A new card with even more benefits
We no longer issue new Nordea Premium cards, but an upgraded card with even more benefits will be added to our selection later in the autumn.
We no longer issue new Nordea Premium cards, but an upgraded card with even more benefits will be added to our selection later in the autumn.
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.
As a Nordea Premium principal card holder, your benefits also include a Priority Pass, which gives you access to Priority Pass lounges at more than 1,500 airports across the world. 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.
In the Priority Pass airport lounges, you can enjoy free drinks and snacks, read the latest magazines and newspapers and, in most lounges, use a free Wi-Fi during your trip.
To take advantage of your Priority Pass benefit, register your membership at prioritypass.com/nordea.
In order to register for the Priority Pass service you’ll need the details of your Nordea Premium credit card and the Nordea ID app or the Nordea ID device for authentication.
Once you have registered for the Priority Pass service, download the Priority Pass app to your mobile device from your app store (App Store or Google Play). Log in to the app with your user ID and password that you created when you registered for the Priority Pass service. Please note that you have to enable online payments with your Nordea Premium card every time you visit a Priority Pass airport lounge.
Once you have done this, you’re ready to start using the app and your digital Priority Pass membership card. The digital membership card included in the Priority Pass mobile app gives you access to lounges.
The app provides you with up-to-date information on airport lounges covered by the Priority Pass benefit across the world. You can also check how many lounge visits you’ve made and read more about additional benefits and discounts at different airports.
You can also get the lounge benefit by showing your physical Nordea Premium card at a lounge reception. If you only show your card at the reception, remember to always mention that your Nordea Premium card includes the Priority Pass benefit to ensure that you can enter free of charge. You have to enable online payments with your card every time you visit a Priority Pass lounge.
If you haven’t registered your Priority Pass membership in advance, you need to use your physical Nordea Premium card and the Nordea ID app or Nordea ID device to verify your identity when you visit a lounge for the first time. Please note that you also have to enable online payments with your Nordea Premium card every time you visit a Priority Pass airport lounge.
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.
Nordea Premium card terms and conditions
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 € |
Monthly fee | Price |
Nordea Premium combination card or Nordea Premium card | 7,50 € |
Parallel card | 3,00 € |
Additional service | Price |
Picture card renewal - own picture or picture from the photo gallery per card | 12,00 € |
MasterCard queries in Netbank or Mobile Bank per month | 0,00 € |
Service fee for an express order of MasterCard | 20,00 € |
Transaction query for bank account at Otto.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 | 0,00 € |
Transfer from credit card | Interest-bearing as of the transfer date |
Printed credit card invoice/per invoice | 3,00 € |
Copies of invoices and receipts/per item | 7,00 € |
Change or renewal of card during its validity | 10,00 € |
Finder’s fee | 0,00 € |
Confiscation fee for a card used in violation of the card terms and conditions | 120,00 € |
Cash withdrawal | 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 withdrawal | 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 fee | 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 € |
Monthly fee | Price |
Nordea Premium combination card or Nordea Premium card | 7,50 € |
Parallel card | 3,00 € |
Additional service | Price |
Picture card 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 | 20,00 €
|
Transaction query for bank account or credit account at Otto.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
| 0,00 €
|
Change of credit limit | 0,00 €
|
Change of repayment schedule
| 0,00 €
|
Transfer from credit card | 2,00 € + 3 %
|
Printed credit card invoice/per invoice | 3,00 € |
Copies of invoices and receipts | 7,00 € |
Change or renewal of card during its validity | 10,00 €
|
Finder’s fee | 0,00 € |
Confiscation fee for a card used in violation of the card terms and conditions | 120,00 € |
Cash withdrawal | 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 withdrawal | 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 fee | 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 easily do much of your banking in Nordea Mobile and Netbank anywhere and anytime. By using Nordea Mobile and Netbank, you can edit your card’s security limits and usage area and check your PIN for free. You can also adjust your monthly credit card payment, invoice due date and instalment-free months.
See what else you can do with your card in Nordea Mobile and Netbank.
Please note that the instalment-free months cannot be consecutive months. The minimum instalment is 3% a month. 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.
In Netbank and Nordea Mobile, you can transfer money from your credit card to your personal bank account or a bank account you are authorised to use. For example, you can transfer 100 euros from the credit facility to your account if you won’t receive your salary for another week.
Please note that interest will begin accruing on any cash you withdraw from your credit facility from the day of the withdrawal. Alternatively, a withdrawal fee may be charged. See the tariff for your card.
You can easily check your card’s PIN in Nordea Mobile or Netbank.
Checking your PIN in Nordea Mobile or Netbank is free of charge.
Connect your bank account to the card, and your purchases and cash withdrawals will be debited either to your credit card (credit) or bank account (debit) as you wish. Any card payments and cash withdrawals you make abroad are debited in euros either to your bank account (debit) or credit card (credit).
For Nordea Premium card you can apply for a credit limit increase up to 20 000 euros.
You can apply for a credit limit increase by filling in our online form.
Apply to increase the credit limit on your Nordea Premium card
You can apply to increase your credit limit if you have a regular income, a good payment history and a clean credit record. The factors determining the credit limit you can get include your income, your current debt and the balance of your finances.
You can edit the security settings on your card in Nordea Mobile and Netbank.
New card to replace a broken one
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.
Tracking of card transactions
You can keep track of your card transactions in Nordea Mobile or Netbank.
Credit card transactions:
Debit card 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.
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.
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).