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Make use of credit card benefits every day

  • 180-day purchase insurance for most goods
  • Credit limit with interest-free period
  • Travel insurance for the whole family.

Please note, that by the use of 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 card comparison

* The interest-free period does not apply to cash withdrawals and credit transfers

* The interest rate is fixed individually when issuing a credit card.

It is required to have bank account to acquire a credit card.

Typical example of an APR calculation

For Classic and Gold credit cards:

For a credit of EUR 1,500, 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 1.44/month for the Classic card, EUR 3.47/month for the Gold card), 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:

  • 21.7% for the Classic Credit Card and the total amount payable by the borrower would be EUR 1670.90.
  • 24.2% for the Gold Credit Card and the total amount payable by the borrower would be EUR 1695.26.

For the Platinum credit card:

For a credit of EUR 3,000, at a fixed interest rate of 13% p.a., with a minimum daily service fee set by the Bank (EUR 1/month), a monthly card administration fee (at EUR 16/month), 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 26.55%, and the total amount payable by the borrower would be EUR 3,387.93.

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.

  • 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.

Standard Credit Card issue and administration fees (Mastercard Standard)

Valid from 2023-12-07

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
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 2%, min EUR 3
Currency exchange fee when transaction is made not in euro6 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 request5:
card payment in Lithuania EUR 1.45
card payment abroad EUR 5.79
Fees of other services
Monthly fee (Security Programme)7 EUR 0
Blocking 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 limits8
Total allowance for payments for good and services EUR 4,350 per day
Total allowance for ATM cash withdrawals EUR 2,030 per day but not more than EUR 10,000 per calendar month9
Total allowance for ATM deposits EUR 7,500 per calendar month9

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.
5The fee is debited from the credit limit of the account
6When 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“ 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
7Security Programme is valid for credit card agreements signed until 31.08.2023.
8At the request of the client, the daily transaction limits may be changed.
9This is the total limit applicable to all accounts of the same customer and the cards linked to these accounts.

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 programme7
- 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 conditions11:
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

10Detailed information on travel and shopping insurance can be found on the Bank’s website and at the branches.
11Does not apply to changing the payment day, linked account and overdraft terms and conditions at Bank’s initiative.

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.

Platinum Credit Card issue and administration fees (Mastercard Platinum)

Valid from 2023-12-07

Name of the service or transaction Fee in EUR1
Credit card fees
Card validity 3 years
Card administration fee EUR 16 /month
Card issuing at the branch fee2 EUR 5
Card issuing by mail fee2 EUR 2
Urgent card delivery3 EUR 30
Payment for a purchase or a service Free
Cash withdrawal at ATM’s and other places where this service is provided4:
Up to EUR 1,000 per calendar month Free
Above EUR 1,000 per calendar month 2%
Currency exchange fee when transaction is made not in euro5:
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 request:
card payment in Lithuania6 EUR 1.45
card payment abroad6 EUR 5.79
Other service fees
Blocking a lost card Free
Travel insurance Free
Shopping insurance Free
Additional service package annual fee7 (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 transaction limits8
Total allowance for payments for good and services EUR 17,400 per day
Total allowance for ATM cash withdrawals EUR 2,900 per day but not more than EUR 10,000 per calendar month9
Total allowance for ATM deposits EUR 7,500 per calendar month9

1All fees are debited from the client’s account at the Bank, unless stated otherwise in the Fees and the credit card agreement.
2Applies for new, renewed and replaced cards. Renewed card can be sent by post with „Swedbank“, AB decision without separate customer request.
3For 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.
4Except Perlas terminals, where cash withdrawal fee of 2%, min. EUR 3 is applied for each cash withdrawal transaction.
5When 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“ 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.
6The fee is debited from the credit limit of the account.
7Fee applied to Mastercard Platinum provides 20 free airport lounge visits for cardholder per calendar year. When booking an additional service package, guests visiting airport lounges are charged a one-off visit fee.
8At the request of the client, the total daily transaction limits may be changed.
9This is the total limit applicable to all accounts of the same customer and the cards linked to these accounts.

