Nordea Gold

You can pay purchases made with Nordea Gold Mastercard using the credit facility or directly from your bank account. You can use the credit facility any time you need it. Furthermore, you are covered by purchase protection and travel insurance when you pay with your card’s credit facility.

Nordea Gold card in brief

  • The credit limit is 1,500–10,000 euros.
  • When paying with the credit facility, you will benefit from Mastercard Purchase Protection, Product Safety Insurance and insurance for your holiday trips abroad.
  • You will get an interest-free payment period of 30 days on average.
  • You will be entitled to two instalment-free months a year.
  • The borrowing rate is the 3-month Euribor + 9.5%.’

To qualify for the card, you need to have

  • regular income and a good payment history
  • a clean credit record. 
  • as a university student, you can get a Nordea Gold credit card without regular income as soon as you have been admitted.

You can apply for a credit card for your personal use or for joint use 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

You can choose whether to pay with credit or directly from your bank account. When paying with the credit facility, you will get an interest-free payment period of 30 days on average.

With the contactless payment feature of your Nordea Gold card, 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. 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 and spending will be easy.

Buy safely online and offline

When you pay your purchases with the credit facility of your card, Mastercard Purchase Protection will ensure that you will get your money back if you don’t receive the product or service you ordered or if anything else 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.

You can read more about the insurance features of Nordea Gold Mastercard later on this page.

Travel with confidence

The travel insurance included in Nordea Gold Mastercard is valid during your holiday trips abroad if you pay your trip with the credit facility of your card.

Mastercard Purchase Protection also provides cover, for example, in case you have bought plane tickets but the airline company goes bankrupt before or during your trip.

You can pay with your card worldwide at any points of sale and ATMs marked with the MasterCard symbol.

By activating the Nordea Wallet mobile app, you can also keep track on your holiday spending and track of your card transactions.

Instructions for card use

  • Please choose a due date and percentage for your credit card repayments (3–100%),
  • and then choose your own PIN for your card.
  • Nordea Gold card always comes with a credit facility and a bank account, and your purchases and cash withdrawals will be debited either to your credit card (credit) or bank account (debit) as you prefer.

Questions and answers about payment and credit cards

Protection offered by your Nordea Gold card

  • Travel insurance is valid when you pay your trip abroad with your card’s credit facility.
  • Product Safety Insurance gives you additional security for any products you purchase for your home or holiday home.
  • Purchase Protection ensures that you will get your money back if something goes wrong.

Apply for a card in Netbank

You can apply for the card directly in Netbank.

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Credit interest

Credit interest

The annual percentage rate of charge calculated on a Nordea Gold credit of 1,500 euros in use is 16.5% (November 2020) for Package Customers. The calculation includes the fee related to account maintenance. The interest on the credit is the 3-month Euribor + 9.5%. No annual or monthly fee is charged on the card included in the customer´s package.  

The account management fee for a balance with credit is EUR 4,50 a month. E-invoice has been used as default invoicing method in the calculation. The actual annual interest of other customer groups is shown under Card terms/Standard European Consumer Credit Information. The minimum credit limit for Nordea Gold is 1 500 euros and the maximum limit is 10,000 euros. The credit is valid until further notice. 

The total amount payable depends on the use of the credit, the size of the agreed instalments and the term of the credit agreement. 

The credit is granted by Nordea Finance Finland Ltd, Aleksis Kiven Katu 9, Helsinki, 00020 NORDEA or Nordea Bank Abp, Satamaradankatu 5, Helsinki, 00020 NORDEA.

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