Nordea Premium

The lounge benefit included in your Nordea Premium Mastercard adds luxury to your holiday. This credit card designed for our Premium Customers comes with comprehensive insurance for your travels abroad, Product Safety Insurance and Purchase Protection. The credit limit may be as much as 20,000 euros.

Travel and shop safely and comfortably

You are entitled to four visits to Priority Pass airport lounges in a calendar year free of charge. 

The card includes overseas travel insurance which is valid for leisure trips abroad when at least 75% of the total travel and accommodation costs have been paid with your card’s credit facility. 

Mastercard Purchase Protection and Product Safety Insurance gives you additional security for any products you purchase.

Nordea Premium Mastercard in brief

  • Credit limit from 5,000 to 20,000 euros.
  • You will receive an interest-free payment period of 30 days on average for all your purchases. 
  • If you want, you can have two instalment-free months a year.
  • The card is free for the first 6 months and after that there will be an annual or a monthly fee (EUR 90 per year or EUR 7.50 per month).
  • The interest rate is the 3-month Euribor + 7.5%. 

How to apply for Premium Mastercard

If you are a Premium customer, you can apply for this card by submitting a contact request.

Nordea Premium Banking is the wealth management service for you and your family if you have saved at least 80,000 euros or you need a loan amount exceeding 350,000 euros and have good potential to increase your wealth. 

As a Premium Customer, you will also get many other benefits. If you are not yet our Premium customer, read more and contact us through our website nordea.fi/premium.

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. 

Travel with confidence


Luottokortti ja lentokone - small

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

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 carrying the Mastercard logo.

Enjoy airport lounge services with Priority Pass

Nordea Premium Mastercard includes a Priority Pass, which gives you access to Priority Pass lounges offering a range of amenities at numerous airports. With your Priority Pass, you can visit an airport lounge four times in a calendar year free of charge (including visits by you and your travelling companions). Any additional lounge visits will be charged to your credit card.

Priority Pass gives you access to up to 1,200 airport lounges across the world. The Priority Pass lounges offer you free refreshments, wi-fi, peace and quiet, and much more. Many Priority Pass lounges also have shower and sleeping facilities.

More information about the Priority Pass and the lounges is available at www.prioritypass.comOpens new window.

Credit interest

The annual percentage rate of charge calculated on a Mastercard Premium credit of 1,500 euros is 26.7 %. The calculation is based on the 3-month Euribor + 7.5% (October 2020) and it includes the annual fee for the principal card and the monthly account management fee of 4.50 euros. E-invoice has been used as a default invoicing method in the calculation. The creditor is Nordea Finance Finland Ltd, Aleksis Kiven Katu 9, Helsinki, FI-00020 NORDEA. The card issuer is Nordea Bank Abp, Satamaradankatu 5, FI-00020 NORDEA.

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

Normal prices for Nordea Premium -cards issued after 1.9.2019

Annual fee
Annual fee Price
Nordea Premium combination card or Nordea Premium card90,00 €
Parallel card36,00 €
Monthly fee
Monthly feePrice
Nordea Premium combination card or Nordea Premium card7,50 €
Parallel card3,00 €

Additional services

Prices for additional service related to credit cards
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 Bank per month0,00 €
Service fee for an express order of MasterCard10,00 €
Transaction query for bank account at Otto.ATMs and Nordea's payment ATMs, per query1,00 €
Balance query at an ATM0,60 €
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 limit/change0,00 €
Change of repayment schedule/change5,00 €
Transfer from credit cardInterest-bearing as of the transfer date
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 

Interest-bearing as of the transfer date

2,75 €

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 from bank account or card credit
Price
Cash withdrawals from bank account in Finland at a branch 0,00 €

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 withdrawalInterest-bearing as of the drawdown date
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 withdrawal0,60 €

Cash withdrawals in euros at ATMs from credit account in the EEA Member States 

Cash withdrawals in euros at ATMs from bank account in the EEA Member States  

Interest-bearing as of the drawdown date

Cash withdrawals in euros from credit account at branches in the EEA Member States 

Cash withdrawals in euros from bank account at branches in the EEA Member States 

Interest-bearing as of the drawdown date

2,00 € + 3 %

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

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

Interest-bearing as of the drawdown date

2,00 € + 3 %

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

0,00 €
Depositing cash
Depositing cashPrice
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
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.4,50 €
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.

Prices for Nordea Premium cards issued before 1.9.2019.

Annual fee
Annual fee Price
Nordea Premium combination card or Nordea Premium card90,00 € 
Parallel card36,00 €
Monthly fee
Monthly feePrice
Nordea Premium combination card or Nordea Premium card7,50 €
Parallel card3,00 €

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 €
Depositing cash
Depositing cashPrice
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

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.