Mastercard Platinum Credit Card

New card - more possibilities to explore.

Exclusive credit card with comprehensive travel insurance, purchase insurance and many benefits to use daily, as well as on business or leisure trips abroad.

Special offer: no administration fee until 2020.08.31.

  • Contactless payments using supported e-wallets.
  • No commission fee for cash withdrawal up to 1 000 EUR per calendar month worldwide.
  • No mark-up fee for transactions in foreign currency up to 10 000 Eur per calendar month.
  • Access to airport lounges with „LoungeKey™“.
  • Boingo Wi-Fi MasterCard® Cardholders.
Fill in application

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.

  • Credit limit from 2000 EUR
  • Swedbank's best travel insurance for the whole family
  • Access to hundreds of airports lounges with LoungeKey™
  • 180-day purchases insurance
  • Up to 50-day interest-free period for the outstanding credit card limit when paying by card for purchases / services
  • No commission fees for cash withdrawals up to 1 000 EUR per calendar month worldwide
  • No mark-up fee for transactions in foreign currency up to 10 000 EUR per calendar month
  • Access to Boingo Wi-Fi for MasterCard® cardholders*
  • Access to unique MasterCard World Elite offers

*Terms and conditions apply. Boingo services provided by Boingo Wireless, Inc. See mastercard.boingo.com for full details.

  • Manage your credit card via Internet Banking and Swedbank mobile app:block and unblock the card, manage limits and make repayments on the go
  • You can start using the credit limit right after signing the credit card agreement
  • Transfer money, make payments and withdraw cash in ATMs directly from your credit card account
  • Book and pay for hotels and use car rental services without a hitch
  • Contactless payments– use contactless payments or add your card to supported e-wallets
  • Enable the Internet shopping feature

When to pay back your used credit limit?

  • No interest will accrue if you repay the amount of the credit limit you have used during the current month by the 20th day of next month

How does repayment work?

  • On the date due for repayment, the outstanding amount is automatically debited from the account linked to the card. If funds are insufficient, the interest starts to accrue, and you can repay the used limit anytime later.

Important!

The interest-free period does not apply to cash withdrawals and transfers from the credit limit account.

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.

  1. Apply for the credit card via Internet Banking
  2. We will inform you of the decision by phone, internet bank message or via SMS
  3. Read the conditions, accept them and sign the agreement via Internet Banking
  4. After signing the agreement, you can immediately start using the credit card limit
  5. Your card will arrive within 7 working days
  6. When you receive your card, log in to Internet Banking or the mobile app 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 after-tax income must be at least 670 EUR per month
  • You must be earning a steady income for at least 6 consecutive months and your probation period must be over

Obligations

  • Monthly expenses for covering your credit payments may not exceed 40% of your monthly income
  • You may not have overdue credit payments at Swedbank or other creditors or unpaid bills for different services
  • Be ready to submit the official documents evidencing the income if the expected source of repayment is not a salary/wages

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.

  • Main and supplementary card’s monthly fee - 12 Eur (from 2020.10.01 – 16 Eur/month.).
  • Card production and delivery by post - 2 EUR, to the branch - 5 EUR
  • Interest rate from 12% per year. It is set for each customer individually and depends on the amount of credit card limit
  • With the Extra package, the annual fee will be 180 EUR

Full price list

Platinum Credit Card issue and administration fees

Name of the service or transaction Fee in EUR1
Credit card fees
Card validity 3 years
Card administration fee 12 euros/month
Card issuing at the branch fee EUR 12
Card issuing by mail fee:
within Lithuania EUR 10
abroad EUR 15
Card replacement if lost, damaged. Card replacement at client’s request EUR 12
Payment for a purchase or a service Free
Bill payments at Swedbank, AB ATM’s Free
Cash withdrawal at ATM’s and other places where this service is provided2 2%, min EUR 2
Currency exchange fee when transaction is made not in euro3 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 request:
card payment in Lithuania2 EUR 1.45
card payment abroad2 EUR 5.79
Other service fees
Locking a lost card Free
Travel insurance Free
Shopping insurance Free
Emergency cash payment abroad in case of a lost card According to Western Union’s emergency cash transfer fees
Priority Pass card:
Issue Free
Fee per visit4 EUR 28
Additional service package annual fee5 (incl. VAT) EUR 180
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 daily transaction limits6
Total allowance for payments for good and services EUR 17,400
Total allowance for cash withdrawals EUR 2,900
Total allowance for ATM payments EUR 2,900

