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Business Gold Credit Card

Card with extra credit and secure travel for your company

   Comparison of bank cards

Information regarding potential risks

Improper fulfilment of your financial obligations increases your funding costs and can negatively affect your credit history. Moreover, if the agreement is terminated due to a material violation on your side, forced debt recovery may be launched and you may lose your ownership right to the pledged property.

Starting from 6 May 2021 we're offering for business trips Travel Insurance with Covid-19 cover at no additional charge for Business Gold Credit Card holder and 3 colleagues travelling with him/her.

  • Credit limit of EUR 300 – 32 000.
  • Up to 41-day interest-free period for the outstanding credit card limit when paying by card for purchases / services.
  • Transfer money and withdraw cash in ATMs directly from credit limit account.
    Note. For a credit transfer or cash withdraw interest is calculated from the moment of transaction.
  • An extensive travel insurance package, which applies to the card holder and 3 colleagues travelling with him/her.
  • Access to hundreds of airports lounges with LoungeKey™.
  • Boingo Wi-Fi for Mastercard® cardholders.
  • Unique Mastercard World Elite offers.
  • Several cards for employees can be ordered and linked to the same account to use one credit limit.
  • Contactless payments with card up to EUR 50 without PIN entry. For contactless payments abroad limits can differ from country to country.
  • Paying in online stores requires the card to be registered for secure internet shopping.
  • For contactless payments with smart devices a card can be added to supported e-wallets: Apple Pay, Google Pay™, Garmin Pay or Fitbit Pay solution, or Swedbank app.

NEW! Now in our mobile app you can see a list of places where your digitized card is linked to.

Watch the tutorial

New cards are issued with the default limits.

Individual usage limits and rights can be set and modified via Internet Bank and Mobile Bank for each cardholder:

  • Allow or disable various card transactions like payments (including contactless), withdrawals, deposits on the Internet Bank by a user having profile “All transactions and agreements” to a card account or company’s legal representative having the sole right of representation according to the commercial register.
  • Contactless functionality can be disabled or enabled on Internet bank also by a user having profile “All transactions” to the card account.
  • The card can only be issued to companies that have operated for at least six months.
  • When applying for a credit card, you must specify the desired credit limit, card holder, purchase and cash withdrawal limits.
  • Depending on the company’s turnover and credit history, the minimum credit limit is 300 € and the maximum 32 000 €.

Atkreipkite dėmesį, kad sprendimui dėl kredito limito priimti jums gali tekti pateikti papildomų dokumentų. Pavyzdžiui, paskutines metines finansines ataskaitas, jeigu jos nepateiktos Registrų centro sistemoje. Pateiktas balansas ir pelno (nuostolio) ataskaita turi būti ne senesnė nei 12 mėnesių.

In case of a positive financing decision card will be produced and delivered within 14 days.

  • By post to the company’s contact address. For security reasons, cards are sent by post inactive.
  • At any Swedbank branch of your choice. Card could picked-up in branch by legal representative as well as by card holder if the agreement is already signed by legal representative (for visiting the branch pre-registration via Internet bank or tel. 1633 is required).
  • Card will be automatically renewed if such order was given by client Renewing will be started on 28 th of month before the existing card expiry mont in accordance to card agreement conditions. You can change renewing status as well as the delivery method and address for a card via the Internet Bank not later than 35 days before the expiry date of existing card.
  • Renewed credit card will be delivered at least two weeks before the expiry of the old card to your company's contact address or a suitable Swedbank branch (for visiting the branch pre-registration via Internet bank or tel. 1633 is required).
  • Renewed cards will have their former PIN.

Order the card to your company's contact address

  • Sending the card by post is free of charge.
  • Make sure that your company's contact address is correct before ordering the card.
  • Your company's contact address changes automatically if you change the card delivery address.

New or renewed card delivered by post can be used only after agreement is signed and card activated. For more information check “Activation” part under “Card management” tab.

