Nordea Premium

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 Premium

With a Nordea Premium credit card, the actual annual percentage rate of charge for an outstanding credit balance of 1,500 euros is 30,16 % when the 3-month Euribor reference rate is 2,36 % (04/2025), 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 1,725 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.

Esimerkkilaskelma Nordea Platinum -kortille

Nordea Platinum -luottokortin todellinen vuosikorko 1 500 euron luotolle on 12,1 %, kun viitekorko 3 kk euribor on 1,98 % (06/2025), tilin kuukausittainen ylläpitomaksu on 0 euroa, käytössä on maksuton e-lasku ja luoton takaisinmaksu tapahtuu 12 erässä (133 euroa) kuukauden välein. Arvioitu luoton kokonaiskustannus on 1 595 euroa. Laskelma on tehty olettaen, että kortista ei peritä kuukausimaksua. Luotonantaja on Nordea Bank Oyj, Satamaradankatu 5, Helsinki tai Nordea Rahoitus Suomi Oy, Aleksis Kiven katu 9, Helsinki.

General card terms and conditions 1.8.2025

Terms and conditions for the Mastercard credit account

Terms and conditions for the Product Safety Insurance

Terms and conditions for the overseas travel insurance

Standard European Consumer Credit Information

You can change most of your card settings in Nordea Mobile or Netbank. If you want to raise the credit limit on your Nordea Premium card, you can still do so by filling in our contact form.

How to raise your credit limit

You can increase the credit limit on your Nordea Premium card up to 20,000 euros by filling in our contact form.

Apply to increase the credit limit on your Nordea Premium card

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

You can adjust the cash withdrawal limit, online usage setting and geographical restrictions of your card at any time from the card’s settings in Nordea Mobile or Netbank.

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