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 travel insurance, which is valid for leisure trips abroad when you pay at least 75% of your total travel and accommodation costs with your card’s credit facility. 

Another type of cover, Product Safety Insurance, helps protect items you buy for your home or holiday home.

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.
  • 50% discount on the annual fee for the first year.
  • 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.

Make easy payments anywhere with a range of devices

Contactless payment with smartphone or smart watch - small

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

You can also add your card to your phone, smart watch or other wearable for mobile payments. By using a smart device, you can pay contactless even if your purchase exceeds 50 euros.

Your card works abroad as well. You can withdraw cash all over the world at ATMs carrying the Mastercard logo.

Shop safely online and remember your card insurance


Credit card, padlock and paper bag - small You can shop online once you have enabled online payments in Nordea Mobile or Netbank. 

When you pay with the credit facility of your card, you qualify for protection under the Finnish Consumer Protection Act. It helps you get your money back if anything goes wrong.

Similarly, the Product Safety Insurance included in the credit card gives you additional security for any products you purchase for your home or holiday home. It is valid for 180 days from 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. 

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

With a Nordea Premium credit card, the actual annual percentage rate of charge for an outstanding credit balance of 1,500 euros is 32,13% when the 3-month Euribor reference rate is 3,96% (12/2023), the monthly account management fee is 4.50 euros, the annual fee for the principal card is 90 euros, the customer has opted for the free e-invoice and repays the credit in 12 monthly instalments (145 euros). The estimated total cost of the credit is 1739 euros. Nordea Premium Mastercard is an international charge and credit card and a continuous credit facility which is valid until further notice. The creditor is Nordea Bank Abp, Satamaradankatu 5, Helsinki, or Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki.

Prices
Prices for cards issued before 1.9.2019
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, per query1,50 €
Balance query at an ATM0,80 €
Reorder of card PIN (delivery by post)* 
7,00 €
Checking card PIN in Netbank and Mobilebank
0,00 €
Change of credit limit/change0,00 €
Change of repayment schedule/change0,00 €
Transfer from credit cardInterest-bearing as of the transfer date
Printed credit card invoice/per invoice3,00 €
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 €        

1,00 €

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 withdrawal1,00 €

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. For more information, see foreign currency card transactions.Opens new window

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, per query1,50 €
Balance query at an ATM0,80 €
Reorder of card PIN (delivery by post)*
7,00 €
Checking card PIN in Netbank
0,00 €
Change of credit limit10,00 €
Change of repayment schedule
0,00 €
Transfer from credit card2,00 € + 3 %
Printed credit card invoice/per invoice3,00 €
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 €

1,00 €

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

1,00 €
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. For more information, see foreign currency card transactions.Opens new window 

Frequently asked questions about the Nordea Premium card

Useful tips

You can edit the properties of your card that you choose when you apply for the card later yourself. 

You can edit, for example, the amount of your monthly payment, payment date and instalment-free months in Nordea Mobile. You can also apply to raise your credit limit in Nordea Netbank.

PIN code and account
Daily spending limits, geographical restrictions and online payments
Card renewal and delivery methods
Billing and transactions
Text message service

PIN and account

You can easily check your card’s PIN in Nordea Mobile or Netbank.

Read more about the PIN

Connect your bank account to your card, and your purchases and cash withdrawals will be debited either to your credit card (credit) or bank account (debit) according to your choice. Any card payments and cash withdrawals you make abroad are debited in euros either to your bank account (debit) or credit card (credit). 

Daily spending limits, geographical restrictions and online payments

You can edit the security settings on your card in Nordea Mobile. Go to Overview, find the card you want to edit and select Settings. 

In our Netbank, you can edit your security settings in Finances > Cards. Select the card you want to edit and click on Card details to make the changes. 

Learn how to use your card safely.

Card renewal and delivery

New card to replace a broken one 

  • In Netbank: Go to Finances > Cards. Select the card you want to renew and click on Renew card.
  • In Nordea Mobile: Select the card you want to renew, then select Settings and click on Renew early.

Expiring cards will be renewed automatically

You will be able to use your card until the end of the last month of validity stated on the front of your card. Your new card will be posted to you before your previous card expires. Please check if you have already received a new card to your home address. 

New card delivered to your home address 

Nordea cards are primarily delivered to your home address in Finland, which you have provided to Nordea. You will receive the card within about two weeks from the card order. There is no delivery charge. We also offer an express delivery service. If you want to choose this option, please contact Nordea Customer Service. When you choose express delivery, the card will be delivered to your home address within about a week. Express deliveries are subject to a fee (10 euros). 

Read more about card delivery options or contact us for further information on the delivery options to a foreign address, for example. 

You can terminate your card by chatting with or calling Nordea Customer Service 

If you want to terminate your card, please contact us via chat or by phone. We recommend that all our customers have at least two cards. This way you are covered if you break or lose one of your cards. 

