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.

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.

Fixed Payment Credit Card issue and administration fees

Valid from 2023-12-07

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 EUR¹
Fixed Payment Credit Card fees
Card validity	3 years
Overdraft account administration fee	0 euros/month
Card issuing at the branch fee²	EUR 5
Card issuing by mail fee²	EUR 2
Urgent card delivery³	EUR 30
Payment for a purchase or a service	Free
Cash withdrawal at ATM’s and other places where this service is provided⁴	2.5%, min EUR 3
Currency exchange fee when transaction is made not in euro⁵	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 request⁴:
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 transaction limits⁶
Total allowance for payments for good and services	EUR 4,350 per day
Total allowance for ATM cash withdrawals	EUR 2,030 per day but not more than EUR 10,000 per calendar month⁷
Total allowance for ATM deposits	EUR 7,500 per calendar month⁷

¹All fees are debited from servicing unless stated otherwise in pricelist or credit card agreement.
²Applies replaced cards.
³For urgent card delivery, standard card issuance fee applies additionally, depending on the method of card delivery chosen by the customer: by courier or in the branch. The card will be delivered to the bank's branch or to the address indicated by the customer in Lithuania by a courier:

on the next working day, if the card was ordered before 1:00 p.m.;
within two working days, if the card was ordered after 1:00 p.m.

⁴The fee is debited from the credit limit of the account.
⁵When 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“ currency exchange rate at transaction processing day and increasing the amount by value stated in the pricelist. Currency exchange fees can be calculated using a currency exchange calculator accessible in Bank‘s webpage: https://www.swedbank.lt/private/home/more/calculator.
⁶At the request of the client, the total daily transaction limits may be changed.
⁷This is the total limit applicable to all accounts of the same customer and the cards linked to these accounts.

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

Shopping insurance benefits	Service terms and conditions EUR⁸
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 conditions⁹:
At a branch	EUR 8.69
Online	EUR 1
Changing other terms and conditions of Fixed Payment Credit Card agreement	Free

⁸Detailed information on shopping insurance can be found on the Bank’s website and at the branches.
⁹Does 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.

document 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.

Using cash not only brings environmental issues but also may support the shadow economy. Take a sustainable step for everyone - choose e-payments over cash. You'll be more environmentally friendly, ensure payment transparency and save time by simplifying your cash management.

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.

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: European Central Bank

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

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)

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.

A card enabling additional money and extra credit for company.

Take stock of your financial health and get useful insights and advice.

If you have any questions, contact us

Sending a message on internet banking
by email: info@swedbank.lt
by phone +370 5 268 4444 or 1884
Frequently Asked Questions

In case of insured event

call us by +370 5 268 4444 or 1884.

Report damage

popup-duplicate-agreement-message

Fixed payment credit card

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

Fixed Payment Credit Card issue and administration fees

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

Cash payments

If you paid by card, you could save

Example of a standard annual percentage rate calculation

If you have any questions, contact us

In case of insured event

Jūsų Internet Explorer naršyklė nebepalaikoma.

Prašome naudoti Google Chrome, Mozilla Firefox ar Microsoft Edge naršykles.

You have been logged out from Internet bank

Today's investor is you!