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Cashback

Get cashback for purchases you pay on credit.

Lounge access

Get 6 free lounge visits a year at airports.

Comprehensive travel insurance

Travel insurance for trips in Finland and abroad.

Nordea Platinum in brief

Nordea Platinum could be the right card for you if you appreciate smooth travelling and new experiences. Nordea Platinum is a combination card by Mastercard that gives you the flexibility to charge your purchases either to the credit facility (credit) or your bank account (debit).

  • The credit limit is between 10,000 and 42,100 euros.
  • The interest rate on the credit is the 3-month Euribor + 9.5%.
  • The monthly credit account management fee is 0 euros.
  • You can add the K-Plussa feature to your card.
  • Comprehensive travel insurance and Product Safety Insurance included.
  • Mastercard’s Priceless programme gives you exclusive access to presale tickets for events and concerts.

Due to the high popularity of the card, the application processing time is now approximately two weeks

Our Nordea Platinum card has been extremely popular, which is why the processing time for card applications is currently around two weeks.

Limited-time offer

Get Nordea Platinum now with no fee until 30 April 2026

After the limited-time offer, the card will be included in your service package and the monthly fee depends on whether you are a Premium Customer or not:

  • 5.99 euros per month for Premium Customers 
  • 16.99 euros per month for other customers

Private Banking customers get the card with no monthly fee.

Our first cashback card

Money bag with bills and coins icon - 640x360With cashback you can get back some of the money you spend by using your credit card. 

Your cashback reward is 0.5% for each purchase and 0.7% for each payment you make in a foreign currency outside the euro area.

Learn more about cashback

Enhanced airport experience

Luottokortti ja lentokone icon - 640x360

As a Nordea Platinum holder, you are entitled to 6 free visits a year to Priority Pass lounges at airports.

The Fast Track service lets you skip the queues at security check using a separate priority lane.

Read more about card perks at airports

Protection for your travels and adventures

Travel suitcase icon - 640x360The card includes comprehensive travel insurance that also covers trips in Finland. 

The travel insurance included in Nordea Platinum is valid even if you don’t pay your trip with the card.

Read more about credit card insurance

How to apply for Nordea Platinum

You can apply for Nordea Platinum if you: 

  • are a Nordea customer and an adult residing permanently in Finland
  • have a sufficient regular income and a good payment history 
  • have a clean credit record.

Before you start filling in the application, we recommend that you first check your monthly income both in gross and net terms. Also make a note of the month in which you started in your current job, as this is one of the details that we ask on the application.

You can apply for the card in Nordea Mobile or Netbank. You will find the application by first selecting Services, then Credit and payment cards, and finally Nordea Platinum.

Start application

Become a Nordea customer online

What should I do with my current credit card?

If you want to cancel the credit card you currently have from us, we recommend that you wait until you have received your new Nordea Platinum card. By doing so, you will ensure that you have a functioning payment card at all times.

We recommend that all our customers have two cards. The second card could be a Nordea Debit or Nordea Gold, which are both included in our service packages free of charge. 

A Nordea Debit card does not affect our overall assessment of your repayment ability when you apply for a new credit card.

Read more about our service packages

How to start using the card
Card settings
Using a credit card

How to start using your new card

We will deliver your card to your home address located in Finland within about two weeks from the card order. However, you can start using the card earlier if you add it to your phone or other smart device. 

You can add your new card to your phone

You will see your new Nordea Platinum card in Nordea Mobile after we have accepted your card application. After 3 to 6 banking days, you will be able to add the card to your preferred mobile payment service. 

Read more about mobile payments

How to view your PIN 

We will send the PIN (Personal Identification Number) of your card to you by post, but you can also view it in Nordea Mobile or Netbank. For security reasons, never write down your PIN anywhere else. 

Learn how to view your PIN  

Download apps before your trip

To be able to take advantage of your Nordea Platinum perks at airports, you should activate the Priority Pass and Fast Track services before your trip.

Learn more about your perks at airports

How to check your card settings

When you fill in the card application, you will need to select some features, such as the credit limit, instalment percentage and due date. You can later easily apply for changes to your credit limit and edit your card settings in Nordea Mobile and Netbank.

How to raise your credit limit

The minimum credit limit of Nordea Platinum is 10,000 euros. We recommend that you initially apply for a credit limit that you think you can cover with your income. 

You can later apply for an increase to your credit limit in Nordea Mobile or Netbank. You will find the application by first selecting Services, then Credit and payment cards, and finally Nordea Platinum.

Other changes to your credit card  

Your instalment percentage can be anywhere between 3 and 100. The instalment percentage means the minimum portion of your outstanding balance that you will need to pay back every month.

You can also select the monthly due date for your credit card invoice and two instalment-free months. The instalment-free months cannot be consecutive months. 

You can edit these features in Nordea Mobile or Netbank under the card’s details by selecting Edit credit.

How to adjust your card’s security settings

When you fill in the card application, you need to select a daily cash withdrawal limit and whether your card can be used for online payments. You can, however, change these settings anytime in Nordea Mobile or Netbank.

You can also edit your card’s usage area in the same place.

Learn more about safe use of cards

General instructions for using a credit card

30-day payment period

You will get an interest-free payment period of 30 days on average for purchases charged to the credit facility. This means that your credit balance won’t accrue interest if you repay it within 30 days. 

