Navigate to main page content
Become a customer

All credit cards

Swedbank Credit Card features and benefits compared

Credit card comparison

The information in the table may be different from the terms offered to you.

Borrow responsibly by fairly assessing your loan repayment capabilities.

Representative example of loan expenses: a customer signs an agreement for a credit card with a EUR 500 limit, the issuing fee is EUR 2, the applicable interest rate is 21%. The annual interest calculated for the customer is 32.33% and the total amount to be repaid will be EUR 576.61 (calculated on the assumption that the credit is used immediately and in full, and is repaid within one year in equal monthly payments).

  • Bicycle got stolen
  • Child tore their winter parka in kindergarten
  • Glasses got broken
  • Computer got damaged
  • Skis got broken
  • Surfing equipment got damaged
  • And many more

document Purchase Insurance Terms and Conditions

document Purchase Insurance for Swedbank Credit Card Holder IPID

  • 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 of purchase.
  • To file insurance claim, you need to present the 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 1000 EUR
  • One insured event 2000 EUR
  • One year 4000 EUR
  • Special group of Insured Items 400 EUR*
  • Excess per insured event is 30 EUR

* Computers, computer parts and external devices; mobile phones; glasses, incl. sunglasses; watches; unique items, jewellery (incl. precious stones, precious metals and pearls); items made of fur.

 In case of medical assistance and travel or transport disruptions, Covid-19 is treated in the same way as other diseases not listed as exceptions in the Terms and Conditions of Travel Insurance.
  • Many expenses connected with unwanted travel changes (flight cancellations, delays, travel interruption etc.).
  • The limit for medical assistance per insured person is now 750,000 EUR.
  • Lost or stolen luggage.
  • Injuries while traveling (incl. skiing, swimming pool accidents etc.).
  • Need for 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 while enjoying your holidays.
  • Travel insurance is in force for the cardholder and their family* travelling together with the cardholder at no extra charge.
  • Travel insurance is valid if you have an active credit card during your travel, even if you’ve purchased the trip with other card and before taking out the credit card.
  • If you travel with your family even just once a year, the travel insurance with credit card will pay off.

* Travel insurance is valid for family members which travel together with you and covers your spouse, partner, children and grandchildren (up to 17 years of age (inclusive) or, if full-time student and single, then up to 21 years of age (inclusive)).

Gold Credit Card

Platinum Credit Card
Credit card fees The monthly fee is EUR 5, including free travel insurance The monthly fee is EUR 17, including free travel insurance
Insured persons Entire family travelling together Entire family travelling together
Insured risk Sum insured per one person insured up to (EUR) Sum insured per one person insured up to (EUR)
Medical assistance (cost) 750 000 EUR 750 000 EUR
Insured risk Sum insured/limit per one credit card up to (EUR) Sum insured/limit per one credit card up to (EUR)
Personal belongings (damage, theft) 1000 EUR 2500 EUR
Travel itinerary / schedule change 2000 EUR 3500 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 1000 EUR
Liability insurance 10 000 EUR 20 000 EUR
Legal assistance 1000 EUR 10 000 EUR
Bail 3000 EUR 5000 EUR
Rental car CASCO 40 000 EUR (deductible 250 EUR)
Deductible 30 EUR* No deductible
Coverage Insurance cover applies automatically**.
Validity Valid until the expiration date of the credit card agreement for the first 3 months of the trip.
Terms

* Excess applies to insured events related to property insurance, travel itinerary changes and liability and legal assistance insurance.

