You can use the combination card like you would a debit card and pay for your daily purchases directly from your bank account using the card’s debit side. When you’re buying larger items or booking a trip abroad, you can charge them to the card’s credit facility.
You can also add both the debit and the credit side of your combination card to mobile payment apps, such as Apple Pay, Google Pay and Samsung Pay. That way you can choose between paying on credit and using your bank account even when you pay through your phone.
3 good reasons to pay with the card’s credit facility:
- You get a 30-day interest-free payment period on average for your purchases with no extra charges. You can pay off the credit balance in full whenever you like or repay it in monthly instalments. After the interest-free payment period, you will pay interest on the remaining balance as determined in the card terms and conditions.
- Any purchases made with a credit card are protected under the Finnish Consumer Protection Act, which may come in handy if you run into problems with a merchant. For instance, if a product you have ordered never arrives, you can contact us to dispute the card transaction and apply for a refund.
- You get our useful credit card insurance. For example, Nordea Gold provides you with travel insurance for trips abroad and Product Safety Insurance, which protects items you buy for your home, as long as you pay for your purchases with the card’s credit facility.
Read more about what debit and credit mean