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 from the credit limit of the account.
3When 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“ or „Visa Europe Services Inc“ currency exchange rate at transaction processing day and increasing the amount by value stated in the pricelist.
4Per person per single visit at airport lounge. Not applicable to the visits of the main card holder when an additional service package is selected.
5Fee applied to New VISA Platinum card holders for unlimited visits at airport lounges. When booking an additional service package, guests visiting airport lounges are charged a one-off visit fee.
6At the request of the client, the total daily transaction limits may be changed.

New VISA Platinum Credit Card service terms and conditions

Name of the service or transaction Service terms and conditions EUR7
Travel insurance services and benefits
Insurance coverage Amount per single insured
Medical expenses and repatriation insurance EUR 500,000
Accident insurance EUR 20,000
Insurance protection Amount per all insured
Travel disruption insurance
- Route/schedule change (including cancellation, discontinuation) EUR 3,500
- Departure delay over 4 hours EUR 500
- Luggage delay over 4 hours EUR 1000
- Flight ticket change EUR 150
Civil liability and legal expenses insurance
- Civil liability EUR 20,000
- Legal aid EUR 10,000
- Deposit EUR 5,000
Personal belongings insurance EUR 2,500
Kasko insurance for leased vehicles EUR 40,000 (EUR 250 deduction)
Shopping insurance benefits
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 conditions8:
At a branch EUR 8.69
Online EUR 1
Period during which interest is not paid for used credit limit9 Until the 20th of the next month (up to 50 calendar days)

7Detailed information on travel and shopping insurance can be found on the Bank’s website and at the branches.
8Does not apply to changing the payment day, linked account and overdraft terms and conditions at Bank’s initiative.
9Valid for overdraft used to pay for purchases made by card.

  • Many expenses connected with unwanted travel changes like:
    • flight cancellations
    • delays
    • travel interruption
    • etc.
  • Lost or stolen luggage
  • Injuries while traveling (incl. skiing, swimming pool accidents etc.)
  • For rental car, as CASCO for it is included
  • Need for 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 while enjoying your holidays or business trip.
  • Travel insurance is in force for the cardholder and their family members travelling together with the cardholder at no extra charge.

Travel insurance is valid for family members which travel together with you and covers your spouse, partner, children and grandchildren (up to 17 years of age (inclusive) or, if full-time student and single, then up to 21 years of age (inclusive)).

Mastercard Platinum Credit Card

Gold revolving credit card

Standard revolving credit card

Credit card fees The monthly fee is 12 EUR
(from 2020.10.01 – 16 Eur/month)
3.47 EUR/month 1.44 EUR/month
Insured persons Family members travelling together Family members travelling together Family members travelling together
Insurance cover Sum insured per insured person (€) Sum insured per insured person (€) Sum insured per insured person (€)
Medical assistance (cost) 500 000 EUR 500 000 EUR 50 000 EUR
Insurance cover Sum insured per credit card (€) Sum insured per credit card (€) Sum insured per credit card (€)
Accident insurance 20 000 EUR 10 000 EUR -
Personal belongings (damage, theft) 2500 EUR 1000 EUR -
Travel route / schedule change 3500 EUR 2000 EUR -
Flight ticket change 150 EUR 150 EUR -
Flight delay (over 4 hours) 500 EUR 150 EUR -
Flight delay (over 24 hours) 500 EUR 300 EUR -
Luggage delay (4 hours) 1000 EUR 300 EUR -
Liability insurance 20 000 EUR 10 000 EUR -
Legal assistance 10 000 EUR 1000 EUR -
Bail 5000 EUR 3000 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 3 months of travel. Valid until the end of the credit card, and for first 30 days of travel.
Terms Travel Insurance Terms & Conditions for Platinum Credit Cards Travel insurance conditions 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.

