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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.

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.

We credit the cashback you have earned to your credit account on a monthly basis. This means that you won’t see the cashback in your credit account immediately after your purchase, as it will be paid to you when the next invoicing period starts. 

Cashback examples

  • If you spend 200 euros on groceries or clothing, you get 1 euro back.
  • If you spend 1,000 euros on home electronics, you get 5 euros back.
  • If you spend 2,500 euros on credit card purchases each month, you get 12.50 euros back per month. Over the course of a year, this add ups to 150 euros,, which is the maximum annual cashback amount you can earn per card.

An economical way to use your credit card

If you use your credit card excessively, you may end up taking on too much debt. When you pay with your credit card, it’s sensible to pay back what you owe within 30 days to avoid accruing interest or other costs.

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
Discover Nordea GoldDiscover Nordea PlatinumDiscover Nordea Black

0.7% cashback on foreign currency purchases

Credit card and aircraft - 640x360

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.

Which credit card is right for you?

Nordea credit cards - small

With our wide range of cards, you will easily find one that meets your needs.

We have put together a comparison of our credit cards to better illustrate the perks and features included in each card.

Compare our cards

 

Frequently asked questions about cashback

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

Credit card costs and annual percentage rate

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

Read on to find our example calculations of the annual percentage rate for different credit cards. Besides interest expenses, the calculations include the fees charged for the credit facility, which makes them useful if you want to compare the costs of different loans and credit facilities.

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 12.1% when the 3-month Euribor reference rate is 1.98% (June 2025), the monthly account management fee is 0 euros, you have opted for the free e-invoice and repay the credit in 12 monthly instalments (133 euros). The estimated total cost of the credit is 1,595 euros. The calculation assumes that the monthly fee is 0 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 actual annual percentage rate of charge for an outstanding credit balance of 1,500 euros is 12,52% when the 3-month Euribor reference rate is 2,36% (04/2025), 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 1,598 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.

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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Personal customers