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Revolving credit card

Convenient for both shopping and occasional travels abroad

  • 180-day purchase insurance for most items purchased with credit card in shops and online.
  • 25-days interest-free period.
  • Basic travel insurance for you and family members travelling together.
  • Credit limit from 300 EUR.
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.

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 300 EUR
  • 180-day purchases insurance is valid for most items purchased with credit card payment or by transfer from a credit card account.
  • Book and pay for hotels and use car rental services.
  • 25 days interest-free period for used credit card limit.
  • Please notice! The interest-free period does not apply to cash withdrawals or credit transfers.
  • Basic travel insurance for you and family members travelling together. Travel insurance condition can be found here.
  • 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, 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 the amount of transaction within 25 days from the day of transaction.
  • 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.


  • 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.


  • 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.

Standard Credit Card issue and administration fees (Mastercard Standard)

Valid from 2021-02-01

Name of the service or transaction Fee in EUR1
Credit card fees
Card validity 3 years
Card administration fee2 1.44 euros/month
Card issuing at the branch fee3 EUR 5
Card issuing by mail fee3 EUR 2
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 provided4 2%, min EUR 3
Currency exchange fee when transaction is made not in euro5 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 request4:
card payment in Lithuania EUR 1.45
card payment abroad EUR 5.79
Fees of other services
Monthly fee (Security Programme) 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 daily transaction limits6
Total allowance for payments for good and services EUR 4,350
Total allowance for cash withdrawals EUR 2,030
Total allowance for ATM payments EUR 2,030

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
4The fee is debited from the credit limit of the account
5When 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. Currency exchange fees can be calculated using a currency exchange calculator accessible in Bank‘s webpage:
6At the request of the client, the total daily transaction limits may be changed.

Classic Card service terms and conditions (Mastercard Standard)

Name of the service or transaction Service terms and conditions EUR7
Terms and conditions of other services in the basket
Security programme
- 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 benefits
Medical expenses EUR 50,000
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
Minimum overdraft EUR 300
Period during which interest for used overdraft is not paid (in calendar days from the purchase by a payment card) 25 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.

  • Bicycle was stolen.
  • Child broke his winter parka in kindergarten.
  • Glasses were broken.
  • Skis were broken.
  • Surfing equipment was damaged.
  • And many more.

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.

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 42 months, credit repayment period is 4 months, monthly amount of the principal of 250 EUR is paid, also fixed annual credit interest rate of 18% 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 (1,44 EUR) and one-time card issuing fee (3 EUR) is paid, then, the total consumer credit annual percentage rate would be 22.9 %, and the total amount paid by the consumer loan receiver would be 1698 EUR.

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

Find out in what cases and what goods are covered by the credit card purchase insurance.

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Works like hire purchase - useful for bigger purchases.

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

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.

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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