** The insurance cover enters into force from the moment when the credit card agreement is concluded and remains in force as long as the credit card agreement continues in force.
Card ordered on a business day: Time and place of receipt
Spice or Ķīpsala branch Other branches or card delivery to an address
by 12.30 Within 5 hours On next business day
by 12.30 On next business day On business day after the next
Service Price, EUR
Receiving
Ordering the card Easier via Internet Banking Free of charge The card delivery method can be selected via Internet Banking.
Card production and delivery Best value by post 2.00-4.00 By post in Latvia - 2.00
At branches - 4.00 		The fee is debited automatically after activation of the card. The fee for a card produced after expiry of the previous card's validity period is payable by the customer in the last month of the validity period of the previous card or after activation of the card.
Accelerated production and delivery of card options 35.00 Accelerated production and delivery of cards can be ordered at a branch or by calling us on 67 444 444. The card can be collected at our branches or at a delivery address specified by the customer to the bank after the decision is made if the credit limit for the credit card has not yet been approved. Part of this fee (a minimum of 20 EUR) is transferred by the bank to third parties for the card delivery service.
Using
Monthly fee 1.70 The fee is debited from the account linked to the credit card on the monthly payment date set in the agreement. The fee is debited automatically for each month when the card has been in customer’s use. From 01.09.2022, the credit card’s monthly fee ‒ 1.70 EUR.
Purchases in Latvia and abroad Free of charge
Currency exchange mark-up 2% The fee is charged if the transaction (purchase or cash withdrawal) is made in a currency other than the card currency. Information about current exchange rates is available on the websites of the international card organizations www.mastercard.com and www.visaeurope.com
A transfer from the credit card account See Payments Fees for transfers from the credit card account are identical to those for payments from the current account.
Cash transactions See Cash transactions in ATMs and retail outlets
Purchase Insurance Free of charge More about Purchase Insurance.
Interest-free period Until end of the current month The interest-free period applies to card purchases only. The interest-free period does not apply to cash withdrawals and transfers.
Interest rate per annum on amount outstanding From 20% The interest rate is set individually and depends on the customer’s credit history, amount of loan obligations, and transfers of regular income to their account with Swedbank.
Exceeding the credit limit and using the credit limit not repaid on time 0.167% of the exceeded amount per day
Early partial repayment of credit Easier via Internet Banking Free of charge
Changes in the credit card agreement Free of charge
Balance in ATMs
In Swedbank ATMs in Latvia Free of charge
- In ATMs of other banks 0.40
Printout of last 5 transactions in Swedbank ATMs in Latvia 0.20
Emergency cash assistance in Western Union service points 42.00 In cases of loss or blocking of the card.
Claim processing Free of charge Cards can be easily and quickly suspended in the mobile app, and will be closed automatically within 10 days.
Closing
Closing the card Easier Internet Banking and the mobile app Free of charge Cards can be easily and quickly suspended in the mobile app, and will be closed automatically within 10 days.

Effective from 01.09.2022.
Service Price, EUR
Receiving
Ordering the card Easier via Internet Banking Free of charge The card delivery method can be selected via Internet Banking.
Card production and delivery Best value by post 2.00-4.00 By post in Latvia - 2.00
At branches - 4.00 		The fee is debited automatically after activation of the card. The fee for a card produced after expiry of the previous card's validity period is payable by the customer in the last month of the validity period of the previous card or after activation of the card.
Accelerated production and delivery of card options 35.00 Accelerated production and delivery of cards can be ordered at a branch or by calling us on 67 444 444. The card can be collected at our branches or at a delivery address specified by the customer to the bank after the decision is made if the credit limit for the credit card has not yet been approved. Part of this fee (a minimum of 20 EUR) is transferred by the bank to third parties for the card delivery service.
Using
Monthly fee 5.00 The fee is debited from the account linked to the credit card on the monthly payment date set in the agreement. The fee is debited automatically for each month when the card has been in customer’s use.
Purchases in Latvia and abroad Free of charge
Currency exchange mark-up 2% The fee is charged if the transaction (purchase or cash withdrawal) is made in a currency other than the card currency. Information about current exchange rates is available on the websites of the international card organizations www.mastercard.com and www.visaeurope.com
A transfer from the credit card account See Payments Fees for transfers from the credit card account are identical to those for payments from the current account.
Cash transactions See Cash transactions in ATMs and retail outlets
Purchase Insurance Free of charge More about Purchase Insurance.
Travel Insurance Free of charge More about Travel Insurance.
Interest-free period Until following month's 10. date The interest-free period applies to card purchases only. The interest-free period does not apply to cash withdrawals and transfers.
Interest rate per annum on amount outstanding From 16% The interest rate is set individually and depends on the customer’s credit history, amount of loan obligations, and transfers of regular income to their account with Swedbank.
Exceeding the credit limit and using the credit limit not repaid on time 0.167% of the exceeded amount per day Excess and overdue penalty.
Early partial repayment of credit Easier via Internet Banking Free of charge
Changes in the credit card agreement Free of charge
Balance in ATMs
In Swedbank ATMs in Latvia Free of charge
- In ATMs of other banks 0,40
Printout of last 5 transactions in Swedbank ATMs in Latvia 0.20
Emergency cash assistance in Western Union service points 42.00 In cases of loss or blocking of the card.
Claim processing Free of charge If processing of the claim involves obtaining documentary proof of transactions, then a fee will be charged to the amount of the actual cost of the service.
Closing
Closing the card Easier Internet Banking and the mobile app Free of charge Cards can be easily and quickly suspended in the mobile app, and will be closed automatically within 10 days.

