With our wide range of cards, you will easily find one that meets your needs. Looking for a variety of perks? Consider Nordea Platinum. Prefer a simple card with no monthly fee and no extras? Nordea Credit could be the perfect choice. Want something in between? Then Nordea Gold might be just right for you.
 Nordea PlatinumNordea Platinum |  Nordea GoldNordea Gold |  Nordea CreditNordea Credit | ||
|---|---|---|---|---|
| Interest and other costsInterest and other costs | ||||
| Annual interest rate Annual interest rate | ||||
| Annual interest rate Annual interest rate | Annual interest rate - 3-month Euribor + 9,5 % | Annual interest rate - 3-month Euribor + 9,5 % | Annual interest rate - 3-month Euribor + 10,5 % | |
| Monthly account management fee if you have interest-bearing balance Monthly account management fee if you have interest-bearing balance | ||||
| Monthly account management fee if you have interest-bearing balance Monthly account management fee if you have interest-bearing balance | Monthly account management fee if you have interest-bearing balance - 0 € | Monthly account management fee if you have interest-bearing balance - 4,50 € | Monthly account management fee if you have interest-bearing balance - 4,50 € | |
| Monthly fee for Premium Customers (package price) Monthly fee for Premium Customers (package price) | ||||
| Monthly fee for Premium Customers (package price) Monthly fee for Premium Customers (package price) | Monthly fee for Premium Customers (package price) - 5,99 € | Monthly fee for Premium Customers (package price) - 0 € | Monthly fee for Premium Customers (package price) - 0 € | |
| Monthly fee for other customers (package price) Monthly fee for other customers (package price) | ||||
| Monthly fee for other customers (package price) Monthly fee for other customers (package price) | Monthly fee for other customers (package price) - 16,99 € | Monthly fee for other customers (package price) - 0 € | Monthly fee for other customers (package price) - 0 € | |
| Monthly fee without a service package Monthly fee without a service package | ||||
| Monthly fee without a service package Monthly fee without a service package | Monthly fee without a service package - 16,99 € | Monthly fee without a service package - 2,50 € | Monthly fee without a service package - 2,50 € | |
| Monthly fee until 30 April 2026 (limited time offer) Monthly fee until 30 April 2026 (limited time offer) | ||||
| Monthly fee until 30 April 2026 (limited time offer) Monthly fee until 30 April 2026 (limited time offer) | Monthly fee until 30 April 2026 (limited time offer) - 0 € | Monthly fee until 30 April 2026 (limited time offer) Check Mark No | Monthly fee until 30 April 2026 (limited time offer) Check Mark No | |
| Credit featuresCredit features | ||||
| Minimum credit limit Minimum credit limit | ||||
| Minimum credit limit Minimum credit limit | Minimum credit limit - 10 000 € | Minimum credit limit - 1 500 € | Minimum credit limit - 1 500 € | |
| Maximum credit limit Maximum credit limit | ||||
| Maximum credit limit Maximum credit limit | Maximum credit limit - 42 100 € | Maximum credit limit - 10 000 € | Maximum credit limit - 5 000 € | |
| Instalment-free months per year Instalment-free months per year | ||||
| Instalment-free months per year Instalment-free months per year | Instalment-free months per year - 2 | Instalment-free months per year - 2 | Instalment-free months per year - 2 | |
| Insurance policiesInsurance policies | ||||
| Product Safety Insurance Product Safety Insurance | ||||
| Product Safety Insurance Product Safety Insurance | Product Safety Insurance Check Mark Yes | Product Safety Insurance Check Mark Yes | Product Safety Insurance Check Mark Yes | |
| International travel insurance International travel insurance | ||||
| International travel insurance International travel insurance | International travel insurance Check Mark Yes | International travel insurance Check Mark Yes | International travel insurance Check Mark No | |
| Domestic travel insurance Domestic travel insurance | ||||
| Domestic travel insurance Domestic travel insurance | Domestic travel insurance Check Mark Yes | Domestic travel insurance Check Mark No | Domestic travel insurance Check Mark No | |
| Other perksOther perks | ||||
| K-Plussa K-Plussa | ||||
| K-Plussa K-Plussa | K-Plussa Check Mark Yes | K-Plussa Check Mark Yes | K-Plussa Check Mark Yes | |
| Priceless Priceless | ||||
| Priceless Priceless | Priceless Check Mark Yes | Priceless Check Mark Yes | Priceless Check Mark Yes | |
| Cashback Cashback | ||||
| Cashback Cashback | Cashback Check Mark Yes | Cashback Check Mark No | Cashback Check Mark No | |
| Fast Track Fast Track | ||||
| Fast Track Fast Track | Fast Track Check Mark Yes | Fast Track Check Mark No | Fast Track Check Mark No | |
| Free lounge visits per year Free lounge visits per year | ||||
| Free lounge visits per year Free lounge visits per year | Free lounge visits per year - 6 | Free lounge visits per year Check Mark No | Free lounge visits per year Check Mark No | |
| Discover Nordea Platinum | Discover Nordea Gold | Discover Nordea Credit | ||
See how the new Nordea Platinum card stacks up against our discontinued Nordea Premium card.
CompareCredit card interest is made up of the 3-month Euribor and a margin. For Nordea cards, the margin ranges between 9.5% and 10.5%.
The annual interest rate of a credit card refers to the yearly interest costs only. However, it’s good to remember that in addition to interest, you also have to pay card fees.
Credit card fees include the monthly card fee and the account management fee, and these vary by card. Take, for example, the Nordea Credit card: it has no monthly fee, but the account management fee is 4.50 euros. The regular monthly fee for Nordea Platinum is between 5.99 and 16.99 euros depending on your customer relationship with us, but the account management fee is 0 euros.
The account management fee is charged monthly when you have outstanding balance that you have not paid in full by the due date. In other words, we don’t charge the account management fee if you pay off your outstanding balance before the 30-day interest-free period ends.
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. But just like with credit card purchases, the account management fee is not charged until the following month.
If you use your card’s credit facility often and don’t always repay your outstanding balance within 30 days, you should consider getting a card with a low margin and a low account management fee.
If you rarely use your credit card and usually repay your credit card debt quickly, a card with a low monthly fee may be the most cost-effective choice.
Take a look at 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.
With a Nordea Credit credit card, the actual annual percentage rate of charge for an outstanding credit balance of 1,500 euros is 13,64 % 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 (140 euros). The estimated total cost of the credit is 1,606.50 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.
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.
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.
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