Boingo Wi-Fi for MasterCard® Cardholders and LoungeKey services will be available for use starting from 10th August.

Worldwide airport experiences delivered directly via your Platinum card.

You can now access hundreds of airport lounges around the world, regardless of your airline or flight class.

  • Your Platinum credit card is your access key, with no other cards needed
  • Manage your visits easily in the LoungeKey™ app
  • Complimentary amenities at select lounges mean you have the luxury of escaping the hustle and bustle of the airport terminal
  • The list of LoungeKey™ lounges available to you and further information about the program can be found on the LoungeKey™ website and app:
    For all Platinum card users
    For Platinum card with Extra package users

Make the most of the comforts of a LoungeKey™ airport lounge.

When you arrive at the lounge, be sure to mention you have LoungeKey™ membership. You will then need to present your Platinum credit card or LoungeKey™ Digital Card and boarding pass to gain entry. Your card will be swiped or scanned to register your visit.

Download the app, register and manage your visits:

  • view airport lounges available to you,
  • access your Digital Card and hundreds of discount offers,
  • track your visit entitlement and visit usage,
  • see the lounges you have visited.

The offer of Vilnius International Airport is available here.

Lounge visit fees:

  • For Platinum card holders - 28 EUR per visit
  • For persons accompanying Platinum cardholder as a guest - 28 EUR per visit

Important!

Card holder will be charged for each lounge visit directly to their Platinum card when entering the lounge.

You can find the terms and conditions on LoungeKey.com or the mobile app.

Extra package

  • You can enjoy 20 free airport lounge visits per calendar year with the Platinum Extra package.
  • Extra package is optional and costs 180 EUR a year.
  • Apply for Extra package when activating your card via Internet Banking or by getting in touch with the bank.
  • Access to the airport lounges will be available in the next day after activating this service.
Regarding the terms of use of LoungeKey™ and Boingo services
Boingo Wi-Fi for MasterCard® Cardholders and LoungeKey services will be available for use starting from 10th August.

Boingo Wi-Fi for MasterCard® Cardholders: Share your unforgettable experiences with premium quality Wi-Fi access at more than 1 million hotspots worldwide, at no added cost to you as a Platinum credit card cardholder.

  • Stay connected on up to four devices including mobile phones, tablets and laptops.
  • Save time and spare the hassle with the Boingo Wi-Finder mobile app – it helps you locate nearby hotspots and gets you connected in just a few clicks.
  • Access 24/7 customer support via email, phone, chat and social media.
  • To use the service, please register and create your customer profile at mastercard.boingo.com.
  • Locate accessible hotspots by visiting http://wifi.boingo.com or downloading the MasterCard Boingo Wi-Finder app. Find the map of hotspots on the website or use the Wi-Finder hotspot locator in the mobile app.
  • Register your card only once and after that connections will be automatic.

*Terms and conditions apply. Boingo Wi-Fi for MasterCard® for Cardholders services provided by Boingo Wireless, Inc. See mastercard.boingo.com for full details.

Regarding the terms of use of LoungeKey™ and Boingo services
  • Bicycle got stolen
  • Child tore their winter parka in kindergarten
  • Glasses got broken
  • Computer got damaged
  • Skis got broken
  • Surfing equipment got damaged
  • And many more

Purchase insurance terms and conditions

  • Purchase insurance applies to goods purchased with credit card at stores and online.
  • It reimburses for expenses of repair or replacement of durable goods* in case of theft, damage or destruction even if it was done unintentionally by the card holder themselves.
  • It applies to most purchases incl. clothing, sports equipment, tech gadgets etc. for 180 days from the day of purchase.
  • To file insurance claim, you need to present the 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.

Sums insured are determined for each insured item, insured event and calendar year.

