Gold credit card

For travel and for everyday needs!

365-day purchase insurance for most goods
No commission fee for cash withdrawal up to 500 EUR per month worldwide
30-days interest-free period
Credit limit from 600 EUR
Wide travel insurance for the whole family.

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.

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

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 600 EUR – use it as backup money or for larger purchases.
30-days interest-free period for used credit card limit. No interest will be calculated if You repay amount of the transaction within 30 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.

Extensive worldwide travel insurance package 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.
No mark-up fee for transactions in foreign currency up to 10 000 Eur per calendar month.
No commission fee for cash withdrawal up to 500 EUR per calendar month worldwide Important: other ATM service providers may apply their own fee for the service provided to you.
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.

When to pay back your used credit limit?

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.

Travel insurance

Many expenses related with unwanted travel changes (flight cancellations, delays, travel interruption etc.).
The limit for medical assistance per insured person is 1,000,000 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.
The insurance applies to the cardholder as well as to the spouse, life partner sharing the same household, and their minor children and grandchildren while they are travelling with cardholder. The insurance will cover the adult child or grandchild if they are up to 21 years of age (incl.), if they are a full-time pupil or student or have applied for full-time studies.
If you travel with your family just once a year, the travel insurance with Credit Card will pay off.

In case of insured event, read more here.

	Standard revolving credit card	Gold credit card	Platinum credit card
Credit card fees	2 EUR/month	5 EUR/month	16 EUR/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	1 000 000 EUR	1 000 000 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 delay (over 4 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	-	50 EUR (150 EUR for mobile phones, tablets, laptops) Excess applies to insured events related to property insurance, travel itinerary changes and liability and legal assistance insurance.	-
Coverage	Insurance cover applies automatically. 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.
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 (pdf)	document Travel insurance conditions (pdf)	document Travel insurance conditions (pdf)

Pricelist and conditions

Main and supplementary card’s monthly fee – 5 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)

Gold Credit Card issue and administration fees (Mastercard Gold)

Valid from 2025-11-01

Name of the service or transaction	Fee in EUR
Credit card fees
Card validity	3 years
Card administration fee	EUR/month 5
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:
Up to EUR 500 per calendar month	Free
Above EUR 500 per calendar month	2%
Cash withdrawal at Perlo terminals	2%, min. EUR 3 for each cash withdrawal transaction
Currency exchange fee when transaction is made not in euro:
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 Lithuania	EUR 1.45
card payment abroad	EUR 5.79
Monthly fee (Security Programme)	EUR 0
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 8,700 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 2,900 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

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 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
Period during which interest for used overdraft is not paid (in calendar days from the purchase by a payment card)	30 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.

FAQ

It is a payment card that you can use to pay for goods and services both in shops and online. It allows you to make purchases using the credit limit granted by the bank or your own funds transferred to a credit limit account. Its main advantage is the access to additional benefits such as shopping and travel insurance, etc.

Customers can use a credit card by transferring personal funds to a credit limit account or by using a credit limit granted by the bank.

An interest free period means that no interest is payable on purchases for a certain number of days (depending on the type of card) after the credit card has been used to pay for purchases online or in a physical shop. With the Gold Credit Card, this period is 30 days after each purchase. If you do not repay the amount used, interest on the credit limit starts to accrue from the 31st day.

No interest free period applies when paying by bank transfer, transferring money from a credit limit account or withdrawing money from an ATM.

Interest is only charged on the credit limit used, if you use your own funds transferred to your credit limit account, you only pay the monthly credit card administration fee, no other additional fees.

Both credit and debit cards are payment cards used to pay for goods and services.

You can use your personal funds or a credit limit granted by your bank to pay with a credit card. Whereas with a debit card you can only use your own money.

Another difference is that the Gold Credit Card gives you additional benefits such as shopping and travel insurance, free withdrawal limits at ATMs around the world, and free currency conversion fees when you pay with your credit card in another currency.

If you have a credit card, you will be pre-assessed for renewal of your credit cards as they approach their expiry date (approximately 70 days before the card expires), according to the responsible lending criteria:

whether the card you have meets the current conditions (it has at least the minimum credit limit, or whether the type of card is still issued);
the customer’s compliance with the obligations;
the financial situation of the customer based on the data available to the bank.

If you are found to be eligible, you will be informed that you need to apply for a card renewal. You can do this by logging in to your Internet Bank under “My Cards” – “Application for card renewal”.

When renewing a credit card contract, we need to assess your solvency, as we do for new credit. Therefore, you may need to provide additional documentation and, if necessary, include your spouse, so that we can grant the credit card after assessing your family’s income and liabilities.

The card will reach you by the middle of the last month of its validity. The card will be sent by post to the address you have provided. Please make sure that the address you have provided is correct, and you will be able to activate the card in your Internet Bank. The PIN-code of the previous car will be valid for the new card.

If it is found that the card cannot be renewed, you will be informed before the last month of validity.

You can apply for a new card by filling in an application form in the Internet Bank under “Cards” > “Credit cards”. Once your creditworthiness has been assessed and the application has been approved, the card will be sent by post to the contact address you have provided.

If you have lost your card, forgotten your PIN or are unable to use it for other reasons, you can request a replacement in the Internet Bank: “Card” > “My Cards” > “Replace Card”. The new credit card will have the same expiry date as the previous one. It will be sent by post to the contact address you have provided.

One of the benefits of the Gold Credit Card is travel insurance, which protects your whole family in case of unexpected events or expenses. The insurance is valid as long as you have a valid credit card at the time of travel, even if you paid for the trip itself with another card.

Travel insurance is also valid for family members: co-insured persons are the spouse travelling with the cardholder, the partner living together in the same household, as well as children and grandchildren. The child or grandchild of the insured person and the spouse/ partner is covered if the child/grandchild:

is up to and including 17 years of age; or
is up to and including the age of 21 years, a full-time pupil or student, or up to and including the age of 21 years, and has applied for full-time education (including vocational training).

To use your credit card to pay for online purchases, activate the “Online payment” function in the Internet Bank under “My Cards” or in the “Cards” > “Settings” section of the smartphone app.

A new card is produced and delivered within 14 days of a positive decision on the credit card.

You can check your card PIN in the Swedbank smartphone app by clicking on “PIN code” under “Cards”. You can also change it at your nearest Swedbank ATM by selecting “Other transactions” > “Change PIN”. The updated card works with the PIN of the previous card.

Select “Add to Apple Wallet” in the “Cards” section of the Swedbank smart app, read and agree to the terms and conditions of use. If you agree, your card will be added to your Apple Pay digital wallet.

In the Swedbank Smart App, under “Cards” > “Digital Wallets”, click “Manage” and select the card you want to add. Confirm this with your SMART-ID PIN2. Once you have done this, please read and accept the terms of use. You will receive a confirmation code by SMS, which you will need to enter in the “Digital Wallets” section and click “Continue”. To pay with Google Pay Digital Wallet, set it as your primary payment method.

Typical example of an APR calculation

For a Gold 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 5/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: 26.82% and the total amount payable by the borrower would be EUR 1713.50.

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.

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.

Terms and Conditions

Best choice for your purchases and occasional travels abroad.

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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Gold credit card

For travel and for everyday needs!

Explore Priceless benefits

Purchase insurance