Effective from 01.10.2021.
Service Price, EUR
Receiving
Ordering the card Easier via Internet Banking Free of charge The card delivery method can be selected via Internet Banking.
Card production and delivery Best value by post 2.00-4.00 By post in Latvia - 2.00
At branches - 4.00 		The fee is debited automatically after activation of the card. The fee for a card produced after expiry of the previous card's validity period is payable by the customer in the last month of the validity period of the previous card or after activation of the card.
Accelerated production and delivery of card options 35.00 Accelerated production and delivery of cards can be ordered at a branch or by calling us on 67 444 444. The card can be collected at our branches or at a delivery address specified by the customer to the bank after the decision is made if the credit limit for the credit card has not yet been approved. Part of this fee (a minimum of 20 EUR) is transferred by the bank to third parties for the card delivery service.
Using
Monthly fee 17 The fee is debited from the account linked to the credit card on the monthly payment date set in the agreement. The fee is debited automatically for each month when the card has been in customer’s use.
Purchases in Latvia and abroad Free of charge
Currency exchange mark-up 0% The fee is charged if the transaction (purchase or cash withdrawal) is made in a currency other than the card currency. Information about current exchange rates is available on the websites of the international card organizations www.mastercard.com and www.visaeurope.com
A transfer from the credit card account See Payments Fees for transfers from the credit card account are identical to those for payments from the current account.
Cash transactions See Cash transactions in ATMs and retail outlets
Purchase Insurance Free of charge More about Purchase Insurance.
Travel Insurance Free of charge More about Travel Insurance.
LoungeKey
- Program membership fee Free of charge The LoungeKey unlocks access to special lounges at over 1000 airports worldwide. Find out more on LoungeKey.com or the mobile app.
- Platinum Extra Package annual fee 171 EUR (incl. PVN) The Platinum Credit Card’s Extra Package allows the credit card holder to have 20 free airport lounge visits per calendar year. The annual fee is debited from the current account linked to the credit card.
Interest-free period Until following month's 20. date The interest-free period applies to card purchases only. The interest-free period does not apply to cash withdrawals and transfers.
Interest rate per annum on amount outstanding From 14% The interest rate is set individually and depends on the customer’s credit history, amount of loan obligations, and transfers of regular income to their account with Swedbank.
Exceeding the credit limit and using the credit limit not repaid on time 0.167% of the exceeded amount per day Excess and overdue penalty.
Early partial repayment of credit Easier via Internet Banking Free of charge
Changes in the credit card agreement Free of charge
Balance in ATMs
- In Swedbank ATMs in Latvia Free of charge
- In ATMs of other banks 0.40
Printout of last 5 transactions in Swedbank ATMs in Latvia 0.20
Emergency cash assistance in Western Union service points 42.00 In cases of loss or blocking of the card.
Claim processing Free of charge If processing of the claim involves obtaining documentary proof of transactions, then a fee will be charged to the amount of the actual cost of the service.
Closing
Closing the card Easier Internet Banking and the mobile app Free of charge Cards can be easily and quickly suspended in the mobile app, and will be closed automatically within 10 days.

Effective from 09.07.2020.

If you have lost your card or it is stolen, please block your card easily in our Internet Bank, Swedbank app or call +371 67 444 444.

