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.
Card benefits
  • 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.
Other features
  • 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 €25 only by tapping the card to the terminal. No PIN, no hassle, just quick and safe shopping.
  • Try out mobile contactless payments for Android users.
  • Activate internet shopping option.
Repayment

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.
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The insurance services are provided by Swedbank P&C Insurance AS Lithuanian Branch through its representative Swedbank, AB.

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.

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.

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If you have any questions, contact us

In case of insured event

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

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