Business Gold Credit Card

Valid for Visa and Mastercard cards

Starting from 2020-09-24 Mastercard cards are ordered and issued

New Visa credit cards are not ordered and issued from 2020-09-24, and cards which expire or be lost/stolen will be renewed/replaced only to Mastercard credit card.
Name of service or transaction Fee, EUR / Limit
The card is valid for 3 years1
Card issuance fee2 EUR 15 (as well applied for renewed card issuance)
Monthly card administration fee3 EUR 10
Replacement of card in case it is lost or damaged. Change of the card and PIN code at the customer’s request EUR 5
Delivery of card by post Free of charge
Collection of card in a Swedbank, AB branch2 Until 2021-12-31 Free of charge
Starting from 2022-01-01 EUR 5
Cash withdrawal
At Swedbank, AB, Swedbank AS (Estonia), Swedbank AS (Latvia) and Swedbank (Sweden) ATMs 2 %, min. EUR 2
In branches of other banks and other than Swedbank, AB, Swedbank AS (Estonia), Swedbank AS (Latvia) and Swedbank (Sweden) ATMs 2 %, min. EUR 3
In service provision points of other partners4 2 %, min. EUR 2
Cash depositing in Swedbank, AB ATM 0.1 %
Checking the account balance at ATMs (which have this technical capacity) Free of charge
Credit limit
Granting of credit limit Free of charge
Credit limit interest rate 15%
Deadline for repayment of used credit 10th day of the next month
Period for free of charge credit5 Until the nearest credit repayment date (until the 41st day)
Share of the used credit that must be repaid on a monthly basis 0%
Minimum amount of credit limit EUR 300
Currency Exchange fee when transaction is made not in euro6 2,45 %
Change of PIN code in Swedbank, AB ATM Free of charge
Blocking of lost card Free of charge
Unblocking card, when it was blocked due to non-repaid used credit EUR 5.79
Security programme Free of charge
Travel insurance Free of charge
Priority Pass card issuance (only with Visa card) Free of charge
Visit to LoungeKey (with Gold Business Credit Card Mastercard) or Priority Pass (with Priority Pass Card issued with Visa Business Credit Card) airport lounges7 EUR 28
Receipt of an invoice copy at the customer’s request:
For payments by card in Lithuania EUR 1.45
For payments by card abroad EUR 5.79
Standard limits of transactions8
Maximum total daily amount for payments by card for goods and services EUR 8,700
Maximum total daily amount for cash withdrawal EUR 1,400
Maximum total monthly amount for cash depositing at ATMs of Swedbank, AB9 EUR 15, 000
Security programme terms and conditions
Period of time for reporting about card blocking 24 hours
Maximum amount of loss a bank client is not compensated EUR 28.96
Maximum amount of loss a bank client is compensated Standard daily limit of transactions (payment for goods and services)
Travel insurance protection measures and insurance amounts10
Medical insurance
Treatment and transport costs EUR 500, 000
Emergency dental care EUR 200
Acquisition of additional medical aid tools EUR 200
Accident insurance
Death of the insured due to an accident EUR 10, 000
Trauma insurance EUR 10, 000
Personal belongings insurance EUR 2, 000
Travel protection insurance
Changes in route / schedule (including cancelling or discontinuation) EUR 2, 000
Change of flight ticket EUR 150
Departure delay:
For more than 4 h EUR 150
For more than 24 h EUR 300
Luggage delay for more than 4 h EUR 1, 000
Civil liability and legal assistance insurance
Civil liability EUR 20, 000
Legal assistance EUR 1, 000
Deposit EUR 3, 000
  • 1All other issued cards linked to the same credit limit account shall have the same expiry date as the first issued card. For this reason, if a new card is issued at a later date, its period of validity will be less than 3 years.
  • 2The fee is deducted from the client’s bank account at the time of card activation.
  • 3Monthly card administration fee is deducted from the client’s bank account for the current month on the 15th day of every month after the activation of a new or renewed card.
  • 4For more details about partners that provide cash withdrawal services for cards issued by Swedbank, AB visit website
  • 5It is a period during which no interest rate is paid for unused funds of the credit which were paid for purchases and services by paying by card. This period is set from the moment the funds of the credit are debited to the nearest date of credit repayment.
  • 6When card transaction is made in currency other than euro (including a cash-out with a card), conversion to euro is being calculated using „Mastercard International“ or „Visa Europe Services Inc“ currency exchange rate at transaction processing day and increasing the amount by value stated in the pricelist. The currency exchange calculator provided here can be used to calculate exchange fees.
  • 7For one visit per person in the airport’s lounge. The is not set by Swedbank, AB, but by a third party providing the respective service (LoungeKey or Priority Pass), to which a fee of the specified amount is paid. In case of Priority Pass service, the fee is debited from the customer's account and transferred to a third party by Swedbank, AB.
  • 8At the client’s request, standard daily limits of transaction and periodicity can be changed. Transactions in the credit limit account without using a card are subject to the limits of transactions specified in the Agreement on the Provision of Electronic Services.
  • 9Upon the Bank’s approval, a bigger than standard limit for depositing cash at ATMs of Swedbank, AB may be set, which is valid until the date of expiry of the card.
  • 10More details about terms and conditions of insurance services are provided on the bank’s website.