After the interest-free payment period, you will pay interest on the remaining balance as determined in the card terms and conditions. You will get an invoice on your outstanding credit balance each month, stating a minimum repayment based on the instalment percentage you have chosen.

How to transfer money from your credit card to your bank account

Transferring money from your credit card to your bank account can sometimes be a useful way to pay for an unexpected expense. By doing so, you can avoid applying for a new loan to cover a temporary need. 

To transfer money, go to your card details in Nordea Mobile or Netbank and select Pay and transfer.

Please note that interest will begin accruing on any money you transfer from your credit facility from the day of the transfer. If your card has been issued before 1 September 2019, these transfers are also subject to a one-time fee.

Read more about credit card payments

Flexible repayment

You can make extra instalments or pay off your credit balance whenever you want.

Simply go to your card details in Nordea Mobile or Netbank and select Pay and transfer. You can also increase the total on your credit card invoice.

How to track your card transactions

You can easily keep track of your card transactions in Nordea Mobile or Netbank. To see the latest transactions charged to your card’s credit facility, go to the card details. If you want to browse older transactions, see your credit card invoices.

To see the debit transactions (transactions charged to your bank account), view the transactions in your current account linked to the card.

Read more about card transactions and authorisation holds

Apply for Nordea Platinum

You can fill in a card application in Nordea Mobile or Netbank.

Go to Nordea Netbank

Frequently asked questions about Nordea Platinum

Credit card costs
Terms and conditions
Fees

Credit card costs and annual percentage rate

Note that we charge interest on credit card payments if you don’t pay off your credit balance within 30 days. However, if you use your credit card to withdraw cash or transfer money to your bank account, we will charge interest starting from the withdrawal date.

See below for our example calculation on the annual percentage rate on Nordea Platinum. Besides interest expenses, the calculation includes the fees charged for the credit facility, which makes it useful if you want to compare the costs of different loans and credit facilities. 

Example calculation for Nordea Platinum

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. 

Fees for Nordea Platinum

You get Nordea Platinum with no monthly fee until 30 April 2026. After that, it will be included in your service package. The monthly fee depends on whether you are a Premium Customer or not:

  • 5.99 euros per month for Premium Customers 
  • 16.99 euros per month for other customers

The limited-time offer also applies to parallel cards. After the offer period, the parallel card fee will be determined based on the status of the parallel card holder.

Private Banking customers get the card with no monthly fee.

Additional credit card services and their fees
Additional serviceFee

Renewal of picture card (Nordea Credit and Nordea Gold)

- picture from own archives or selected from the photo gallery, per card

12,00 €
Mastercard queries in Nordea Netbank or Nordea Mobile, per month0,00 €
Mastercard queries by phone (+ mobile call charge)0,33 €
Delivery fee for an express order of Mastercard20,00 €
Bank account transaction query at an Otto ATM1,50 €
Balance query at an ATM0,80 €
Reorder of card PIN (delivery to home address by post)
7,00 €
Checking card PIN in Nordea Netbank and Nordea Mobile0,00 €
Change of credit limit, per change0,00 €
Change of repayment schedule, per change0,00 €
Transfer from credit facilityInterest-bearing as of the drawdown date
Credit card invoicing with a paper invoice3,00 €
Copies of invoices and receipts, per copy7,00 €
Replacement or renewal of card during its validity10,00 €  
Finder’s fee0,00 €
Confiscation fee for a card used in violation of the card terms and conditions120,00 €
Cash withdrawals in Finland
Cash withdrawalFee
Cash withdrawals from bank account in-branch in Finland0,00 €

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

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

0,00 €

1,00 €

Cash withdrawals from credit facility at an ATM in FinlandInterest-bearing as of the drawdown date
Cash withdrawals abroad
Cash withdrawal Fee

Cash withdrawals in euros from bank account at an ATM in EEA countries, 1–4 withdrawals per month

0,00 €

Cash withdrawals in euros from bank account at an ATM in EEA countries, 5 or more withdrawals per month per withdrawal

1,00 €
Cash withdrawals in euros from credit facility at an ATM in EEA countries Interest-bearing as of the drawdown date

Cash withdrawals in euros from credit facility in-branch in EEA countries 

Cash withdrawals in euros from bank account in-branch in EEA countries 

Interest-bearing as of the drawdown date

2,00 € + 3 %

Cash withdrawals in currencies other than the euro from credit facility in-branch and/or at an ATM in EEA countries and outside the EEA  

Cash withdrawals in currencies other than the euro from bank account in-branch and/or at an ATM in EEA countries and outside the EEA

Interest-bearing as of the drawdown date

2,00 € + 3 %

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

0,00 €

Cash deposits
Cash depositsFee
Depositing cash to your bank account at TalletusOtto and OttoPlus ATMs3 deposits free of charge per month, deposits in excess of this EUR 2.50 each and 0.70% of the value of the deposit
Account management fees
Account management feeFee
Monthly account management fee when the transactions on the invoice are not paid off in full on the invoice due date0,00 €
Transaction fees
Transaction feeFee

Currency conversion fee added to card payments or cash withdrawals made in a currency other than the euro*

2,25 %
*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. Read more about card payments in foreign currencies. 

Has your card been issued before 1 September 2025?

See the fees of Nordea Platinum cards issued between 1 September 2019 and 31 August 2025

See the fees of Nordea Platinum cards issued before 1 September 2019

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