Nordea Credit Mastercard

Nordea Credit Mastercard brings flexibility to your finances. If you have a combination card, you can choose whether to make a payment directly from your bank account or with the credit facility. When making payments with the credit facility, Mastercard Purchase Protection and Product Safety Insurance will protect your purchases. The credit limit you may apply for is 1,500–5,000 euros.

Nordea Credit Mastercard – security and flexibility

When you pay with your card’s credit facility, you get:  

  • added flexibility
  • security for your purchases.

You can start paying with wearables when you have Nordea’s payment or credit card and a smartphone, smartwatch or some other smart device. 

If you activate the Nordea Wallet mobile app, keeping track of your card transactions will be easy.

Nordea Credit Mastercard in brief

  • The credit limit is 1,500–5,000 euros.
  • You will receive an interest-free payment period of 30 days on average for all your purchases. 
  • The card comes with Product Safety Insurance and Purchase Protection.
  • You can have two instalment-free months a year.
  • The interest rate on the credit is the 3-month Euribor + 10.5%.

How to apply for a card

To qualify for the card, you need to have 

  • regular income 
  • a good payment history 
  • a clean credit record. 

You can also apply for a card with a family member aged 18 or older who resides in the same household.

The card will be posted to you.

Choose the payment method you prefer


With the contactless payment feature you can pay your purchases of less than 50 euros securely, without having to touch the payment terminal. 

You can also pay your purchases exceeding 50 euros without touching the payment terminal if you attach a mobile payment app to your card and pay the purchases by holding your smartphone or smartwatch close to the payment terminal. 

You can withdraw cash all over the world at ATMs carrying the Mastercard logo. 

When your card has the debit feature, you can pay for purchases and withdraw cash directly from your bank account in Finland and worldwide.

Shop safely online


Luottokortti, lukko ja paperikassi - small You can shop online once you have enabled online payments in Nordea Netbank or Nordea Mobile. 

When you pay with the credit facility of your card, you are covered by Purchase Protection. It helps you get your money back if anything goes wrong.

Similarly, the Product Safety Insurance included in the credit facility gives you considerable additional security for any products you purchase for your home or holiday home. This protection is valid for 180 days as of the purchase date. 

Flexibility to your everyday life


Desk calendar and an arrow visualising flexibility - small

You can choose whether to pay with credit or directly from your bank account. You will receive a monthly invoice on your credit card transactions. You can choose the due date of the invoice and the repayment amount (minimum instalment percentage). You only pay interest on the amount of credit left unpaid after the due date. 

In Netbank and mobile bank, you can see your card’s available balance as well as transfer money from your card’s credit facility to your bank account. You can also set a geographical usage area and online usage restrictions on your card.

Card usage

Credit interest

Credit interest

The annual percentage rate of charge calculated on a credit amount of EUR 1,500 taken with a Nordea Credit card is 17.7% (November 2020) for customers with a service package. The interest rate on the credit is the 3-month Euribor + 10.5%. The calculation includes the account management fee of 4.50 euros. 

E-invoice has been used as a default invoicing method in the calculation. No annual or monthly fee will be charged on the card included in the customer’s package. The annual percentage rate of charge for other customer groups is shown under Card terms/Standard European Consumer Credit Information. The minimum credit limit for Nordea Credit is 1,500 euros and the maximum credit limit is 5,000 euros. The credit is valid until further notice. The total repayable credit amount depends on the use of the credit, the agreed amount of the repayment instalments and the duration of the credit agreement. 

The creditor is Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki, FI-00020 NORDEA or Nordea Bank Oyj, Satamaradankatu 5, Helsinki, FI-00020 NORDEA. 

Prices
Prices for cards issued before 1 September 2019
Your rights when making payments in Europe

Credit interest

The annual percentage rate of charge calculated on a credit amount of EUR 1,500 taken with a Nordea Credit card is 17.7% (November 2020) for customers with a service package. The interest rate on the credit is the 3-month Euribor + 10.5%. The calculation includes the account management fee of 4.50 euros. 