documentBusiness Gold Credit Card agreement terms and conditions

documentInsurance terms and conditions

documentTravel insurance product information document

documentRegarding the terms of use of LoungeKey™ and Boingo services

If the card is received by post:

  • If the Card Agreement is already signed, the credit card can be activated in the Internet Bank by user having minimum profile „All transactions“ to card account.
  • If the Card Agreement is not signed, the card can be activated together with agreement signing by legal representative who has the sole right of representation according to the commercial register and has logged in to Internet Bank with Smart ID, Mobile ID or ID card.

Activate the card

documentCard Activation Instruction

At branch:
The card received in branch is activated by a branch employee after agreement is signed by legal representative and handed over to card holder or legal representative who, according to the commercial register is authorized to represent the company and sign the agreement.

  • Card purchases have an interest free period of up to 41 days Calculation will start from the time of purchase until the 10st date of the following month.
  • Any credit limit spent and not repaid by the 10th date is automatically transferred from the current account linked to the credit card. Interest starts to accrue if the current account lacks funds for automatic repayment of the whole amount used.
  • Optionally, you can pay additional own funds into the credit card account to increase the limit available on the card, or repay the outstanding limit at any time.
  • In order to obtain complete information about the transactions, one must take account of the statuses assigned to each type of transaction. Details of all transactions already debited are available in the credit card’s account statement, whereas purchases that have the interest-free period are in the list of the same account’s reservations.

If you suspect you have lost your card, you can temporarily disable it via the Internet Bank or through our mobile app (Android only). You have 10 days to reopen your card if you should find it or it will be automatically closed.

If a bank card is stolen, it must be closed immediately. You could do it by yourself in Internet Bank in case You are Internet Bank user and have access rights to card’s servicing account. Or you could do it by calling our business client consultation center on by short number 1633 or at any time (8 5) 268 4820. From abroad you can call by number +370 5 268 4422 or +370 5 268 4820.

If your card is lost or stolen abroad and you are unable to contact us, you can block the card by calling the 24-hour Visa help centre +1 410 581 9994.

You can dispute a card transaction sending the bank message, call to consultation center +370 5 268 4422 or turn to nearest branch if:

  • you discover that your account statement includes transactions for which you did not aware of or not reach an agreement with the merchant or service provider.
  • an ATM fails to make a deposit or a withdrawal. For instance, in cases when an ATM does not issue cash upon withdrawal, but the sum is debited from the account or when a deposit is not added to your account.

You should apply to the bank no later than within 60 days after transaction date by filling application.

Note! If You will apply later Bank has a right to reject application and not to initiate investigation.

More information: General rules of claims investigation in Swedbank.

  • Covid-19 insurance cover
  • Many expenses connected with unwanted travel changes like:
    • flight cancellations
    • delays
    • travel interruption
    • etc.
  • Lost or stolen luggage
  • Injuries while traveling
  • Need for legal assistance
  • Trip cancellation due to illness
  • And other situations

The credit card includes an extensive travel insurance package, which applies to the card holder as well as 3 colleagues travelling with him/her across the whole world.

The sums insured apply for all insurance cases, regardless of how many times they occur during the trip.

The travel insurance is provided by Swedbank P&C Insurance AS branch in Lithuania.

Card holder can now access hundreds of airport lounges around the world, regardless of airline or flight class. Business Gold credit card is access key, with no other cards needed.

