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Fixed payment credit card

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.
Fill in application

Please note, that by using financial services you assume financial obligations. Improper execution of financial obligations may adversely affect your credit history and raise the cost of borrowing, and it can also cause initiation of enforced recovery.

It takes only 2 minutes to fill in the application Access credit limit before card arrives Manage your card easily in the mobile app
  • 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.
  • 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.

Log into the Internet bank and see if you have received a personal offer. If there is an offer, you can enter into an agreement without submitting an application.

If not, follow these easy steps:

  1. Apply for the credit card in the Internet bank.
  2. We will inform you about the decision by phone or via SMS.
  3. Read the conditions, accept them and sign the agreement.
  4. After signing the agreement you can immediately start using credit card limit.
  5. Your card will arrive within 7 working days.
  6. When you receive your card, log into the Internet bank and activate it there.
  7. You should activate a new card within 30 days from the date of order, whereas in the case of a renewed card – within 60 days from the date of expiry of the old card. Should you fail to do this within the required term, you will not be able to do it later, and if you use the credit limit, you will have to repay it under the terms and conditions provided for in the agreement.


  • Your income must be at least EUR 350 (for New Visa Platinum EUR 667) per month after tax.
  • If you take a loan with a co-borrower, total income of a family (co-borrower) must be at least 700 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.
  • If you are planning to repay the loan from sources other than your salary, upon arrival to a bank branch, you will have to submit official documents evidencing the receipt of these revenues.


  • Your family monthly expenses aimed at covering your existing liabilities must not exceed 40% of your monthly income. *
  • You must be free of debts (due financial liabilities) to Swedbank or to other creditors and of unpaid invoices for other services.

* If you are married but you wish to receive a credit card with a limit only for yourself, when completing the loan application form, indicate that you are applying for a Personal Loan. In the event your income is not enough to receive the Personal Loan, your spouse will have to fill in the application of a co-debtor/guarantor, so that the bank can assess the creditworthiness of your family.

Fixed Payment Credit Card issue and administration fees

Name of the service or transaction Fee in EUR1
Fixed Payment Credit Card fees
Card validity 3 years
Overdraft account administration fee 0 euros/month
Card issuing at the branch fee EUR 3
Card issuing by mail fee:
within Lithuania2 EUR 2
abroad EUR 7
Card replacement if lost, damaged or if forgot PIN. Card replacement at client’s request EUR 3
Payment for a purchase or a service Free
Cash withdrawal at ATM’s and other places where this service is provided3 2.5%, min EUR 2.03
Currency exchange fee when transaction is made not in euro4 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 request3:
card payment in Lithuania EUR 1.45
card payment abroad EUR 5.79
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.
Total daily transaction limits5
Total allowance for payments for good and services EUR 4,350
Total allowance for cash withdrawals EUR 2,030

1All fees are debited from servicing unless stated otherwise in pricelist or credit card agreement
2Renewed card can be sent by post with „Swedbank“, AB decision without separate customer request
3The fee is debited from the credit limit of the account.
4When 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.
5At the request of the client, the total daily transaction limits may be changed.

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

Shopping insurance benefits Service terms and conditions EUR6
Annual shopping insurance EUR 4,000
- Including one insured event EUR 2,000
- Single purchase EUR 1,000
- Purchases limited to one insured event EUR 400
- Unconditional deduction EUR 30
Overdraft fees and conditions
Overdraft granting Free
Changing overdraft terms and conditions7:
At a branch EUR 8.69
Online EUR 1
Changing other terms and conditions of Fixed Payment Credit Card agreement Free

6Detailed information on shopping insurance can be found on the Bank’s website and at the branches.
7Does not apply to changing the payment day, linked account and overdraft terms and conditions at Bank’s initiative.

  • 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

  • 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 inlc. clothing, sports equipment, tech gadgets etc. for 180 days from the day of the purchase.
  • 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.

  • 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.

*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.

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, unlimited access to lounges and rental car insurance.

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

If you have any questions, contact us

In case of insured event

  • call us by 1884 (+370 5 268 4444 for call from abroad).

Report damage


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