  • 1000 EUR per one item
  • 2000 EUR per one insured event
  • 4000 EUR per one year
  • 400 EUR per special group of insured items *

* Computers, computer parts and external devices; mobile phones; glasses, incl. sunglasses; watches; unique items, jewellery (incl. precious stones, precious metals and pearls); items made of fur.

Farfetch

Global luxury digital marketplace, with over 700 boutiques and brands from around the world.

Mankind

High quality skin care, hair care and beard grooming products for man.

Preferred hotels & resorts

Stay 4 nights for the price of 3 and receive Elite I Prefer Status

Hotels.com

Valuable deals for bookings at independent and local chain hotels around the world.

Avis

Join Avis President’s Club for an even greater level of service, discounts and benefits

Hertz

Join Hertz Gold Plus Rewards for upgrades and up to 15% off all rentals

Farfetch

Farfetch exists for the love of fashion. It operates a truly global luxury digital marketplace, empowering individuality and connecting creators, curators and consumers worldwide.

A special offer for Mastercard World Elite Cardholders:

  • 10% off

Shop online at Farfetch.com and receive 10% off using code MASTERCARD10.
This discount is eligible on full-priced items only, minimum spend of EUR 200 is required.
Exclusions apply, full list can be found here.

Offer valid until 31 December 2020.

  • Free delivery

Shop online at Farfetch.com and receive free delivery using code MASTERFS.
This offer is eligible on full-priced items only, minimum spend of EUR 150 is required.
Exclusions apply, full list can be found here.

Offer valid until 31 March 2021.

In collaboration with:

Each offer cannot be used in conjunction with other promotional programmes, offers, discount cards, vouchers or VIP privileges.

Mankind

Mankind is the perfect way to top up your bathroom cabinet or bedside table with the latest in skin care, hair care and beard grooming products without a single burden.

A special offer for Mastercard World Elite Cardholders:

  • 20% off with no minimum spend

Shop online at Mankind and enter code MASTER20 at the checkout and receive 20% off with no minimum spend per order.

Offer valid until 31 December 2020.

In collaboration with:

Cannot be used in conjunction with any other code offer. Exclusions apply –products which are excluded from this promotion you can see here.
Full terms and conditions of sale can be found here.

Preferred hotels & resorts

If you love luxury travel and hospitality, explore the world’s most desired destinations with these exclusive offers to Mastercard Platinum cardholders. Preferred Hotels & Resorts portfolio of more than 750 of the world’s finest independent hotels, resorts, and residences in 85 countries service discerning travellers who seek unique experiences, high quality standards, and infinite possibilities.

A special offer for Mastercard World Elite Cardholders:

  • Stay 4 nights for the price of 3 & receive Elite I Prefer Status

Room rate must be booked and paid for with a Mastercard Platinum credit card. Cardholder must book rate code MKTMSC to receive this special offer. Offer valid only when paid for with a valid Platinum credit card.

Offer valid for bookings completed before 31 March 2021.

In collaboration with:

All rates on site are per room, per night and not combinable with any other promotions or programs; some restrictions, such as minimum stays and blackout dates may apply.
Full terms and conditions can be found here.

Capra, Saas-Fee, Switzerland

Capra, Saas-Fee, Switzerland

Hotels.com

Hotels.com is a leading provider of hotel accommodation worldwide, offering booking services through its own network of localised websites and telephone call centres. Use this discount whether you’re planning a romantic weekend, time alone to unwind or a cultural experience with your family.

A special offer for Mastercard World Elite Cardholders:

  • 8%* off bookings at independent & local chain hotels

When booking hotel, use code MASTERCARD8 and pay with Mastercard Platinum credit card to enrol for the discount.

Offer validity period:
Book by 31 March 2021 for completed stays up to 30 September 2021

In collaboration with:

*List of excluded hotel brands see here.
Full terms and conditions can be found here.

