Gold credit card

For your shopping, traveling and everyday needs

180-day purchase insurance for most goods
No commission fee for cash withdrawal up to 500 EUR per month worldwide
30-days interest-free period
Credit limit from 600 EUR
Wide travel insurance for the whole family.

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 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.
No mark-up fee for transactions in foreign currency up to 10 000 Eur per calendar month.
No commission fee for cash withdrawal up to 500 EUR per calendar month worldwide.
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.
Now in Swedbank mobile app you can see a list of places where your digitized card is linked to. Watch the tutorial
New! You can now check your card’s PIN code in Swedbank app. Its secure, easy and will help you greatly, if you forget your original PIN or cannot remember it after changing.
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.
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.

Main and supplementary card’s monthly fee – 3,47 Eur.
Card production and delivery by post - 2 EUR, to the branch - 5 EUR.
Interest rate from 17% per year. It is set for each customer individually and depends on the amount of credit card limit.

Gold Credit Card issue and administration fees (Mastercard Gold)

Valid from 2023-12-07

Name of the service or transaction	Fee in EUR¹
Credit card fees
Card validity	3 years
Card administration fee²	EUR 3.47
Card issuing at the branch fee³	EUR 5
Card issuing by mail fee³	EUR 2
Urgent card delivery⁴	EUR 30
Payment for a purchase or a service	Free
Cash withdrawal at ATM’s and other places where this service is provided⁵:
Up to EUR 500 per calendar month	Free
Above EUR 500 per calendar month	2%
Currency exchange fee when transaction is made not in euro⁶:
Up to EUR 10.000 per calendar month	Free
Above EUR 10.000 per calendar month	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 request⁷:
card payment in Lithuania	EUR 1.45
card payment abroad	EUR 5.79
Fees of other services in the basket
Monthly fee (Security Programme)⁸	EUR 0
Locking a lost card	Free
Travel insurance	Free
Shopping 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.
Total transaction limits⁹
Total allowance for payments for good and services	EUR 8,700 per day
Total allowance for ATM cash withdrawals	EUR 2,900 per day but not more than EUR 10,000 per calendar month¹⁰
Total allowance for ATM deposits	EUR 7,500 per calendar month¹⁰

¹All fees are debited from the client’s account at the Bank, unless stated otherwise in the Fees and the credit card agreement.
²The fee is debited monthly on the day of payment specified in the agreement.
³Applies for new, renewed and replaced cards. Renewed card can be sent by post with „Swedbank“, AB decision without separate customer request.
⁴For 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.;
a new credit card, when the credit limit has not yet been granted, after the decision on granting the credit limit has been made.

⁵Except Perlas terminals, where cash withdrawal fee of 2%, min. EUR 3 is applied for each cash withdrawal transaction.
⁶When card transaction is made in currency other than euro (including a cash-out with a card) above EUR 10.000, 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. Currency exchange fees can be calculated using a currency exchange calculator accessible in Bank‘s webpage: https://www.swedbank.lt/private/home/more/calculator.
⁷The fee is debited from the credit limit of the account.
⁸Security Programme is valid for credit card agreements signed until 31.08.2023.
⁹At the request of the client, the total transaction limits may be changed.
¹⁰This is the total limit applicable to all accounts of the same customer and the cards linked to these accounts.

Gold Card service terms and conditions (Mastercard Gold)

Name of the service or transaction	Service terms and conditions EUR
Terms and conditions of other services
Security programme⁸
- Period until the notification on card lock	24 hours
- The largest amount of losses not compensated for the client	EUR 28.96
- The largest amount of losses compensated for the client	Daily transaction limit (payment for goods and services)
Travel insurance services and benefits¹¹
Medical expenses and repatriation insurance	EUR 750,000
Accident insurance	EUR 10,000
Luggage, travel delay and trip cancellation insurance
Departure delay insurance
Over 4 hours	EUR 150
Over 24 hours	EUR 300
Luggage delay over 4 hours	EUR 300
Route/schedule change (including cancellation, discontinuation)	EUR 2,000
Flight ticket change	EUR 150
Civil liability and legal expenses insurance
- Civil liability	EUR 10,000
- Legal expenses	EUR 1,000
- Deposit	EUR 3,000
Flight ticket change	EUR 150
Shopping insurance benefits¹¹
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 conditions¹²:
At a branch	EUR 8.69
Online	EUR 1
Period during which interest for used overdraft is not paid (in calendar days from the purchase by a payment card)	30 days

¹¹Detailed information on travel and shopping insurance can be found on the Bank’s website and at the branches.
¹²Does not apply to changing the payment day, linked account and overdraft terms and conditions at Bank’s initiative.

Apply for the credit card in the Internet bank.
We will inform you about the decision by phone, via SMS or by the Internet bank message.
If you accept the conditions, sign the agreement in the Internet bank.
You will be able to use credit limit immediately after signing the contract.
Your card will arrive within 14 days.
When you receive your card, log into the Internet bank, and activate it there.
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. If you don’t do it within the required term, you won’t 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 450 (for Platinum credit card EUR 670) per month after tax.
If you take a loan with a co-borrower, total income of a family (co-borrower) must be at least 1100 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.