E-invoice has been used as a default invoicing method in the calculation. No annual or monthly fee will be charged on the card included in the customer’s package. The annual percentage rate of charge for other customer groups is shown under Card terms/Standard European Consumer Credit Information. The minimum credit limit for Nordea Credit is 1,500 euros and the maximum credit limit is 5,000 euros. The credit is valid until further notice. The total repayable credit amount depends on the use of the credit, the agreed amount of the repayment instalments and the duration of the credit agreement. 

The creditor is Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki, FI-00020 NORDEA or Nordea Bank Oyj, Satamaradankatu 5, Helsinki, FI-00020 NORDEA. 

Prices for Nordea Credit cards issued after 1.9.2019

Monthly fee
Monthly feePrice
Nordea Credit combination card or Nordea Credit2,50 €
Parallel card2,00 €

Additional services

Additional servicesPrice

Picture card, new or renewal

- own picture or picture from the photo gallery per card

12,00 €
Mastercard queries in Netbank or Mobile Bank0,00 €
Service fee for an express order of Mastercard10,00 €
Transaction query for bank account or credit account at Otto.ATMs and Nordea's payment ATMs, per query1,00 €
Balance query at an ATM0,40 €
Reorder of card PIN (delivery by post)*
7,00 €

Reorder of card PIN (delivery by sms)*

*Card PIN may be ordered from Nordea branches or by calling Nordea Customer Service
0,00 €
Checking card PIN in Netbank
0,00 €
Change of credit limit10,00 €
Change of repayment schedule
5,00 €
Transfer from credit card2,00 € + 3 %
Printed credit card invoice/per invoice3,00 €

Bill payment from card credit facility at Nordea's payment ATM

One bill paid at Nordea’s payment ATM 

2,00 € + 3 %

2,25 €

Change or renewal of card during its validity10,00 €  
Change or renewal of card during its validity due to a manufacturing defect or card breakage caused by a reason beyond the customer’s control0,00 €
Finder’s fee0,00 €
Confiscation fee for a card used in violation of the card terms and conditions120,00 €
Cash withdrawals in Finland
Cash withdrawals in Finland Price
Cash withdrawals from bank account in Finland at a branch0,00 €

Cash withdrawals from a bank account at an ATM 1–4 withdrawals per month

Cash withdrawals from a bank account at an ATM 5 or more withdrawals per month per withdrawal

0,00 €

0,60 €

Cash withdrawals from card credit in Finland per withdrawal2,00 € + 3 %
Cash withdrawals abroad
Cash withdrawals abroadPrice

Cash withdrawals in euros at ATMs from a bank account in the EEA Member States 1–4 withdrawals per month

0,00 €

Cash withdrawals in euros at ATMs in the EEA Member States 5 or more withdrawals per month per withdrawal

0,40 €
Cash withdrawals in euros at ATMs from credit account in the EEA Member States 2,00 € + 3 %
Cash withdrawals in euros from credit account at branches in the EEA Member States2,00 € + 3 %

Cash withdrawals in currencies other than the euro from bank account and/or credit account at branches and/or ATMs in the EEA Member States and outside the EEA

2,00 € + 3 %

Cash withdrawals from bank account and/or credit account at Nordea’s ATMs in Norway, Sweden and Denmark

0,00 €
Fees related to account maintenance
The fee related to account maintenance for credit balancePrice
The fee related to account maintenance /per month when the transactions on the invoice are not paid out in full on the invoice due date.3,00 €
Transaction fees 
Transaction feesPrice
Currency conversion fee* added to card purchases or cash withdrawals made in a currency other than the euro2,25 %
*When you make a purchase or withdraw cash in a currency other than the euro, an exchange rate set by Mastercard or Visa plus an additional currency conversion fee subject to our tariff will be applied to the transaction.

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