Visa Platinum credit card

Please be informed that starting from 9th July Swedbank is expanding collaboration with our long-term partner Mastercard.

  • As of this date, we will issue new Platinum credit cards as Mastercard cards.
  • If you have VISA Platinum credit card which expires in or before 08/2020 it will be still renewed to VISA Platinum credit card, but if your credit card expires in or after 09/2020 it will be renewed to MasterCard Platinum credit card.

Exclusive credit card, excellent choice for you business and leisure travelling

  • Swedbank's best travel insurance for you and family members. Rental car insurance included.
  • 180-day purchase insurance for most items purchased with credit card in shops and online.
  • Up to 50-day interest-free periood.
  • Automatic credit repayment possibility.
  • With extra package you'll have unlimited access to Priority Pass airport lounges all over the world.
  • Credit limit from 2000 EUR.
  • Credit limit from 2000 EUR
  • Swedbank's best travel insurance for the whole family: medical costs, CASCO for rental car, trip cancellation, and even your personal belongings will be covered.
  • Access to Priority Pass lounges at airports:
    • for holder of Visa Platinum card with extra package free of charge
    • for holder of Visa Platinum card without extra package 28 EUR per visit
    • for persons accompanying Visa Platinum cardholder 28 EUR per visit
  • 180-day purchases insurance is valid for most items purchased with credit card payment or by transfer from a credit card account.
  • Up to 50 days interest-free period for used credit card limit.
  • Please notice! The interest-free period does not apply to cash withdrawals and credit transfers.
  • Book and pay for hotels and use car rental services.
  • You can also take out extra cards for your family members with your Visa Platinum credit card. Each additional cardholder enjoys the same privileges as you.

Terms and conditions of travel insurance for New VISA Platinum

  • 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.
  • Choose to receive your card by post for free.
  • Activate internet shopping option.

When to pay back your used credit limit?

  • Interest is not calculated from the used credit limit from the purchase until the 20th day of each month.
  • How does the repayment work?
    On the repayment date, the used amount is automatically withheld from the account related to the card. If there are insufficient funds (in euros), the interest accruing starts and you can repay the used limit and interest anytime later.
  • 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.

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.

  • 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.

Important information regard to the virus COVID-19

Sickness and travel disruption because of COVID-19 as well as travel restriction due to acts of authorities are not covered by travel Insurance. Pandemic is not over and restrictions in countries can be reset unexpectedly.

  • Many expenses related with unwanted travel changes (flight cancellations, delays, travel interruption etc.).
  • 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.
  • Travel insurance applies for the cardholder and together travelling his / her family at no extra charge.
  • If you travel with your family just once a year, the travel insurance with Credit Card will pay off.

Mastercard Platinum credit card

Gold revolving credit card

Standard revolving credit card

Credit card fees 12 € (from 2020.10.01 – 16 €/month) 3.47 EUR/month
(EUR 41.64 per year), including travel insurance
1.44 EUR/month
(EUR 17.28 per year), including travel insurance
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 conditions 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.

  • Priority Pass allows travelling with extra comfort using business lounges in 1300+ airports all over the world.
  • The Priority Pass card is issued with your VISA Platinum and Mastercard Platinum (not issued as from 01.04.2018) credit card. It provides membership in the Priority Pass program and access to airport lounges with:
    • A pleasant place for relaxation wherever you may be going.
    • Selection of snacks and beverages.
    • Peace. Service. Spaciousness. Comfort.
    • Free Wi-Fi to keep in touch throughout the travel.
  • For holders of New Visa Platinum card with extra package - free of charge. Extra package is optional and costs €180 a year.
  • For holders of Visa Platinum card without extra package - €28per visit
  • For persons accompanying Visa Platinum cardholders - €28 per visit
  • Full list of services and the conditions vary by airport lounges.
  • You can check them in advance or while on a trip 24/7 at prioritypass.com or through the app.
    • Download the app to check each specific airport lounge’s offer, capacity of guests and the duration of stay, which may differ from lounge to lounge.
  • The offer of Vilnius International Airport is available here.

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) and one-time card issuing fee (12 EUR) is paid, then, the total consumer credit annual percentage rate would be 19.5 %, and the total amount paid by the consumer loan receiver would be 4798 EUR.

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

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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