre of fuel.

–2,5 s/l

Fuel

Alexela

A 2 cent discount on every litre of fuel.

–2 s/l

Fuel

Ühinenud Ajakirjad

Magazine subscription 55% off

–55%

Magazines

Until 31.12.2025

Campaign

Super Skypark

Super-ticket 30% off the regular price

–30%

Ticket

Until 30.06.2025

A cashless society supports a more sustainable future

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.

New! From now all newly issued Revolving credit cards are made of recycled plastic!

Tips to get you started

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.

Card payments are increasing every year

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.

{ "xAxis": { "visible": true, "categories": ["2012", "2013", "2014", "2015", "2016", "2017", "2018", "2019", "2020", "2021", "2022"] }, "yAxis": { "visible": true, "title": "" }, "legend": { "enabled": true }, "plotOptions": { "column": { "dataLabels": { "enabled": false } } } }

Source: Swedbank

Cash payments environmental impact

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

How many cash payments do you make per week?

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)

Insurance related questions and claims

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

Report damage

Not a customer yet?

Revolving credit card

For shopping 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

MySushi

Kalev Spa

Apollo Cinema

airBaltic

Zalando

Tapster

Lux Express

Swedbank Tallinn Marathon

Wasa Resort Spa Hotel

ÖÖD Hötels

Aatrium Sisustuskaubamaja

Vihula Manor

Blender

MyFitness

Tuul e-scooters

Tallink Tennis Centre

Tom Learns about Money

Eesti Kontsert

Olerex

Jazz Car Wash

Iittala products

Espak e-shop

Magazine Edasi

Autoekspert

Arensburg Boutique Hotel & Spa

iDeal

Büroomaailm

Vianor

Automaailm

Restoran Dominic

Rannahotell & Restoran

Marimo Fashion

Candle Shop

Circle K

Alexela

Ühinenud Ajakirjad

Super Skypark

A cashless society supports a more sustainable future

Tips to get you started

Card payments are increasing every year

Chart

Cash payments environmental impact

Cash payments

If you paid by card, you could save

Related products

Gold revolving credit card

Platinum credit card

Credit Cover

Card related questions and card claims

Insurance related questions and claims

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