Avis

World Elite cardholders can now enjoy complimentary Avis President’s Club membership, which includes benefits such as:

  • Priority service and priority reservations
  • Guaranteed single upgrade at airports & rail stations, single upgrades and double upgrades at weekends (subject to availability)
  • Coupon for free weekend rental after three rentals
  • Free additional driver and guaranteed car when reserved within 48 hours of pick-up
  • Up to 35% discount for AVIS car rentals

Platinum credit card holders can access Avis President’s Club benefits in 3 easy steps.

Step 1:

Register on the website www.avispreferred.eu using your email address, and enter the promotional code Mastercard World Elite*.

Each cardholder can only register once. The cardholder then completes the registration form on the following pages.

During the enrolment process, cardholders are asked to register their Mastercard Platinum Credit Card and driving license number to complete the registration.

Step 2:

Membership confirmation is sent to cardholders from Avis Preferred with their unique membership number. The details will be delivered after the first car rental.

Step 3:

To rent a car, enter membership number and book here.

Offer validity period:
Ongoing until further notice

In collaboration with:

*Please note this cannot be used in conjunction with any other promotion.
Full terms and conditions can be found here.

Hertz

Join the prestigious Hertz Gold Plus Rewards programme and enjoy the following benefits:

  • Up to 15% discount on every car booked
  • Free one car class upgrade at participating locations (subject to availability)
  • Earn up to 900 Gold Plus Rewards bonus points upon enrolment
  • Free additional driver (spouse or domestic partner)
  • Bypass the queues and the counters at more than 50 of the world’s busiest airports
  • Expedited reservations, pick-ups and returns
  • Expedited Gold service at over 1,000 locations worldwide
  • Earn Gold Plus Rewards® Points for free car rental days around the world
  • 25% discount on child seats

World Elite credit card holders can access Hertz Gold Plus Rewards benefits in 4 easy steps.

Step 1: Register at Hertz Gold Plus Rewards here. Each cardholder may only register once.

Step 2: After registering, cardholders receive e-mail confirmation with their unique membership number and can print their membership card

Step 3: Make reservations here and enter membership number and print upgrade voucher

Step 4: On collection of vehicle, present membership number and Hertz Gold Plus Rewards Membership card at Hertz Desk

Offer validity period:
Valid until 31 December 2020

In collaboration with:

Terms and conditions for rental can be found here.

Back

Example of a standard annual percentage rate calculation

If you apply for a credit card with granted credit limit – 3000 EUR, when credit agreement period is 42 months, credit repayment period is 4 months, monthly amount of the principal of 750 EUR is paid, also fixed annual credit interest rate of 13% 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 (12 EUR) (from October 1st – 16 EUR) and one-time card issuing fee (5 EUR) is paid, then, the total consumer credit annual percentage rate would be:

Until 2020.10.01 From 2020.10.01
Total consumer credit annual percentage rate 19,39% 21,14%
Total amount paid by the consumer loan receiver 4 794,38 Eur 4 938,38 Eur

The annual rate of the total consumer credit annual percentage rate and the total amount paid by the consumer loan receiver are calculated assuming that the bank pays the full Loan amount to the receiver on the day of signing the Credit Agreement and this amount is not repaid until the Credit Limit expires. In accordance with the terms and conditions set forth in the Credit Agreement, the credit limit funds will be used for credit card purchases (the most common way of using credit limit funds), the annual interest rate, fees and other expenses will remain the same as at the time of concluding the Credit Agreement and will continue to apply until the end of the Credit Agreement.

Travel and purchase insurance services are provided by Swedbank P&C Insurance, AS, Lithuanian branch.

Boingo services provided by Boingo Wireless, Inc. See mastercard.boingo.com for full details.

LoungeKey™ services provided by Lounge Key Ltd. The terms and rates are available at LoungeKey.com or the LoungeKey™ app.

Works like instalments: useful for bigger purchases or unforeseen expenses

Best choice for your purchases and occasional travels abroad.

Gives you travel insurance for the whole family and protects most of your purchases.

Insure your credit card repayments and get financial safety in case you unexpectedly fall ill or loose your job.

If you have any questions, contact us

In case of insured event

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

Report damage

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