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How you benefit from cashback

Cashback means that you will get money back for the purchases you pay with your credit card. You can earn cashback by charging your purchases to your card’s credit facility. We credit the cashback you have earned to your credit account on a monthly basis. 

With Nordea cards that offer cashback, the standard reward rate is 0.5%. We may also offer increased rewards for a limited time.

Remember that if you use your credit card excessively, you may end up taking on more debt that you can manage. If you pay off your outstanding credit balance within 30 days, you won’t need to pay interest or other fees for the used credit. Even if you repay the credit right away, you will still earn cashback.

Test the cashback calculator

With Nordea cards, the standard cashback rate is 0.5%. You receive cashback for all purchases paid on credit, excluding cash transfers and gambling. You can earn up to 150 euros in cashback per calendar year per card. 

Discover our cashback cards

The cashback benefit is currently available with our Nordea Platinum card and our Nordea Black card for Private Banking customers. From 1 May 2026, the benefit will also be available with both new and existing Nordea Gold cards.

  • Nordea Gold
  • Nordea Platinum
  • Nordea Black

  • Nordea Gold
  • Nordea Platinum
  • Nordea Black

  • Nordea Gold
  • Nordea Platinum
  • Nordea Black
Nordea GoldNordea PlatinumNordea Black
Cashback benefits   
0.5% cashback on all credit card purchases
0.5% cashback on all credit card purchases
0.7% cashback on currency payments
0.7% cashback on currency payments
1.0% cashback on restaurants, events and other summer experiences
1.0% cashback on restaurants, events and other summer experiences
Discover Nordea GoldDiscover Nordea PlatinumDiscover Nordea Black

Earn 1.0% cashback on summer experiences

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Our cards that come with the cashback benefit offer you an increased cashback rate of 1% at restaurants, cafés, concerts, festivals, sporting events, museums, exhibitions and amusement parks.

Read more about the summer benefit

0.7% cashback on foreign currency purchases

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With Nordea Platinum and Nordea Black, you receive 0.7% in cashback on purchases made in foreign currencies outside the euro area. This cashback rate is valid until further notice. 

You earn cashback when you pay for purchases on credit, for example in Sweden, the United Kingdom or the United States.

Cashback is part of our Loyalty Programme

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Cashback rewards are part of our extensive Loyalty Programme, helping you save up to hundreds of euros each year. 

Choose us for all your banking needs to get cards and daily services at a lower cost. 

Explore our Loyalty Programme

 

Frequently asked questions about cashback

Credit card costs
Calculation for Nordea Platinum
Calculation for Nordea Gold
Calculation for Nordea Black

Annual percentage rate on credit

Note that we charge interest on credit card payments if you don’t pay off your credit balance within 30 days. If you withdraw cash or transfer money to your bank account, we will charge interest starting from the withdrawal date.

Take a look at our example calculations of the annual percentage rate for different credit cards. 

Read more about annual percentage rate

Example calculation for Nordea Platinum

With a Nordea Platinum credit card, the annual percentage rate for an outstanding credit balance of 1,500 euros is 17% when the 3-month Euribor reference rate is 2.08% (April 2026). The calculation assumes that you have opted for the free e-invoice, repay the credit in 12 monthly instalments (133 euros) and pay 2.99 euros per month for the credit facility. The calculation does not include any additional services included in the total monthly fee for the card. The estimated total cost of the credit is 1,632 euros.

The creditor is Nordea Bank Abp, Satamaradankatu 5, Helsinki, or Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki.

Example calculation for Nordea Gold

With a Nordea Gold credit card, the annual percentage rate for an outstanding credit balance of 1,500 euros is 22.1% when the 3-month Euribor reference rate is 2.08% (April 2026). The calculation assumes that you have opted for the free e-invoice, repay the credit in 12 monthly instalments (133 euros) and pay 2.99 euros per month for the credit facility. The calculation does not include any additional services included in the total monthly fee for the card. The estimated total cost of the credit is 1,669 euros.

The creditor is Nordea Bank Abp, Satamaradankatu 5, Helsinki, or Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki.

Example calculation for Nordea Black

With a Nordea Black credit card, the actual annual percentage rate of charge for an outstanding credit balance of 1,500 euros is 19,28% when the 3-month Euribor reference rate is 3,89% (07/2024), 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 (137 euros). The estimated total cost of the credit is 1,648 euros. The calculation assumes that the customer pays no fee for the principal card. The creditor is Nordea Bank Abp, Satamaradankatu 5, Helsinki, or Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki.

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