Platinum Credit Card service terms and conditions

Name of the service or transaction Service terms and conditions EUR
Travel insurance services and benefits10
Insurance coverage Amount per single insured
Medical expenses and repatriation insurance EUR 750,000
Accident insurance EUR 20,000
Insurance protection10 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
Casco insurance for leased vehicles EUR 40,000 (EUR 250 deduction)
Shopping insurance benefits10
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 conditions11:
At a branch EUR 8.69
Online EUR 1
Period during which interest is not paid for used credit limit12 Until the 20th of the next month (up to 50 calendar days)

10Detailed information on travel and shopping insurance can be found on the Bank’s website and at the branches.
11Does not apply to changing the payment day, linked account and overdraft terms and conditions at Bank’s initiative.
12Valid for overdraft used to pay for purchases made by card.

Full credit card pricelist can be found here.

Card transactions in foreign currency (calculator)

document Payment Card user's memo

Please note that 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. We recommend taking care in advance that the amount sufficient for the execution of payments is available in the account.

 If you have lost your card or it is stolen, please block your card easily in our Internet Bank, Swedbank app or call +370 5 268 4444 or 1884.

We want to make online shopping safer for you. That’s why the internet shopping option must be activated in case of each MasterCard and Visa cards that have been issued by Swedbank and are used to make purchases online.

Read more about internet shopping.

  • Before you make a purchase online, make sure the store is safe.
  • Try to find out more information about merchant. Every website should have information about the name and location of the company and an e-mail address and telephone number to use, should you have any problems. There should also be information about deliveries and returns, the procedure for submitting complaints as well as warranty terms and conditions. Don’t fall for discounts that seem to be too unrealistic.
  • Use a welcome text in the Internet shopping programme that is as personalised as possible. Every time you make a purchase online, ensure that the welcome text is the same as the one you set when you signed up to the programme.
  • If you only rarely make purchases online using your bank card, we advise you to activate the Internet shopping option only for the moment of making the purchase.
  • In case of renewed or replaced card the linkage to the selected e-wallets and various service providers will be retained when you activate your new card.
  • You can protect your money by choosing usage limits that suit you.
  • You can set separate limits for purchases, cash and payment transactions.
  • You can change Usage Limits in Internet bank under My Cards or in the Swedbank app.
  • Make sure you always know where your bank card is. If you pay by card, do not let the person serving you take it to a back room on their own, because your card data can be stolen.
  • If you lose your card, immediately block it via the mobile app or internet bank. You can unblock or replace the card within 10 days.
  • It is not recommended, to send your card number by post or give it on the telephone when making a purchase, because your card data could be used for fraudulent transactions, but if there are no other possibilities, please, be extra careful.
  • Be careful when using the ATMs of other banks. Some ATMs return your card before dispensing the money. Make sure you have your bank card and the requested amount of cash before you leave the ATM.
  • Only the person whose name appears on the card, may use the card. Do not let anyone, even a close person, to use your card.
  • Always check the transaction amount that you are approving with the card.
  • Follow up your card transactions regularly in your internet bank or in the Swedbank app. If any transaction seems suspicious, please contact the bank.
  • When you get your bank card, you will also receive a PIN that is known only to you.
  • Do not tell or show it to anyone.
  • Memorize it, do not write your PIN on the card or anywhere else where it can be seen by others.
  • New! You can now check your card’s PIN code in Swedbank app. Its easy and will help you greatly if you forget your original PIN or cannot remember it after changing. Your PIN is visible to you only, not even bank employees are able to access it. These security measures are ensured by a special solution, meeting highest security standards set by PCI Security Standards Council, and organizations of Mastercard and VISA.
  • Do not tell your PIN to anyone, not even to bank employees.
  • Try to enter your PIN so that no one else can see it, because your card could be stolen and used by somebody else. If the payment with a stolen card is confirmed with the PIN, it is the customer’s liability.
  • If you suspect that your PIN has become known to someone else or if the bank has notified you of the need to change your PIN, you must change it immediately. You can do so at any Swedbank ATM.
  • When selecting your PIN, do not re-use your old PIN. Do not use identical codes for different cards for the purpose of memorising them.

Fixed payment credit card
  • Useful if you'll need money for bigger purchases or unforeseen expenses.
  • Repayment of used credit limit by equal instalments every month.
  • 180 days purchase insurance applies for most goods purchased with credit card or by payment from credit card account.
  • Credit limit from 300 EUR.

documentPurchase insurance terms and conditions

New Fixed payment credit cards are no longer issued from 16.06.2022. Cards expiring 31.08.2023 and later will not be automatically renewed, but still will be replaced in case stolen, lost or upon customer request.