  • Manage your visits easily in the LoungeKey™ self-service.
  • Complimentary amenities at select lounges mean the luxury of escaping the hustle and bustle of the airport terminal.
  • The list of LoungeKey™ lounges available and further information about the program can be found on the LoungeKey™ website and app.

Make the most of the comforts of a LoungeKey™ airport lounge.

Lounge visit fees:

  • For Business Gold credit card holders - 28 EUR per visit
  • For persons accompanying Business Gold credit card holders as a guest - 28 EUR per visit
  • Fee for visit will be charged from Business Gold credit limit account when entering the lounge.

You can find the terms and conditions on or the mobile app.

Arriving at the lounge, be sure to mention you have LoungeKey™ membership. Present your Business Gold credit card and boarding pass to gain entry. Your card will be swiped or scanned to register your visit.

To use the benefits of the LoungeKey self-service, please follow these steps before you download the app:

  • make sure that internet shopping is enabled for your card;
  • create your profile on after activating the new card;
  • download the LoungeKey™ app, log in with your profile and enjoy the benefits like:
    • view the available airport lounges, see and track your visits,
    • access your Digital Card and hundreds of discount-offers,
    • see what services the lounges offer.

When you have added your card to the lounge key app, 0,85€ will be temporally booked up to 10 days to verify your card.

The offer of Vilnius International Airport is available here.

Boingo Wi-Fi for MasterCard® Cardholders: share unforgettable experiences with premium quality Wi-Fi access at more than 1 million hotspots worldwide, at no added cost to Business Gold credit card cardholder.

  • Stay connected on up to four devices including mobile phones, tablets and laptops.
  • Save time and spare the hassle with the Boingo Wi-Finder mobile app – it helps you locate nearby hotspots and gets you connected in just a few clicks.
  • Access 24/7 customer support via email, phone, chat and social media.
  • Locate accessible hotspots by visiting or downloading the Mastercard Boingo Wi-Finder app. Find the map of hotspots on the website or use the Wi-Finder hotspot locator in the mobile app.
  • Register your card only once and after that connections will be automatic.

*Terms and conditions apply. Boingo Wi-Fi for Mastercard® for Cardholders services provided by Boingo Wireless, Inc. See for full details.


Join Avis President’s Club for an even greater level of service, discounts and benefits


Join Hertz Gold Plus Rewards for upgrades and up to 15% off all rentals

Valuable deals for bookings at independent and local chain hotels around the world.


Gold Business credit cardholders can now enjoy complimentary Avis Preferred membership, which includes a car upgrade with every reservation (subject to availability) and up to 20% discount on all car rentals.

Gold Business credit card holders can access Avis Preferred membership benefits in 3 easy steps.

Step 1:

Register on the website using your email address, and enter the promotional code Mastercard World Elite*.

Each cardholder can only register once. The cardholder then completes the registration form on the following pages.

During the enrolment process, cardholders are asked to register their Mastercard Gold Business Credit Card and driving license number to complete the registration.

Step 2:

Membership confirmation is sent to cardholders from Avis Preferred with their unique membership number. The details will be delivered after the first car rental.

Step 3:

To rent a car, enter membership number and book here.

Offer validity period:
Ongoing until further notice

In collaboration with:

*Please note this cannot be used in conjunction with any other promotion.
Full terms and conditions can be found here.


Join the prestigious Hertz Gold Plus Rewards programme with your Gold Business credit card and enjoy the following benefits:

  • Up to 15% discount on every car booked
  • Free one car class upgrade at participating locations (subject to availability)
  • Earn 500 Gold Plus Rewards bonus points upon enrolment
  • Free additional driver (spouse or domestic partner)
  • Bypass the queues and the counters at more than 50 of the world’s busiest airports
  • Expedited reservations, pick-ups and returns
  • Expedited Gold service at over 1,000 locations worldwide
  • Earn Gold Plus Rewards® Points for free car rental days around the world
  • 25% discount on child seats

Gold Business credit card holders can access Hertz Gold Plus Rewards benefits in 4 easy steps.

Step 1: Register at Hertz Gold Plus Rewards here. Each cardholder may only register once.

