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Credit cards

Nordea CreditNordea GoldStockmann MCFinnair Plus MCTUOHI MC
Credit limit
1.000-
5.000 e
2.000-
10.000 e
500-
10.000 e
1.000-
8.500 e
1.000-
10.000 e
Interest
3 kk euribor
+ 8,5 %
3 kk euribor
+ 7,5 %
3 kk euribor
+ 10 %
3 kk euribor
+ 9,0 %
3 kk euribor
+ 12,0 %
Annual/monthly feeDepends on the Customer Programme levelDepends on the Customer Programme levelEUR 0.00 per year
Tariff
EUR 60.00 per year
Tariff
EUR 0.00 per year
Tariff
Interest-free payment periodAverage
30 days 
Average
30 days 
Average
30 days 
Average
30 days 
Average
30 days 
Instalment-free months
2 months per year,
not successive
2 months per year,
not successive
2 months per year,
not successive
2 months per year,
not successive
2 months per year,
not successive
Select the due dateYesYesYesYesYes
Account management fee
EUR 2.50 per month if there is outstanding credit balanceEUR 2.50 per month if there is outstanding credit balanceEUR 3.50 per month if there is outstanding credit balanceNo5.00 euros per month when the account has an outstanding credit balance or transactions 
Purchases and cash withdrawals from a bank account in Finland and abroadYes, if credit/debit combination cardYes, if credit/debit combination cardYes, if credit/debit combination cardYes, if credit/debit combination cardNo
Spending limit for a parallel cardYesYesYesYesYes
Contactless payment
Yes (with the combination card’s debit facility)Yes (with the combination card’s debit facility)Yes (with the card’s credit facility)Yes (with the card’s credit facility)No
Own digital photo or a gallery photo to the cardYesYesNoNoNo
Cooperation partners' loyal customer bonus

Yes

(You can include K-Plussa feature to your card)

Yes

(You can include K-Plussa feature to your card)

YesYesNo
Nordea's Netbank services, incl. card transaction monitoringYesYesYesYesYes
Secure online paymentMastercard SecureCodeMastercard SecureCodeMastercard SecureCodeMastercard SecureCodeMastercard SecureCode
Product Safety InsuranceYesYesNoNo

No

PriceGuard Insurance and changing extra benefits 

Travel Insurance and for trips abroad and Emergency Services

No  YesNoTravel insurance for trips abroad and cash withdrawal insurance when the trip has been paid with the credit facility in full
No
Annual percentage rate of charge, incl. costs
*
12.9% (Key Customer)
11.8%
(Key Customer)
16,3 %17,6 %21,1 %

*The calculation is based on a credit of EUR 1,500 in use and the 3-month Euribor (December 2014), and it includes the account management fee, if any, and the annual fee for the principal card. 

Debit cards

Cards with which you pay for your purchases at once (bank account)
Nordea DebitNordea Electron
Monthly fee
Depends on the
Customer Programme level 
Depends on the
Customer Programme level 
Own digital photo or a gallery photoYesYes (if there is no K-Plussa feature on the card)
Safe online payment serviceYes,
Verified by Visa
Yes,
Verified by Visa
Payments from bank account also when abroadYesYes
Cash withdrawals from bank account also when abroadYesYes
Daily withdrawal and payment limitsYes, withdrawal limits in Finland and abroad, payment limits for express payments at Nordea's payment ATMs in FinlandYes, withdrawal limits for cash withdrawals in Finland and abroad,  payment limits for purchases in Finland and abroad and for express payments at Nordea's payment ATMs in Finland
Cooperation partners' loyal customer bonus
No

Yes

(Optional K-Plussa feature)

Contactless Payment
YesYes
Card to minorsYes, to a 16-year-old or older who receives earned incomeYes
Netbank servicesYesYes
Use at Nordea's payment ATMsYesYes