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Gold credit card

For travel and for 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

Note! The terms of travel insurance included with the credit card will change on 1 April 2025. Review the new terms and conditions here.
  • 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 2025-04-01

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 insurance9 Free
Shopping insurance9 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 limits10
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 month11
Total allowance for ATM deposits EUR 7,500 per calendar month11

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)
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

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.
9Detailed information on Travel and Purchase insurance can be found on the Bank’s website and at the branches.
10At the request of the client, the total transaction limits may be changed.
11This is the total limit applicable to all accounts of the same customer and the cards linked to these accounts.
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 30 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. 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.
  • You must be free of debts (due financial liabilities) to Swedbank or to other creditors and of unpaid invoices for other services.
  • 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. Durable goods are items with a lifespan of at least 3 years. The lifespan of a product is determined by the manufacturer.
  • 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.

In case of insured event, read more here.
  • 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.
  • Many expenses related with unwanted travel changes (flight cancellations, delays, travel interruption etc.).
  • The limit for medical assistance per insured person is now 1,000,000 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.
  • The insurance applies to the cardholder as well as to the spouse, life partner sharing the same household, and their minor children and grandchildren while they are travelling with cardholder. The insurance will cover the adult child or grandchild if they are up to 21 years of age (incl.), if they are a full-time pupil or student or have applied for full-time studies.
  • If you travel with your family just once a year, the travel insurance with Credit Card will pay off.

In case of insured event, read more here.

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 1 000 000 EUR 1 000 000 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 delay (over 4 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 - 50 EUR (150 EUR for mobile phones, tablets, laptops) Excess applies to insured events related to property insurance, travel itinerary changes and liability and legal assistance insurance. -
Coverage Insurance cover applies automatically. 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.
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
It is a payment card that you can use to pay for goods and services both in shops and online. It allows you to make purchases using the credit limit granted by the bank or your own funds transferred to a credit limit account. Its main advantage is the access to additional benefits such as shopping and travel insurance, etc. Customers can use a credit card by transferring personal funds to a credit limit account or by using a credit limit granted by the bank.

An interest free period means that no interest is payable on purchases for a certain number of days (depending on the type of card) after the credit card has been used to pay for purchases online or in a physical shop. With the Gold Credit Card, this period is 30 days after each purchase. If you do not repay the amount used, interest on the credit limit starts to accrue from the 31st day.

No interest free period applies when paying by bank transfer, transferring money from a credit limit account or withdrawing money from an ATM.

Interest is only charged on the credit limit used, if you use your own funds transferred to your credit limit account, you only pay the monthly credit card administration fee, no other additional fees.

Both credit and debit cards are payment cards used to pay for goods and services.

You can use your personal funds or a credit limit granted by your bank to pay with a credit card. Whereas with a debit card you can only use your own money.

Another difference is that the Gold Credit Card gives you additional benefits such as shopping and travel insurance, free withdrawal limits at ATMs around the world, and free currency conversion fees when you pay with your credit card in another currency.

If you have a credit card, you will be pre-assessed for renewal of your credit cards as they approach their expiry date (approximately 70 days before the card expires), according to the responsible lending criteria:

  • whether the card you have meets the current conditions (it has at least the minimum credit limit, or whether the type of card is still issued);
  • the customer’s compliance with the obligations;
  • the financial situation of the customer based on the data available to the bank.

If you are found to be eligible, you will be informed that you need to apply for a card renewal. You can do this by logging in to your Internet Bank under “My Cards” – “Application for card renewal”.

When renewing a credit card contract, we need to assess your solvency, as we do for new credit. Therefore, you may need to provide additional documentation and, if necessary, include your spouse, so that we can grant the credit card after assessing your family’s income and liabilities.

The card will reach you by the middle of the last month of its validity. The card will be sent by post to the address you have provided. Please make sure that the address you have provided is correct, and you will be able to activate the card in your Internet Bank. The PIN-code of the previous car will be valid for the new card.

If it is found that the card cannot be renewed, you will be informed before the last month of validity.

 You can apply for a new card by filling in an application form in the Internet Bank under “Cards” > “Credit cards”. Once your creditworthiness has been assessed and the application has been approved, the card will be sent by post to the contact address you have provided. If you have lost your card, forgotten your PIN or are unable to use it for other reasons, you can request a replacement in the Internet Bank: “Card” > “My Cards” > “Replace Card”. The new credit card will have the same expiry date as the previous one. It will be sent by post to the contact address you have provided.

One of the benefits of the Gold Credit Card is travel insurance, which protects your whole family in case of unexpected events or expenses. The insurance is valid as long as you have a valid credit card at the time of travel, even if you paid for the trip itself with another card.

Travel insurance is also valid for family members: co-insured persons are the spouse travelling with the cardholder, the partner living together in the same household, as well as children and grandchildren. The child or grandchild of the insured person and the spouse/ partner is covered if the child/grandchild:

  • is up to and including 17 years of age; or
  • is up to and including the age of 21 years, a full-time pupil or student, or up to and including the age of 21 years, and has applied for full-time education (including vocational training).
 To use your credit card to pay for online purchases, activate the “Online payment” function in the Internet Bank under “My Cards” or in the “Cards” > “Settings” section of the smartphone app. A new card is produced and delivered within 14 days of a positive decision on the credit card. You can check your card PIN in the Swedbank smartphone app by clicking on “PIN code” under “Cards”. You can also change it at your nearest Swedbank ATM by selecting “Other transactions” > “Change PIN”. The updated card works with the PIN of the previous card. Select “Add to Apple Wallet” in the “Cards” section of the Swedbank smart app, read and agree to the terms and conditions of use. If you agree, your card will be added to your Apple Pay digital wallet. In the Swedbank Smart App, under “Cards” > “Digital Wallets”, click “Manage” and select the card you want to add. Confirm this with your SMART-ID PIN2. Once you have done this, please read and accept the terms of use. You will receive a confirmation code by SMS, which you will need to enter in the “Digital Wallets” section and click “Continue”. To pay with Google Pay Digital Wallet, set it as your primary payment method.

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.

Read more

Best choice for your purchases and occasional travels abroad.

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.

 New!

Investing is completely effortless. Your investments will be automatically topped up with a small amount from each card payment.

If you have any questions, contact us

In case of insured event

  • call us by +370 5 268 4444 or 1884.

Report damage
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Contacts

„Swedbank”, AB
"Swedbank", AB
Įmonės kodas 112029651
Adresas: Konstitucijos pr. 20A, LT-03502 Vilnius
SWIFT code: HABALT22
Legal entity code: 112029651

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This is Internet Banking site of companies offering financial services - „Swedbank“ AB, Swedbank lizingas UAB, Swedbank investicijų valdymas UAB, Swedbank P&C Insurance AS Lithuanian branch, Swedbank Life Insurance SE Lithuanian branch. Before signing any agreement read the terms and conditions of the respective service.