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 and Product Safety Insurance. The credit limit may be as much as 20,000 euros.
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.
Product Safety Insurance gives you additional security for any products you purchase.
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.
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.
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 protection pursuant to 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 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.
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.
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.
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.
Nordea Premium card terms and conditions
General card terms and conditions 1.8.2022 (pdf, 654 KB)Opens new window
Terms and conditions for the Mastercard credit account (pdf, 425 KB)Opens new window
Terms and conditions for the Product Safety Insurance (pdf, 327 KB)Opens new window
Terms and conditions for the overseas travel insurance
(pdf, 295 KB)Opens new window
Standard European Consumer Credit Information (pdf, 221 KB)Opens new window
Terms and conditions for the Product Safety Insurance and overseas travel insurance
Nordea Premium card terms and conditions
General card terms and conditions 1.8.2022 (pdf, 654 KB)Opens new window
Terms and conditions for the Mastercard credit account (pdf, 425 KB)Opens new window
Terms and conditions for the Product Safety Insurance (pdf, 327 KB)Opens new window
Terms and conditions for the overseas travel insurance
(pdf, 295 KB)Opens new window
Standard European Consumer Credit Information (pdf, 221 KB)Opens new window
Terms and conditions for the Product Safety Insurance and overseas travel insurance
| Annual fee | Price |
| Nordea Premium combination card or Nordea Premium card | 90,00 €
|
| Parallel card | 36,00 € |
| Additional services | Price |
Picture card, new or renewal
| 12,00 € |
| MasterCard queries in Netbank or Mobile Bank per month | 0,00 € |
| Service fee for an express order of MasterCard | 10,00 € |
| Transaction query for bank account at Otto.ATMs and Nordea's payment ATMs, per query | 1,50 € |
| Balance query at an ATM | 0,80 € |
| Reorder of card PIN (delivery by post)*
| 7,00 € |
| Checking card PIN in Netbank and Mobilebank
| 0,00 € |
| Change of credit limit/change | 0,00 € |
| Change of repayment schedule/change | 5,00 € |
| Transfer from credit card | Interest-bearing as of the transfer date |
| Printed credit card invoice/per invoice | 3,00 € |
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 3,50 €
|
| Change or renewal of card during its validity | 10,00 €
|
| Change or renewal of card during its validity due to a manufacturing defect or card breakage caused by a reason beyond the customer’s control | 0,00 € |
| Finder’s fee | 0,00 € |
| Confiscation fee for a card used in violation of the card terms and conditions | 120,00 € |
| 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 withdrawal | Interest-bearing as of the drawdown date |
| Cash withdrawals abroad | Price |
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 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 | Price |
| Depositing cash to your bank account at TalletusOtto and OttoPlus ATMs | 3 deposits free of charge per month, deposits in excess of this EUR 2.50 each and 0.70% of the value of the deposit |
| The fee related to account maintenance for credit balance | Price |
| 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 | Price |
| Currency conversion fee* added to card purchases 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. For more information, see foreign currency card transactions.Opens new window |
| Annual fee | Price |
| Nordea Premium combination card or Nordea Premium card | 90,00 €
|
| Parallel card | 36,00 € |
| Additional services | Price |
Picture card, new or renewal - own picture or picture from the photo gallery per card | 12,00 € |
| Mastercard queries in Netbank or Mobile Bank | 0,00 €
|
| Service fee for an express order of Mastercard | 10,00 €
|
| Transaction query for bank account or credit account at Otto.ATMs and Nordea's payment ATMs, per query | 1,50 € |
| Balance query at an ATM | 0,80 €
|
| 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 | 10,00 €
|
| Change of repayment schedule
| 5,00 €
|
| Transfer from credit card | 2,00 € + 3 %
|
| Printed credit card invoice/per invoice | 3,00 € |
Bill payment from card credit facility at Nordea's payment ATM One bill paid at Nordea’s payment ATM
| 2,00 € + 3 %
3,50 € |
| Change or renewal of card during its validity | 10,00 €
|
| Change or renewal of card during its validity due to a manufacturing defect or card breakage caused by a reason beyond the customer’s control | 0,00 € |
| Finder’s fee | 0,00 € |
| Confiscation fee for a card used in violation of the card terms and conditions | 120,00 € |
| Cash withdrawals in Finland | 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 withdrawal | 2,00 € + 3 %
|
| Cash withdrawals abroad | Price |
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 States | 2,00 € + 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 | Price |
| Depositing cash to your bank account at TalletusOtto and OttoPlus ATMs | 3 deposits free of charge per month, deposits in excess of this EUR 2.50 each and 0.70% of the value of the deposit |
| The fee related to account maintenance for credit balance | Price
|
| 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 | Price |
| Currency conversion fee* added to card purchases 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. For more information, see foreign currency card transactions.Opens new window |
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.
You can use the PIN code provided by the bank or choose your own PIN code for your card. You can also change your PIN code later. Read more about PIN codes.