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.
  1. Pay digitally. It helps you track your expenses, set the limits for certain expense categories, and identify where you can manage your consumption habits.
  2. 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.
  3. 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

  • 0
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If you paid by card, you could save

  • 0
  • 0

Source: Lindgreen, E.R., van Schendel, M., Jonker, N. et al. (2018); Hanegraaf, R., Larçin, A., Jonker, N. et al (2020)
  • What are the conditions for obtaining a credit card?
    A credit card of private persons may be obtained by an adult customer who has a bank account, has been working for at least 6 months in a well-established company, whose probation period has expired and whose monthly salary is at least EUR 450 (after taxes). If a credit card is obtained together with a co-borrower for family needs, total income of the family (co-borrowers) after taxes must be not smaller than EUR 1100. The possibility to grant a credit card is determined individually after filing by the customer of an application for issuing a credit card and after assessing the customer’s financial situation and the possibilities to grant the credit.
  • How to fill an application for obtaining a credit card?
    Applications for credit cards (likewise for other consumer loans) may be filed only between 07:00 and 22:00 (at night applications are not accepted).
  • How long does it take to examine the application and to obtain the card?
    After completing the application, depending on the data available about the customer, the taking of the decision can last from several minutes (for customers received a personally calculated offer) to 1-3 business days. The customer is informed by SMS, Internet Bank message or phone.
  • What interest is offered when acquiring a credit card?
    Interest of credit cards depends on the particular credit card type and individual customer’s assessment. Interest on Standard and Golden credit cards may be from 17%, Platinum cards – from 12%.
  • How is interest calculated on the used credit limit?
    Interest on used and outstanding credit is calculated every day. Interest accrued until the payment day during the month is debited from the servicing bank account. Interest calculated every day is rounded according to the arithmetic rounding rules.
  • When does the interest payment deferral period apply?
    Interest calculation on used credit funds is deferred when the customer pays for goods and services at POS or makes online purchases and enters the data of the card.
  • What fees are charged for payment with a credit card for purchases made in stores and online?
    Payment with a credit card, as well as with a debit card, for Customers is free of charge. It should be noted that when payment s made in the currency other than euro, the currency exchange fee of the fixed amount (2.45%) may be charged. The fee is not applicable for non-euro transactions with Gold and Platinum credit cards up to EUR 10.000 per month. Furthermore, after the credit deferral period the contractual interest rate is charged on used and not repaid funds of the credit.
  • How to change the day of payment of the credit card’s interest?
    The most convenient way to change the credit card’s interest payment day is to connect to the Internet Bank (in the Internet Bank section “My cards” –“Card agreement and changes”). Please note that the payment day cannot be changed at night time (from 22:00 until 07:00) and on the fixed date of payment.
  • When will my travel insurance be valid if I have a credit card and am going abroad?
    The insurance will be valid if during travel you have a valid Classic, Gold and Platinum card.
  • What should I do if I lose my credit card?
    If you lose the credit card, you should immediately contact the Bank and block the card. If you think that there is a possibility to find the card, you can temporarily block the card in your mobile app or in the Internet Bank – when the card blocked this way is not unblocked within 10 days, the card will be closed without the possibility of unblocking. If the card is lost or finally blocked, you should call the Bank during business hours or visit the nearest branch and order the replacement of the card.
  • Will my card be automatically extended? Where can I receive it?

    When the expiry date of the card approaches (around 70 days before its expiry date), each credit card holder is preliminary assessed in respect of extension of the credit cards: whether the credit card held meets the current conditions (has at least the minimum credit limit, whether a card of such type is still issued); how the customer fulfils the obligations and what is the customer’s financial situation. Customers who meet the criteria for responsible lending are informed that they have to submit an application for card renewal. They can do it in the Internet Bank section "My cards" - "Application for card renewal". We may need to ask for additional information and in some cases a spouse can be included for family solvency evaluation.

    The card reaches customers in the middle of the last month before current card expiry – the customers who have ordered to receive the card by post will simply have to activate the card in the Internet Bank. The old card’s PIN will be used for the renewed card.

    The customers are informed about non-extension of the credit card one month before the expiry date of the credit card.