  • 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.
  • Before you make a purchase online, make sure the store is safe.
  • Try to find out more information about merchant. Every website should have information about the name and location of the company and an e-mail address and telephone number to use, should you have any problems. There should also be information about deliveries and returns, the procedure for submitting complaints as well as warranty terms and conditions. Don’t fall for discounts that seem to be too unrealistic.
  • Use a welcome text in the Internet shopping programme that is as personalised as possible. Every time you make a purchase online, ensure that the welcome text is the same as the one you set when you signed up to the programme.
  • If you only rarely make purchases online using your bank card, we advise you to activate the Internet shopping option only for the moment of making the purchase.
  • In case of renewed or replaced card the linkage to the selected e-wallets and various service providers will be retained when you activate your new card.
  • You can protect your money by choosing usage limits that suit you. You can set separate limits for purchases, cash and payment transactions.
  • You can change Usage Limits in Internet bank under My Cards or in the Swedbank app.
  • 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, because your card data can be stolen.
  • If your card has been lost, block it immediately in our app or internet banking site. If you blocked your card in the app or the internet banking site, you can unblock it or order a replacement card within 10 days from blocking your card.
  • It is not recommended, to send your card number by post or give it on the telephone when making a purchase, because your card data could be used for fraudulent transactions, but if there are no other possibilities, please, be extra careful.
  • 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.
  • Only the person whose name appears on the card, may use the card. Do not let anyone, even a close person, to use your card.
  • Always check the transaction amount that you are approving with the card.
  • Follow up your card transactions regularly in your internet bank or in the Swedbank app. If any transaction seems suspicious, please contact the bank.
  • 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.
  • Memorize it, do not write your PIN on the card or anywhere else where it can be seen by others.
  • New! You can check your card’s PIN code in the Swedbank app. It’s secure, easy and will help you in case you forget your PIN code.
  • Try to enter your PIN so that no one else can see it, because your card could be stolen and used by somebody else. If the payment with a stolen card is confirmed with the PIN, it is the customer’s liability.
  • 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.
  • When selecting your PIN, do not re-use your old PIN. Do not use identical codes for different cards for the purpose of memorising them.

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.
  1. Pay digitally. It helps you track your expenses, set the limits for certain expense categories, and identify where you can manage your consumption habits.
  2. 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.
  3. 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.


{ "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

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

Cash payments

  • 0
  • 0

If you paid by card, you could save

  • 0
  • 0

Source: Lindgreen, E.R., van Schendel, M., Jonker, N. et al. (2018); Hanegraaf, R., Larçin, A., Jonker, N. et al (2020)
  • When does purchase insurance apply?
    Purchase insurance applies from the day of purchase and is valid for 180 days. The purchase must be made with a credit card or by payment order from the credit limit account.
  • How long is purchase insurance valid?
    Purchase insurance is valid for 180 days.
  • Where can I check the purchase insurance covers?
    Purchase insurance comes with all types of Swedbank credit cards. You can check the terms and conditions of purchase insurance and the covers in on the Internet Banking site by selecting the card type description.
  • What purchases are covered by purchase insurance?
    Purchase insurance is valid for the majority of items purchased for personal or family needs, including clothes, footwear, furniture, toys and household goods. Further information about validity of insurance covers is available in the insurance terms and conditions published on the Internet Banking site.

Fixed Payment Credit Card
  • New cards no longer issued to customers from 21.04.2022.
  • Read more

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 any additional fee.

Under the Travel disruption cover of the supplementary Covid-19 insurance we will compensate trip cancellation costs if, prior to the start of your trip, you have contracted Covid-19 or been identified as a close contact person of someone who is in isolation or quarantine in accordance with the nationally stipulated procedure.

The supplementary insurance is valid while abroad, if your insurance covers Medical assistance and/or Travel disruption risks, and any of the following preconditions apply:

  • You have received a negative SARS-CoV-2 RNS or antigen test result within 72 hours prior to the start of the trip. In this case the supplementary insurance is valid for 30 days.
  • You have been infected with Covid-19 within the last 6 months and you have fully recovered.
  • You have a certificate of full vaccination against Covid-19.