Invoicing and investigation of transactions

Tracking of card transactions

You can keep track of your card transactions in Nordea Mobile or Netbank.

Credit card transactions:

  • Select your card on the front page of Nordea Mobile or Netbank. Here you’ll see a list of the latest transactions made with your card’s credit facility.
  • In Netbank, you’ll find the most recent e-invoice as well as older e-invoices, where you can check your past card transactions. Log in to Netbank and go to Payments > E-invoices > History. You can also see transactions that are more than 1–3 months old on your e-invoices. Your e-invoices will be stored in Netbank for 18 months.
  • In Nordea Mobile, you can view your most recent e-invoice. Log in to Nordea Mobile and go to Payments and e-invoices, open your credit card invoice and click on Invoicer’s breakdown.

Debit card transactions:

  • Select the account linked to your card in Nordea Mobile or Netbank. For example, if your card is linked to your current account, you’ll see the transactions made with your debit card in your account transactions.

Please note that the name of the seller under a card transaction may be different from the name of the creditor on your invoice in cases of restaurants and taxi companies, for example.

What does the 30-day interest-free payment period mean in credit cards? 

You will get an interest-free payment period of 30 days on average for purchases charged to the credit facility. You can pay off your credit balance in full whenever you like or repay it in monthly instalments. After the interest-free payment period, you will pay interest on the remaining balance as determined in the card terms and conditions. 

Example: buying a vacuum cleaner The due date of the credit card invoice is the 15th of each month and the invoicing period is from 25 March to 26 April. We recommend that you choose the date on which you receive regular income as the due date to make it easy for you to pay the invoice when you have money available. 

  • 1 April You buy a vacuum cleaner. 
  • 15 April Due date on the credit card invoice, on which you pay the invoice for the previous invoicing period (March).
  • 15 May Due date for purchases made before 27 April, including the vacuum cleaner in this case. 

The last day of the invoicing period is 26 April. Any purchases made after this date will be invoiced in June. If you had bought the vacuum cleaner on 26 April, you would still pay it on 15 May. If you had bought the vacuum cleaner on 27 April, the due date would be 15 June instead.

What changes can I make to my credit card invoicing? 

You can check and change the due date of your credit card invoice, change your instalment percentage and select instalment-free months in Nordea Mobile or Netbank:

  • In Nordea Mobile: select the card you want to apply changes to, then select Edit credit.
  • In Nordea Netbank: go to Finances, then Cards. Select the card you want to apply changes to, and under the Card details section, click Edit credit.

If you want to change the due date or instalment percentage on an invoice that has already been created, please call us or contact us via chat. The changes are subject to a fee set in our tariff. 

See your credit card invoice to check the invoicing period, monthly transactions and payment details. If you have opted for e-invoicing, itemised invoices are available in Nordea Netbank and Nordea Mobile. 

Can I choose to pay extra? 

You can make extra instalments or pay off your debt whenever you want. You can also increase the total on your credit card invoice.

You can repay your credit card balance and change invoicing details easily in Nordea Mobile or Netbank. More detailed instructions are available in the channel of your choice.

You can easily pay off your credit card debt whenever you want. You can see the current credit balance in Nordea Mobile and Nordea Netbank under your card details. 

You can pay off your credit card debt on the due date of the next invoice. See the invoice for the total credit balance and interest up to the due date. 

If your card number starts with 552, you can check its total credit balance by calling the following customer service number: +358 9 6964 6011 (Mon–Fri 8–20).

Nordea Credit and Nordea Gold Mastercard numbers beginning with 5225 or 5228

If you have a Nordea Credit or Nordea Gold Mastercard, you may receive a text message to your mobile phone, asking you to confirm a purchase made with your card. Text messages can also be used to block your card if fraudulent activity is suspected.

Reply to the text message by choosing between the options A and B given in the text message. 

Nets Ltd will send the text message to the phone number in its customer register. If your phone number has changed, please call our customer service line for Nordea cards, tel +358 9 6964 6011, Mon– Fri 8.00–20.00.  

The SMS service concerns Nordea Credit and Nordea Gold cards issued by  Nordea Bank Abp and transactions made with their credit facilities.

Nordea Visa Electron and Nordea Visa Debit cards

If you have a Nordea Visa Electron or Nordea Visa Debit card, you may receive a text message to your mobile phone, asking you to confirm a purchase made with your card. 

Reply to the text message by choosing between the options A and B given in the text message. If you don´t recognise the transaction, you will receive further instructions on your card and its use in another message. If we receive an invalid reply or no reply at all, you will get a separate text message about this. 

Nordea will send the text messages to the phone number in its customer register. If your phone number has changed, please call Nordea Customer Service, 0200  70 000, Mon-Fri 8.00-18.00.

Replying to the text messages will cost you the standard network charge for an SMS. If you have one of the above-mentioned cards, the services will be available to you automatically.