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Fixed payment credit card

New Fixed payment credit cards are no longer issued from 16.06.2022. Choose another card here.

Useful if you'll need money for bigger purchases or unforeseen expenses

  • Repayment of used credit limit by equal instalments every month.
  • 180 days purchase insurance applies for most goods purchased with credit card or by payment from credit card account.
  • Credit limit from 300 EUR.

    Card properties

    • 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.
    • Repayment with fixed monthly payments.
    • After paying by credit card or by transferring from the credit limit account, the calculation of interest starts the next day.
    • Manage your credit card in Ibank and Swedbank app: block and unblock, manage limits and make repayments as you go.
    • NEW! Now in Swedbank mobile app you can see a list of places where your digitized card is linked to. Watch the tutorial
    • You can start using the credit limit right after signing credit card agreement - even before card arrives.
    • You can transfer money, make payments and withdraw cash at the ATM directly from your credit card account.
    • Contactless payments - you'll be able to pay up to €50 only by tapping the card to the terminal. No PIN, no hassle, just quick and safe shopping.
    • Make your purchases easily with contactless payments - Apple Pay, Google Pay, Garmin Pay, Fitbit Pay and mobile contactless payments for Android smartphone users.
    • Activate internet shopping option.

    When to pay back your used credit limit?

    • Fixed amount payments consisting of last month's interest due and used credit limit amount, on the chosen day every month (1, 5, 10, 15, 20, 25 or 28), your account held in Swedbank will be automatically debited.
    • You can always repay used limit sooner in addition to monthly payments.
    • The process of debiting a borrower’s account with the amount payable under a credit agreement begins at 17:45 on the payment day specified in the agreement. Make sure you have sufficient funds available in the account.

    Pricelist and conditions

    Fixed Payment Credit Card issue and administration fees

    Valid from 2025-11-01

    New Fixed payment credit cards are no longer issued from 16.06.2022. Cards expiring 31.08.2023 and later will not be automatically renewed, but still will be replaced in case stolen, lost or upon customer request.

    Name of the service or transaction Fee in EUR
    Fixed Payment Credit Card fees
    Card validity 3 years
    Overdraft account administration fee 0 euros/month
    Card issuing at the branch fee EUR 5
    Card issuing by mail fee EUR 2
    Urgent card delivery EUR 30
    Payment for a purchase or a service Free
    Cash withdrawal at ATM’s and other places where this service is provided 2.5%, min EUR 3
    Currency exchange fee when transaction is made not in euro 2.45%
    Balance checking at ATM’s (that have the technical capability to do so):
    Swedbank, AB, Swedbank AS (Estonia), Swedbank AS (Latvia), Swedbank (Sweden) Free
    Other banks Free
    Changing PIN at Swedbank, AB ATM Free
    A copy of the invoice at Client’s request:
    card payment in Lithuania EUR 1.45
    card payment abroad EUR 5.79
    Purchase insurance Free
    Overdraft account transaction fees
    When transaction in the overdraft account are carried out without the payment card, Bank’s services and transaction fees are applied. Interest is not paid on the balance of the Overdraft Account.
    General transaction limits
    Total allowance for payments for good and services EUR 4,350 per day
    Total allowance for ATM cash withdrawals (this is a general limit that applies to all accounts of the same customer and the cards linked to these accounts) EUR 2,030 per day but not more than EUR 7,500 per calendar month
    Total allowance for ATM deposits (this is a general limit that applies to all accounts of the same customer and the cards linked to these accounts) EUR 7,500 per calendar month

    Fixed payment credit card service terms and conditions (Mastercard Standard)

    Name of the service or transaction Service terms and conditions EUR
    Overdraft fees and conditions
    Overdraft granting Free
    Changing overdraft terms and conditions:
    At a branch EUR 8.69
    Online EUR 1
    Changing other terms and conditions of Fixed Payment Credit Card agreement Free

    Terms and conditions of fees:

    1. All fees shall be debited from the customer's account with the Bank, unless otherwise specified in the Fees and the Credit Card Agreement.
    2. The fee applies when replacing a lost or stolen card or at your request at a card issuing branch or by mail.
    3. When delivering the card in an urgent manner, we will apply an urgent card delivery fee together with the standard card issuance fee for delivery by mail or the card issuance fee at a branch, depending on the card delivery option you have chosen.
    4. At your request, we will deliver the card with your existing credit limit to a bank branch or to your specified address in Lithuania in an urgent manner by courier:

    • On the next business day, if the card was ordered before 1 p.m.;
    • Within two business days if the card was ordered after 1 p.m.
    5. The fee for cash withdrawals at ATMs and other places where this service is provided will be debited from your account with the Bank on the payment date specified in the agreement each month, and the fee for receiving a copy of the account statement will be debited from your credit limit account.
    6. We calculate the amount of currency exchange fee payable by you when a transaction (including cash withdrawal with a card) is performed in a currency other than euros by converting the transaction amount into euros. For the purpose of the conversion, we use the euro, and the relevant currency exchange rate set by Mastercard International on the transaction processing date and add the specified currency conversion fee (2.45%) to the amount. You can calculate the currency conversion fee yourself using the currency conversion calculator available on the Bank's website https://www.swedbank.lt/private/home/more/calculator.
    7. Detailed information about travel and purchase insurance is available on the Bank's website and at Bank branches.
    8. We will not charge a fee for changing the Credit Limit Terms and Conditions when changing the payment date and the linked bank account.
    9. At your request, the daily transaction limits may be changed.

    Purchase insurance

    • Bicycle was stolen.
    • Child broke his winter parka in kindergarten.
    • Glasses were broken.
    • Skis were broken.
    • Surfing equipment was damaged.
    • And many more.

    Purchase insurance terms and conditions (pdf)
    • 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. Durable goods are items with a lifespan of at least 3 years. The lifespan of a product is determined by the manufacturer.
    • It applies to most purchases incl. clothing, sports equipment, tech gadgets etc. for 365 days from the day of the purchase.
    • To claim you need to have purchase document or payment information.

    In case of insured event, read more here.
    • Maximum amount per item EUR 1 000
    • Maximum amount per event – EUR 2 000
    • Total insurance amount per year – EUR 4 000
    • Maximum insurance amount for purchases with limited compensation – EUR 400
      • Desktop/laptop/tablet computers, their parts and external devices;
      • mobile phones;
      • glasses, including sunglasses;
      • watches (including smartwatches);
      • unique items, jewelry (including gemstones, precious metals and pearls);
      • Items purchased online that were not delivered.
    • Deductible per insured event – 30 EUR
         Note! The terms of purchase insurance included with credit cards will change on 1 November 2025. Review the new terms and conditions here.

    Example of a standard annual percentage rate calculation

    If you apply for a credit card with granted credit limit – 1000 EUR, when credit agreement period is 36 months, credit repayment period is 24 months, monthly amount of the principal of 50 EUR is paid, also fixed annual credit interest rate of 20 % is applied, monthly minimum daily banking fee for private persons as established by the Bank (0,70 EUR per month) is paid, monthly credit card administration fee (0 EUR) and one-time card issuing fee (3 EUR) is paid, then, the total consumer credit annual percentage rate would be 23.7 %, and the total amount paid by the consumer loan receiver would be 1242 EUR.

    Travel and purchase insurance services are provided by Swedbank P&C Insurance, AS, Lithuanian branch.

    Best choice for your purchases and occasional travels abroad.

    Gives you travel insurance for the whole family and protects most of your purchases.

    Swedbank‘s best travel insurance, access to airport lounges and rental car insurance.

    Insure your credit card repayments and get financial safety in case you unexpectedly fall ill or lose your job.

     New!

    Investing is completely effortless. Your investments will be automatically topped up with a small amount from each card payment.

    If you have any questions, contact us

    In case of insured event

    • call us by or .

    Report damage
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    Contacts

    „Swedbank”, AB
    "Swedbank", AB
    Įmonės kodas 112029651
    Adresas: Konstitucijos pr. 20A, LT-03502 Vilnius
    SWIFT code: HABALT22
    Legal entity code: 112029651

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    This is Internet Banking site of companies offering financial services - „Swedbank“ AB, Swedbank lizingas UAB, Swedbank investicijų valdymas UAB, Swedbank P&C Insurance AS Lithuanian branch, Swedbank Life Insurance SE Lithuanian branch. Before signing any agreement read the terms and conditions of the respective service.