Revolving credit card

Mobile app with Swedbank Credit Card displayed on phone screen

For shopping with confidence

365-day purchase insurance for most goods
25-days interest-free period
Credit limit from 300 EUR

Explore Priceless benefits

Your Swedbank card gives you access to Mastercard Priceless – a global platform with useful offers for leisure and travel!

Learn more

Explore Priceless benefits

Your Swedbank card gives you access to Mastercard Priceless – a global platform with useful offers for leisure and travel!

Enjoy:

Special offers for concerts, sports and cultural events
Travel benefits: comfort during your trip and local tours
Selected places to dine, shop or simply relax

Available for all Swedbank debit and credit cardholders.

Please note: the Priceless website does not provide information in Lithuanian.

Review the offers

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

Card properties

Credit limit from 300 EUR – use it as a financial reserve or for larger purchases.
25-days interest-free period for used credit card limit. No interest will be calculated if You repay amount of the transaction within 25 days from transaction date.
Please notice! The interest-free period does not apply to cash withdrawals and credit transfers.
Repay the credit limit at a time convenient for you and pay interest only on the credit limit you have used. The interest will be charged on the payment day.
Add your own funds and use your credit card as a daily payment method with no interest charged, while enjoying additional benefits.

Basic travel insurance for the cardholder and their family.
365-day purchases insurance is valid for most items purchased with credit card payment or by transfer from a credit card account.
Included event ticket insurance and online store shipping protection.
Access to Mastercard® Priceless Platform
Ability to book hotels and use car rental services.
The credit limit will come in handy for making a security deposit for a car rental, and no interest will be charged on it until the reservation is cancelled.
Option to get additional cards for family members – with the same benefits as the cardholder enjoys.

Card management through Internet Banking and the Swedbank mobile app – conveniently repay the credit limit, order a new card or block your current one, change the limits, view your PIN, and more.
In Swedbank mobile app you can see a list of places where your digitized card is linked to. Watch the tutorial
Cash deposits and withdrawals in ATMs.
Contactless payments with supported e-wallets (Apple Pay, Google Pay and others).
The credit card account is in EUR. If another currency is deposited, it will be automatically converted to EUR overnight at the bank's exchange rate.

Purchase insurance

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 (pdf)

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 incl. clothing, sports equipment, tech gadgets etc. for 365 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
- Desktop/laptop/tablet computers, their parts and external devices;
- mobile phones;
- glasses, including sunglasses;
- watches (including smartwatches);
- unique items, jewelry (including gemstones, precious metals and pearls);
- Items purchased online that were not delivered.
Deductible per insured event – 30 EUR

Note! The terms of purchase insurance included with credit cards will change on 1 November 2025. Review the new terms and conditions here.

What does it apply for?

If you or your family member cannot attend the scheduled event to which the tickets were bought due to your or their illness, death or accident, problems with transportation or other reasons listed in the terms and conditions, unused tickets will be refunded.
Insurance applies to event tickets in Lithuania, purchased by the credit card holder. Protection applies to events such as concerts, conferences, theatre, and sports events.

Tickets must be bought with your credit card or by transfer from credit card‘s account. The insurance is valid if the credit card agreement is in force continuously from the time of purchase of tickets to the insured event.
Total insured tickets amount per calendar year is EUR 1000.
The deductible is EUR 30. The deductible does not apply if the amount of the loss exceeds EUR 30.

Purchase insurance terms & conditions (PDF)
Purchase insurance information document (PDF)

In case of event

Report a damage
Call us +370 5 268 4444

The insurance services are provided by Swedbank P&C Insurance AS, in Lithuania acting through its Lithuanian branch.

What does it apply for?

This protection applies to online purchases, if they were delivered damaged or were not delivered at all, and merchant has refused to compensate your loss, resend or replace the product.

How does it work?

If an online purchase paid for by card was delivered damaged or not delivered at all and the seller refuses to compensate for the losses, submit card transaction claim In case of faulty delivery of goods and services „Swedbank“ recommends that cardholders dispute payments by cards if goods or services were not delivered, or if they were delivered damaged. To initiate the chargeback process, please send a message via the internet bank in the "Contacts" section, selecting the topic "Card transaction claim”. Fill in the required fields and send the message. For information: correspondence with the service provider / merchant must be provided to the Bank. via internet bank message within 90 days since date of purchasing or from date of promised delivery date, if it was provided by the merchant.
For card transaction claim compensation amount is the sum of your purchase.

Products that weren’t compensated by a card transaction claim or that were paid for using bank transfer are protected by Purchase insurance in accordance with the applicable insurance conditions. Report damage for Purchase insurance claim handling. Product needs to have a shipping tracking number.
The compensation amount cannot exceed the maximum Purchase Insurance amount.

Purchase insurance terms & conditions (PDF)
Purchase insurance information document (PDF)

In case of an event

First, contact seller to require loss compensation.

