Gold revolving credit card

• Credit limit from 600 EUR
• Extensive worldwide travel insurance package for the cardholder and his family.
• 180-day purchases insurance is valid for most items purchased with credit card payment or by transfer from a credit card account.
• 30-days interest-free period for used credit card limit.
• Please notice! The interest-free period does not apply to cash withdrawals and credit transfers.
• Book and pay for hotels and use car rental services.
• You can also take out extra cards for your family members. Each additional cardholder enjoys the same privileges as you.

• 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, Garmin Pay, Fitbit Pay and mobile contactless payments for Android smartphone users.
• Choose to receive your card by post for free.
• Activate internet shopping option.

When to pay back your used credit limit?

• No interest will be calculated if You repay amount of the transaction within 30 days from transaction date.
• 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.

Income

• 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.

Obligations

• 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.