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.

Please be aware that in case of medical assistance and trip interruption we consider the Covid-19 disease equally to other diseases which are not excluded in terms and conditions of travel Insurance.

Many expenses related with unwanted travel changes (flight cancellations, delays, travel interruption etc.).
The limit for medical assistance per insured person is now 750,000 EUR.
Lost or stolen luggage.
Injuries while traveling (incl. skiing, swimming pool accidents etc.).
Need of legal assistance.
Trip cancellation due to illness.
And other situations.

Travel insurance will keep you safe from unwanted worries and, most importantly, from unexpected expenses when enjoying your holidays.
Insurance applies to the cardholder free of charge as well as to cardsholder’s spouse/partner, minor children, and minor grandchildren traveling together. Adult children and granchildren are covered by the insurance, if they’re up to 21 years old, full-time students and are not married.
If you travel with your family just once a year, the travel insurance with Credit Card will pay off.

	Standard revolving credit card	Gold credit card	Platinum credit card
Credit card fees	1.44 EUR/month	3.47 EUR/month	16 €/month
Insured persons	Family members travelling together	Family members travelling together	Family members travelling together
Insurance cover	Sum insured per credit card (€)	Sum insured per insured person (€)	Sum insured per insured person (€)
Medical assistance (cost)	50 000 EUR	750 000 EUR	750 000 EUR
Accident insurance	-	10 000 EUR	20 000 EUR
Insurance cover	Sum insured per credit card (€)	Sum insured per credit card (€)	Sum insured per credit card (€)
Personal belongings (damage, theft)	-	1000 EUR	2500 EUR
Travel route / schedule change	-	2000 EUR	3500 EUR
Flight ticket change	-	150 EUR	150 EUR
Flight delay (over 4 hours)	-	150 EUR	500 EUR
Flight delay (over 24 hours)	-	300 EUR	500 EUR
Luggage delay (4 hours)	-	300 EUR	1000 EUR
Liability insurance	-	10 000 EUR	20 000 EUR
Legal assistance	-	1000 EUR	10 000 EUR
Bail	-	3000 EUR	5000 EUR
Rental car CASCO	-	-	40 000 EUR (excess 250 EUR)
Excess	-	30 EUR*	-
Coverage	Insurance cover applies automatically**.
Validity	Valid until the end of the credit card, and for first 30 days of travel.	Valid until the end of the credit card, and for first 3 months of travel.
Terms	document Travel insurance conditions	document Travel insurance conditions	document Travel insurance conditions

*Excess applies to insured events related to property insurance, travel itinerary changes and liability and legal assistance insurance.
**The insurance cover enters into Forde since the moment when the card agreement is concluded and remains in force as long as the card agreement continues in force.

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.

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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)

Typical example of an APR calculation

For a Gold credit card with credit limit of EUR 1500, at a fixed interest rate of 18% p.a., a minimum daily service fee set by the Bank (EUR 1 per month), a monthly card administration fee (EUR 3.47/month), and a one-off card issuance fee set by the Bank, the total annual percentage rate (APR) of the cost of the consumer credit would be: 24.2% and the total amount payable by the borrower would be EUR 1695.26.

The APR and the total amount payable by the consumer borrower are calculated on the assumption that the Credit Agreement will be valid for 12 months, the full amount of the Credit shall be disbursed on the date of signature of the Credit Agreement and shall be repayable in equal monthly instalments over a period of one year, with the first instalment due one month after the Credit Limit has been drawn down, and the last instalment to cover the balance of the Total Amount Payable by the consumer borrower, The Credit Agreement will be executed in accordance with the terms and conditions set out therein, the Credit Limit will be used for purchases/services by card payment (the most common method of use of the Credit Limit), the annual interest rate, the amount of the Fees and other costs will remain the same as at the time of conclusion of the Credit Agreement and will continue to apply until the end of the Credit Agreement.

Take care of your safety with Travel insurance which now includes Covid-19 insurance cover

For trips taking place starting from 6 May 2021 we're offering a Travel Insurance Covid-19 cover without an additional fee. It provides a wider risk coverage and protection from unexpected costs than the regular Travel Insurance. The Covid-19 insurance cover is automatically valid when abroad if any of the preconditions apply:

Negative Covid-19 test result within 72 hours prior to the start of the trip. In this case the supplementary insurance is valid for 30 days.
Confirmation that you have been infected with Covid-19 within the last 6 months and you are recovered.
Full vaccination certificate.

Preconditions apply to children starting from age of 12.

Preconditions are not needed if trip is cancelled due to Covid-19 sickness or self-isolation before the trip.

For example, we will compensate Covid-19 related medical expenses abroad, if you need medical assistance. Or travel cancellation costs before the trip if you: have received a positive coronavirus test, or you are a close contact person and have to stay in isolation (quarantine).

Travel disruption caused by authorities (e.g. closed borders, lockdowns) is not covered even in case of pandemic/epidemic.

Carefully consider the need to go abroad.