If seller refuses to compensate loss:

In case your online purchases were paid for by card, submit a card transaction claim via internet bank message.
If your loss was not compensated by a card transaction claim or purchase paid using bank transfer, report damage for Purchase insurance claim handling.

If you have any questions call us +370 5 268 4444.

The insurance services are provided by Swedbank P&C Insurance AS, in Lithuania acting through its Lithuanian branch.

Pricelist and conditions

Main and supplementary card’s monthly fee – 2 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.

Purchase insurance terms and conditions (pdf)
Travel insurance conditions (pdf)

Standard Credit Card issue and administration fees (Mastercard Standard)

Valid from 2025-11-01

Name of the service or transaction	Fee in EUR
Credit card fees
Card validity	3 years
Card administration fee	2 EUR/month
Card issuing at the branch fee	EUR 5
Card issuing by mail fee	EUR 2
Urgent card delivery	EUR 30
Payment for a purchase or a service	Free
Cash withdrawal at ATM’s and other places where this service is provided	2%, min EUR 3
Currency exchange fee when transaction is made not in euro	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 Lithuania	EUR 1.45
card payment abroad	EUR 5.79
Fees of other services
Monthly fee (Security Programme)	EUR 0
Blocking a lost card	Free
Travel insurance	Free
Purchase 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.
General transaction limits
Total allowance for payments for good and services	EUR 4,350 per day
Total allowance for ATM cash withdrawals (this is a general limit that applies to all accounts of the same customer and the cards linked to these accounts)	EUR 2,030 per day but not more than EUR 7,500 per calendar month
Total allowance for ATM deposits (this is a general limit that applies to all accounts of the same customer and the cards linked to these accounts)	EUR 7,500 per calendar month

Standard Credit Card service terms and conditions (Mastercard Standard)

Name of the service or transaction	Service terms and conditions EUR
Terms and conditions of other services in the basket
Security programme
- Period until the notification on card block	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 conditions:
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

Terms and conditions of fees:

1. All fees shall be debited from the customer's account with the Bank, unless otherwise specified in the Fees and the Credit Card Agreement.
2. The fee applies when issuing a new card, renewing a card, or replacing a lost or stolen card or at your request at a card issuing branch or by mail. A renewed card may be sent by mail at our discretion, i.e. without a separate request from you.
3. When delivering the card in an urgent manner, we will apply an urgent card delivery fee together with the standard card issuance fee for delivery by mail or the card issuance fee at a branch, depending on the card delivery option you have chosen.
4. At your request, we will deliver the card with your existing credit limit to a bank branch or to your specified address in Lithuania in an urgent manner by courier:

On the next business day, if the card was ordered before 1 p.m.;
Within two business days if the card was ordered after 1 p.m.;
In case the credit limit has not yet been granted to you, a new credit card will be delivered in the manner and within the time limits specified above after the decision on granting the credit limit has been made.

5. The fee for cash withdrawals at ATMs and other places where this service is provided will be debited from your account with the Bank on the payment date specified in the agreement each month, and the fee for receiving a copy of the account statement will be debited from your credit limit account.
6. We calculate the amount of currency exchange fee payable by you when a transaction (including cash withdrawal with a card) is performed in a currency other than euros by converting the transaction amount into euros. For the purpose of the conversion, we use the euro, and the relevant currency exchange rate set by Mastercard International on the transaction processing date and add the specified currency conversion fee (2.45%) to the amount. You can calculate the currency conversion fee yourself using the currency conversion calculator available on the Bank's website https://www.swedbank.lt/private/home/more/calculator.
7. Detailed information about travel and purchase insurance is available on the Bank's website and at Bank branches.
8. The Security Program applies to credit card agreements concluded before 31 August 2023.
9. We will not charge a fee for changing the Credit Limit Terms and Conditions when changing the payment date and the linked bank account.
10. The period during which you will not be charged interest on the credit limit used applies to the credit funds you pay for purchases made with your card.
11. At your request, the daily transaction limits may be changed.

How to Apply

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 600 (for Platinum credit card EUR 670) per month after tax. In case you have dependents, your income must be higher.
If a credit card is obtained for family needs, total income of the family must be not smaller than EUR 1000 (after taxes). In case you have dependents, your income must be higher.
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.

Sustainability

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.

New! From now all newly issued Revolving credit cards are made of recycled plastic!

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 Classic 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 2/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 21.99% and the total amount payable by the borrower would be EUR 1677.50.

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.

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

Swedbank‘s best travel insurance, access to airport lounges and rental car insurance.

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

Sending a message on internet banking
by email: info@swedbank.lt
by phone or

In case of insured event

call us by or .

Report damage

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Revolving credit card

For shopping with confidence

Explore Priceless benefits

Card properties

Purchase insurance