Step 2: After registering, cardholders receive e-mail confirmation with their unique membership number and can print their membership card

Step 3: Make reservations here and enter membership number and print upgrade voucher

Step 4: On collection of vehicle, present membership number and Hertz Gold Plus Rewards Membership card at Hertz Desk

Offer validity period:
Valid until 31 December 2020

In collaboration with:

Terms and conditions for rental can be found here. is a leading provider of hotel accommodation worldwide, offering booking services through its own network of localized websites and telephone call centres.

A special offer for Mastercard World Elite Cardholders:

  • 8%* off bookings at independent & local chain hotels

When booking hotel, use code MASTERCARD8 and pay with Mastercard Gold Business credit card to enrol for the discount.

Offer validity period:
Book by 31 March 2021 for completed stays up to 30 September 2021

In collaboration with:

*List of excluded hotel brands see here.
Full terms and conditions can be found here.

Your company's financial security is one of Swedbank's top priorities. We encourage you to be responsible users of payment cards and to observe the security conditions for payment cards usage.

  • Only the cardholder - the person whose name appears on the card - may use the card. Do not let anyone, even a close person, to use the card issued in another person’s name.
  • Make sure that you as a cardholder always know where your payment card is.
  • If you pay by card, do not let the person serving you take it to a back room on their own because card data may be stolen.
  • Always check the transaction amount that you approve with the card.
  • Check card transactions regularly via Business Internet Banking or the Swedbank mobile app. If any transaction seems suspicious, please contact the bank immediately.
  • It is not recommended to send card number by post or disclose it over the telephone when making a purchase because card data may be misused for fraudulent transactions but, if there are no other options, please be extra careful.
  • Be careful when using the ATMs of other banks. Some ATMs return payment card before dispensing the money. Make sure that you collect your payment card and the requested amount of cash before you leave the ATM.
  • A cardholder receive a new card and also a PIN in a separate envelope Renewed cards will keep their former PIN.
  • Do not tell or show the PIN to anyone, not even to bank employees.
  • Memorise it, do not write down the PIN on the card or anywhere else where it can be seen by others.
  • For payment approval, try to enter the PIN so that no one else can see it. The card can be stolen and be used by somebody else. If the card with PIN code is used by a thief, it is the customer’s own responsibility.

If you suspect that the PIN has become known to someone else or if the bank has notified you of the need to change your PIN, the cardholder must change it immediately. It can be done at any Swedbank ATM. When selecting new PIN, do not re-use your old PIN.

Do not use identical PIN codes for different cards for the ease of memorising them.

In security reasons it is allowed to insert PIN wrongly only 2 times. After 3rd time PIN will be automatically blocked:

  • If you block your PIN in POS then you can unblock it in ATM by inserting the correct one in first time.
  • If you block your PIN in ATM or can’t remember the PIN, you need to order the new card.
  • If the card was stolen, it must be blocked immediately. You can do it by yourself on Swedbank’s Internet Bank for Business, using mobile app or by calling +370 5 268 4422 (+370 5 268 4820 at any time).
  • If your card is lost or stolen abroad and you are unable to contact us, you can block the card by calling the 24-hour MasterCard card foreign helpline +1 636 722 7111 (charged) or VISA card 24h international assistance line on +1 410 581 9994 (charged).

Debit card with credit card features.

A card enabling additional money for your company that can also be used to pay bills.


In case of an insured event, please contact our claims handling.

„Swedbank P&C Insurance AS Lithuania branch, Konstitucijos pr. 20A, Vilnius, 09321

+370 5 268 4444

Starting from 6 May 2021 we're offering for trips Travel Insurance with Covid-19 cover for Business Gold Credit Card holder and 3 colleagues travelling with him/her at no additional charge. It provides more comprehensive risk coverage and protection from unexpected costs. The Covid-19 cover is automatically valid for insured person if any of the preconditions met:

  • negative Covid-19 test within 72 hours prior to the start of the trip
  • confirmation that you have been infected with Covid-19 within the last 6 months and you are recovered
  • Full vaccination certificate

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, if insured person needs medical assistance. Or travel cancellation costs before the trip if insured person: has received a positive coronavirus test, or he/she is a close contact person and have to stay in isolation (quarantine).

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

Carefully consider whether traveling abroad is needed.

For more information read:

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Free presentation
“The Importance of Finance Management for Business: Integrated Solutions Put Simple”

30 November, 10:00

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