  • Can I deposit/withdraw cash in an ATM with the credit card?
    You can deposit and withdraw cash in an ATMs with the credit card.We recommend the customers, if possible, to pay with a credit card, because in the case of payments with the credit card the interest deferral period and purchase insurance is applied to many purchases.
  • How to change the credit card’s limit?
    A credit card of private persons may be obtained by an adult customer who has a bank account, has been working for at least 6 months in a well-established company, whose probation period has expired and whose monthly salary is at least EUR 400 (after taxes). If a credit card is obtained together with a co-borrower for family needs, total income of the family (co-borrowers) after taxes must be not smaller than EUR 850. The possibility to grant a credit card is determined individually after filing by the customer of an application for issuing a credit card and after assessing the customer’s financial situation and the possibilities to grant the credit.
  • What safeguards are offered by the Bank to the customer who cannot cover the credit in due time?
    When acquiring the credit card the customers can separately obtain the insurance of credit card obligations which provides protection for the customers in the case of permanent illness or unemployment.
  • What should I do in order to reduce the credit instalment and extent the loan repayment term on expiry of the credit card agreement?
    In such case, you should file an application with the Bank on the refinancing of the used credit limit into another loan, e.g., a consumer loan.
  • What should I do in order to use make the travel insurance valid with the credit card?
    The insurance will be valid if during the travel you will have a valid Classic, Gold or Platinum card.
  • Where can I check the insurance covers provided to me?
    The terms and conditions of credit cards depend on the type of the available credit card – the Classic card is provided only with a basic travel insurance which includes only insurance of medical expenses, whereas the Platinum offers a widest insurance with the largest number of covers. You can check the terms and conditions of the credit card in Swedbank Internet Bank by selecting the card type description.
  • What family members travelling together also benefit from the insurance?
    The insurance of the card applies to the spouse or the person who lives together and maintains the common household, as well as children up to 18 years of age who travel together. In the case of the Gold and Platinum card the concept of insured persons is wider – the insurance cover applies to the spouse or the person who lives together and maintains the common household, as well as children and grandchildren up to 18 years of age, and if they are day time students – up to 21 years of age.
  • How long is the credit card’s travel insurance valid?
    The travel insurance is valid for 30 days of an uninterrupted trip for Classic cards and 90 days – for Golden and Platinum cards. The number of travels as well as toe total number of days of all trips is not limited.
  • How can I obtain an insurance policy?
    All customers who hold a credit card are covered by travel insurance, but the insurance policy is not issued – it is enough to have the card. If necessary, the customer may be print a confirmation of validity of the insurance terms and conditions in the internet bank section „My cards“ – such document might be required for customers who need a confirmation when applying for a visa of a foreign country (usually – Russian Federation).
  • When does purchase insurance apply?
    Insurance of purchases applies from the day on which the purchase is made and is valid for 180 days. The purchase must be made with a credit card or by payment order from the credit limit account.
  • How long is purchase insurance valid?
    Insurance of purchases is valid for 180 days.
  • Where can I check the insurance covers applicable to me?
    Insurance of purchases is offered with credit cards of all types, including the Fixed-payments credit card. You can check the terms and conditions of purchase insurance in the Internet Bank.
  • How can I obtain the insurance policy?
    The insurance policy is not issued for this service. Upon occurrence of the event, the form of the claim for damages should be submitted via the Internet Bank, and if there is no such a possibility – you should call the Bank by phone or visit its nearest branch.
  • What purchases are covered by purchase insurance?
    Insurance of purchases is valid for the majority of long-term end-use movable things acquired for personal or family needs, such as, for example: clothes, footwear, furniture, haberdashery, toys and household goods. More information about validity of the insurance cover is provided in the insurance terms and conditions published in the Internet Bank.
Before making a decision regarding the loan and its amount, we recommend to accurately assess your personal and/or your family financial possibilities. We recommend to allocate not more than 30-40% of your monthly income for monthly contributions aimed to cover your financial liabilities. Should you want to find more about the terms and conditions of the loan granting, to assess your personal financial situation in a more accurate manner or to ask questions related to the loan you are applying for, contact us via phone number +370 5 268 4444 or 1884 or visit us at the nearest Swedbank customer service branch.

Visa Platinum credit card
  • New cards no longer issued to customers from 09.07.2020.

Fixed payment credit card
  • New Fixed payment credit cards are no longer issued from 16.06.2022.
  • Read more

VISA Gold credit card
  • New VISA Gold cards no longer issued from 24-09-2020.
  • On 30-09-2022 we will close all VISA cards. From 01-10-2022, customers will not be able to pay with Swedbank issued VISA cards.

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

Make daily payments quickly and easily, shop online and save money every time you pay by card.

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

 A card enabling additional money and extra credit for company.

Take stock of your financial health and get useful insights and advice.

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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