You can link your card to a bank account and choose whether payments and cash withdrawals are taken out of your credit card account (credit) or your bank account (debit). Any card payments and cash withdrawals that you make abroad are always taken in euros either from your bank account (debit) or your credit card account (credit).
You can use the PIN code provided by the bank or choose your own PIN code for your card. You can also change your PIN code later. Read more about PIN codes.
You can link your card to a bank account and choose whether payments and cash withdrawals are taken out of your credit card account (credit) or your bank account (debit). Any card payments and cash withdrawals that you make abroad are always taken in euros either from your bank account (debit) or your credit card account (credit).
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.
Replacing a damaged card
You can order a new card in the Netbank under Finances > Cards > Apply for a new card or make changes to your existing card > Card editing and renewal.
When your card is about to expire, you will be sent a new card automatically
Your card is valid until the end of the month in which it expires, and you can check the expiry date on the front of your card. You will receive a new card by post before your card expires. Please check your post to see whether you have already received your new card.
Your new card will be delivered to your home address
Your card will be sent to the home address in Finland that you have given to Nordea. You can expect to receive your new card within approximately two weeks from the date on which you ordered it. There is no delivery charge. Alternatively, you can ask for express delivery by contacting Nordea Customer Service. With express delivery, your card will arrive at your home address within approximately one week. Express delivery costs EUR 10.
Read more about our card delivery methods, or ask Nordea Customer Service for more information about, for example, having your card delivered to an address abroad.
You can cancel your card via chat or by calling our Customer Service
If you want to cancel your card, you can call Nordea Customer Service or contact us via chat. We recommend that all our customers have at least two cards. Having a back-up will save you hassle if your card is damaged or lost.
Credit card transactions
You can view your credit card transactions and balance via these channels: Nordea Wallet, Nordea Mobile and Nordea Netbank. You can also view your invoices in the e-invoice archive and in Nordea Finance’s OmaLuotto service using the online banking codes of other banks. Your credit card bill doubles as your account statement.
In Nordea Mobile, you can view your credit card transactions by clicking on the name of the card on the front page or by going to Overview. Your transaction history covers a period of between one and three months depending on the type of card. Older transactions can be found in your previous bills or in Nordea Wallet.
To browse your credit card transactions in the Netbank, click on the name of the card on the front page. Your transaction history covers a period of between one and three months depending on the type of card. If you cannot see your card transactions, you may need to enable card transaction queries. Older transactions can be found in your previous bills or in Nordea Wallet.
You will need to enable the card transaction queries in the Netbank. Go to Finances > Cards > Apply for a new card or make changes to your existing card > Edit Netbank > Optional credit card services, enable transaction query and confirm by clicking Save. The transaction query feature is free of charge.
Please note that the name of the vendor with whom you used your card may be different from the name of the biller shown in your bill; this is often the case with, for example, restaurants and taxi companies.
30-day interest-free payment period on credit cards
The interest-free payment period effectively gives you a free loan for a period of at least 30 days.
Here is an example involving the purchase of a vacuum cleaner: You have chosen to pay your credit card bill on the 15th of each month, and your current billing period covers from 25 March until 26 April. It makes sense to coordinate your credit card payment date with you payday to make sure that you have money available when your bill is due.
A new billing period starts on 26 April, and any purchases you make after that date will be included in your June bill. Even if you buy the vacuum cleaner on 26 April instead of 1 April, you will still have to pay for it on 15 May. If you buy the vacuum cleaner on 27 April, however, you will have until 15 June to pay. You can optimise your credit card billing period to make it as long as possible. By waiting until 27 April to buy the vacuum cleaner, you can get 45 days interest free to pay for it.
What changes can I make to my credit card myself?
You can view and edit your credit card billing date, instalment percentage and instalment-free months in the Netbank under Finances > Cards > Apply for a new card or make changes to your existing card > Changes to credit card. Changing your instalment percentage is subject to a fee for changing the repayment schedule based on our latest tariff.
If you need to change the billing date or the amount of a payment that has already been calculated, you can call Nordea Customer Service or use our chat function. Changes are subject to a service charge.
You can find information about your credit card billing period, monthly transactions and payment history in your credit card bill. If you have opted for e-invoicing, itemised bills can be accessed in Nordea Netbank and Nordea Mobile.
One-off payments
You can make additional payments or pay off your credit card balance in full at any time. You can also increase the amount of your regular payments.
Changing your card payments and billing preferences in Nordea Mobile or our new Netbank is easy. You can find more detailed instructions in the app or Netbank.
You can pay off your credit card balance in full at any time. To view your balance in Nordea Mobile or Nordea Netbank, click on the name of the card.
You can edit the amount of your next monthly payment to clear your balance. Your bill will show both the total balance remaining on the card and the amount of interest until your next payment date.
If your card number starts with 522, you can check your closing balance by calling our Customer Service / billing team on +358 (0)9 6964 6011 (between 8.00 and 20.00 from Monday to Friday).
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.
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.
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