- What is the annual percentage rate of charge (APR) for my credit card?
Nordea Gold
With a Nordea Gold credit card, the actual annual percentage rate of charge for an outstanding credit balance of 1,500 euros is 21,69% when the 3-month Euribor reference rate is 3,96% (12/2023), the monthly account management fee is 4.50 euros, the customer has opted for the free e-invoice and repays the credit in 12 monthly instalments (139 euros). The estimated total cost of the credit is 1666 euros. The calculation assumes that the customer has a Mobile Plus or Basic package and therefore gets the card with no monthly or annual fee. Nordea Gold Mastercard is an international charge and credit card and a continuous credit facility which is valid until further notice. The creditor is Nordea Bank Abp, Satamaradankatu 5, Helsinki, or Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki.
Nordea Credit
With a Nordea Credit credit card, the actual annual percentage rate of charge for an outstanding credit balance of 1,500 euros is 22,87% when the 3-month Euribor reference rate is 3,96% (12/2023), the monthly account management fee is 4.50 euros, the customer has opted for the free e-invoice and repays the credit in 12 monthly instalments (140 euros). The estimated total cost of the credit is 1674 euros. The calculation assumes that the customer has a Mobile Plus or Basic package and therefore gets the card with no monthly or annual fee. Nordea Credit Mastercard is an international charge and credit card and a continuous credit facility which is valid until further notice. The creditor is Nordea Bank Abp, Satamaradankatu 5, Helsinki, or Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki.
Nordea Premium
With a Nordea Premium credit card, the actual annual percentage rate of charge for an outstanding credit balance of 1,500 euros is 32,13% when the 3-month Euribor reference rate is 3,96% (12/2023), the monthly account management fee is 4.50 euros, the annual fee for the principal card is 90 euros, the customer has opted for the free e-invoice and repays the credit in 12 monthly instalments (145 euros). The estimated total cost of the credit is 1739 euros. Nordea Premium Mastercard is an international charge and credit card and a continuous credit facility which is valid until further notice. The creditor is Nordea Bank Abp, Satamaradankatu 5, Helsinki, or Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki.
Tuohi Mastercard
TUOHI Mastercard is an international charge and credit card. The annual percentage rate of charge on 1,500 euros of outstanding credit is 27,9 %, and the price of credit is 1,710 euros,when the nominal interest is the 3-month Euribor (01/2024) + 14 % and the monthly account management fee of 5 euros and the paper invoice fee of 3 euros have been taken into account. Tuohi is a continuous credit facility which is valid until further notice, with a credit limit of 2,000–10,000 euros. The credit is granted by Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki.
Stockmann Mastercard
Stockmann Mastercard is an international charge and credit card. The annual percentage rate of charge on 1,500 euros of outstanding credit is 24.4% and the price of credit is 1,685 euros, when the nominal interest rate is the 3-month Euribor (01/2024) + 12.5% and the monthly account management fee of 4 euros have been taken into account. Stockmann Mastercard is a continuous credit facility which is valid until further notice, with a credit limit of 1,500–10,000 euros. The credit is granted by Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki.
- What makes Nordea Gold our most popular card?
Nordea Gold Mastercard offers a multitude of benefits. Here’s what you get in one package:
- A combination card with flexibility to charge your purchases either to your credit account (credit) or bank account (debit). You can also add both sides to mobile payment apps, such as Apple Pay, Google Pay and Samsung Pay. That way you can decide between paying on credit and using your bank account even when you make the payment through your phone.
- International travel insurance when you pay at least 75% of your total travel and accommodation costs with your card’s credit facility.
- Product Safety Insurance, which protects items you purchase for your home or holiday home and pay with your card’s credit facility.
Read more about Nordea Gold Mastercard
- Can I add the Plussa feature to my credit card?
Yes. You can connect your Plussa membership to all Nordea credit cards. This will make it easy for you to pay for your purchases and collect Plussa points with just one card.
Find out how to add the Plussa feature to your Nordea card.
- Am I eligible for a credit card?
You can apply for a credit card from us if you:
- are aged 18 or older
- have a regular income and a good payment history
- have a clean credit record
- live permanently in Finland
- I’m a student. Can I get a credit card?
Yes. You can get a Nordea Gold credit card if you study in a higher education institution, such as a university or university of applied sciences.
You can apply for Nordea Gold as soon as you have been admitted to study. You don’t need to have any course credits or a regular income. Your student benefits will remain in force until you turn 31.
Your student credit card can provide you with a credit limit of up to 2,000 euros. In addition, Nordea Gold comes with international travel insurance as well as Product Safety Insurance, which protects items you purchase for your home.
Nordea Gold has no monthly fee for students as long as you have one of our daily banking packages.
Read more about credit cards for students
- How do I apply for a credit card?
You can apply for a new credit card in Nordea NetbankOpens new window.
If you want to apply for a Nordea Gold card, you can also do this in our mobile banking app Nordea Mobile. Here’s how you can submit an application in the app.
- How can I change my credit card limit?
You can increase the credit limit of your card in Nordea Mobile and Netbank.
- In Nordea Mobile or Netbank, select ‘Services’.
- Select ‘Credit and payment cards’ and then ‘Increase the credit limit of your Stockmann Mastercard’.
- Select ‘Apply for an increase’ and fill in the application form. We will get in touch with you once we have received your application.
Read more about how to increase your credit limit.
- How can I edit my credit card settings?
You can easily edit the settings of your credit card in our digital channels.
Simply go to Nordea Mobile or Netbank where you can change the due date of your credit card invoice, choose instalment-free months or edit your instalment percentage. If you want to apply for a higher credit limit, you can do it in Nordea Netbank.
Find out how to make changes to your credit card settings
You can also adjust your card’s security settings in our digital channels. You can enable and disable online payments and select the region in which your card can be used.
Find out how to make changes to your card’s security settings
- What should I do if I lose my credit card?
If you lose your credit card, you can block it temporarily or permanently in Nordea Mobile. You can also block your card by calling the card blocking service any time. See further instructions on how to block your card.
- What is the difference between a credit and a debit card?
When you pay with a credit card, your purchases are charged to a credit account. We offer a 30-day interest-free payment period on average with no extra charges for all purchases made with a credit card. We’ll send you an invoice once a month at the end of the invoicing period detailing the purchases you have made. You can then decide if you want to make the agreed minimum payment or pay off your full credit card balance – or something in between. If you decide to leave part of the balance unpaid, you will pay interest on the remaining balance as determined in the card terms and conditions.
All your credit card benefits, including insurance, apply when you make purchases using the credit facility of your card. The benefits will remain valid even if you pay off the entire balance after your purchase.
When you pay with a debit card, your purchases are charged to your bank account.
Most of our credit cards are combination cards, enabling you to use them as both credit and debit cards. When you pay with your card’s credit facility, the transaction is charged to your credit account. When you pay with the debit card, the transaction is charged to your bank account.
Read more about the differences between credit and debit cards