For example, we will compensate medical expenses related to treating Covid-19 abroad, cost of accommodation and additional transport costs if you are not allowed to travel by public transport due to Covid-19 symptoms.

Damages incurred due to travel disruptions or trip cancellation caused by actions or decisions of national authorities, including decisions related to the pandemic (such as closing borders, requiring compulsory self-isolation by persons arriving to the country) shall not be compensated.

Carefully consider the need to go abroad.

Read more

Make daily payments quickly and easily, shop online and add to your savings with every card purchase.

Insure yourself against a sudden illness or unemployment in the amount of credit card liabilities.

Card related questions and card claims

Insurance related questions and claims

  • phone+371 67 444 449
  • Insurance is provided by Swedbank P&C Insurance AS Latvian branch.

Make insurance claim
Swedbank logo

Jūsu Internet Explorer pārlūkprogramma netiek atbalstīta.

Lūdzu izmantot Google Chrome, Mozilla Firefox vai Microsoft Edge pārlūkprogrammu.

Google ChromeMozilla FirefoxMicrosoft Edge

Ar 23.03.2021. Swedbank internetbanka vairs nav pieejama, izmantojot Internet Explorer tīmekļa pārlūkprogrammu.

Tāpat nav iespējams apstiprināt Swedbank maksājumus citās vietnēs, kā arī izmantot Swedbank autentifikāciju, piemēram, latvija.lv.

Turpmāk iesakām izmantot Google Chrome, Mozilla Firefox vai jaunāko Microsoft Edge versiju. Uzziniet, kā uz sava datora uzstādīt kādu no minētajām pārlūkprogrammām, šeit.

С 23.03.2021 Интернет-банк Swedbank недоступен в браузере Internet Explorer.

С помощью Internet Explorer невозможно авторизоваться или осуществлять платежи через Swedbank на сторонних веб-страницах.

Вместо браузера Internet Explorer мы рекомендуем использовать браузеры Google Chrome, Mozilla Firefox или Microsoft Edge. Инструкции по установке упомянутых браузеров можно найти здесь.

From 23.03.2021 Swedbank Internet Bank and Banklink is no longer available using Internet Explorer browser.

It is not possible to authorize or make payments from Swedbank on other web pages using Internet Explorer.

Instead, we suggest using Google Chrome, Mozilla Firefox or the newest version of Microsoft Edge. To find out how to install the suggested browsers, please click here.

Klientu serviss - Инфо и помощь - Customer service: +371 67 444 444

Swedbank
  • Jūsu ierīces operētājsistēma un pārlūkprogramma ir novecojusi un netiek atbalstīta Swedbank internetbankas lietošanai. Aicinām vērsties pie Jums uzticama IT atbalsta, lai saņemtu konsultāciju un veiktu atbilstošu operētājsistēmas un pārlūkprogrammas atjauninājumu.
  • The operating system of your device & your browser are too outdated to be supported by Swedbank Internet Bank. Please, update the operating system & browser or turn to IT specialist for technical help.
  • Ваш браузер или операционная система недостаточно современны для использования в интернет банке Swedbank. Пожалуйста обновите операционную систему и браузер или обратитесь за технической помощью к ИТ специалисту.

You have been logged out from Internet bank

For extra security close the browser window. If you wish to continue using Internet bank, please log in again.

Travel safely

Gold Credit Card with travel insurance

Choose a credit card with extensive travel insurance for the whole family when travelling during holidays.

Contacts

“Swedbank” AS
Balasta dambis 15, Riga,
LV-1048, Latvia
BIC/S.W.I.F.T.: HABALV22
Reg. number: 40003074764

Useful links

Legal information

Customer programmes

This is Internet Banking site of companies offering financial services - "Swedbank" AS, "Swedbank Līzings" SIA, "Swedbank Atklātais Pensiju Fonds" AS, "Swedbank Ieguldījumu Pārvaldes Sabiedrība" AS, "Swedbank P&C Insurance" AS Latvia branch, "Swedbank Life Insurance" SE Latvia branch. Before signing any agreement read the terms and conditions of the respective service.