Nordea Platinum

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

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

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

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. 

General card terms and conditions, 1 August 2025Opens new window

Terms for the Mastercard credit accountOpens new window

Travel insurance terms and conditionsOpens new window

Terms and conditions for Product Safety InsuranceOpens new window

Standard European Consumer Credit InformationOpens new window

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