Credit card for students

You can apply for a student credit card even if you don’t have regular income

If you’re a university student, you may be eligible for the Nordea Gold or Nordea Credit combination card. These cards have a lower credit limit, and you don’t need to have regular income either.

The other features are the same as in the combination cards that we offer to our other customers. You can charge your purchases to your bank account, but when you pay with credit, you can get extra coverage for your purchases and a longer repayment period.

You can also enjoy the benefits of our credit cards. Both cards come with Mastercard Priceless benefits that give you exclusive access to presale tickets for events and concerts. Furthermore, Nordea Gold comes with travel insurance and the cashback benefit, allowing you to earn money back on your credit card purchases.

Read when you should use a credit card

How to apply for a student credit card

You can apply for the card as soon as you have been admitted to study.

You can apply for Nordea Gold or Nordea Credit under the Services tab in Nordea Mobile or Netbank. Go to “Credit and payment cards” and select the card you want.
If you don’t have regular income, select 2,500 euros as your credit limit if you apply for Nordea Credit and 5,000 if you apply for Nordea Gold. In both cases, you may be eligible for a student credit card with a credit limit of 2,500 euros.
In addition to your income, we also ask you about your employment in the application. Be sure to select “Student” as your profession.
After you have submitted your application, be prepared to send us your study certificate when we ask for it.

Eligibility

You can apply for a student credit card if you:

are studying at a Finnish university or university of applied sciences or at some other higher education institution
are aged 18 or over
live permanently in Finland
have a clean credit record.

Select Nordea Gold or Nordea Credit as your student credit card

As a student, you can select either Nordea Gold or Nordea Credit as your credit card. Nordea Gold includes more benefits and has a lower margin, whereas Nordea Credit has a lower monthly fee. Read more about the cards and choose the best option for you.

	Select Nordea Gold Nordea Credit	Select Nordea Gold Nordea Credit
	Nordea GoldNordea Gold	Nordea CreditNordea Credit
Credit limitCredit limit
Credit limit for students without a regular income Credit limit for students without a regular income
Credit limit for students without a regular income Credit limit for students without a regular income	Credit limit for students without a regular income - 2 500 €	Credit limit for students without a regular income - 2 500 €
Credit limit for non-student customers Credit limit for non-student customers
Credit limit for non-student customers Credit limit for non-student customers	Credit limit for non-student customers - 5 000–10 000 €	Credit limit for non-student customers - 2 500–5 000 €
Interest and monthly feeInterest and monthly fee
Nominal interest Nominal interest
Nominal interest Nominal interest	Nominal interest - 3-month Euribor + 13.9%	Nominal interest - 3-month Euribor + 14.9%
Monthly fee for customers aged 18–27, as part of a service package Monthly fee for customers aged 18–27, as part of a service package
Monthly fee for customers aged 18–27, as part of a service package Monthly fee for customers aged 18–27, as part of a service package	Monthly fee for customers aged 18–27, as part of a service package - 0,99 €	Monthly fee for customers aged 18–27, as part of a service package - 0,00 €
Monthly fee without a service package Monthly fee without a service package
Monthly fee without a service package Monthly fee without a service package	Monthly fee without a service package - 5,99 €	Monthly fee without a service package - 2,99 €
Insurance policiesInsurance policies
Product Safety Insurance Product Safety Insurance
Product Safety Insurance Product Safety Insurance	Product Safety Insurance Check Mark Yes	Product Safety Insurance Check Mark Yes
International travel insurance International travel insurance
International travel insurance International travel insurance	International travel insurance Check Mark Yes	International travel insurance Check Mark No
Other perksOther perks
K-Plussa K-Plussa
K-Plussa K-Plussa	K-Plussa Check Mark Yes	K-Plussa Check Mark Yes
Priceless Priceless
Priceless Priceless	Priceless Check Mark Yes	Priceless Check Mark Yes
Cashback Cashback
Cashback Cashback	Cashback Check Mark Yes	Cashback Check Mark No
	Discover Nordea GoldDiscover Nordea Gold	Discover Nordea CreditDiscover Nordea Credit

Frequently asked questions about student credit cards

I can’t find a credit limit of 2,500 euros in the application for Nordea Gold. What should I do?

The minimum credit limit of Nordea Gold you can apply for is 5,000 euros. Select this credit limit and be sure to select “Student” as your profession. We will then know that your application is for a student credit card, and your credit limit will be 2,500 euros.

I am a university student, but I also have regular income. How do I fill in the application?

In this case, you can apply for a credit limit above 2,500 euros, if you believe your regular income is sufficient to ensure your repayment ability. Remember to also state your regular income in the application.

If you are not sure if your regular income is sufficient, you should first apply for the minimum credit limit and apply to increase it later, if necessary. Be sure to select “Student” in the application.

What happens to my student credit card when I graduate?

When you complete your degree, your student credit card remains valid with the same lower credit limit. If you have regular income when you complete your degree, you can apply to increase your credit limit.

Read more about how to increase your credit limit

What do card insurance policies cover?

Both cards include Product Safety Insurance that covers sudden breakages of new products paid with your credit card. Nordea Gold also includes international travel insurance if you pay for your trip using your credit card.

Monthly fee and interest

Terms and consumer rights

Monthly fees for the cards and interest expenses

The monthly fee for Nordea Gold is 5.99 euros, including the card fee of 2.99 euros and the additional services linked to the card. The interest rate on the credit is the 3-month Euribor + 13.90%.
The monthly fee for Nordea Credit is 2.99 euros. The interest rate on the credit is the 3-month Euribor + 14.90%.
You can get the student credit card at a lower cost by choosing one of our service packages. For example, the price of a Gold package is 0.99 euros per month and a Blue package including a Nordea Credit card is free of charge for customers aged 18–27.

Example calculations for Nordea Gold and Nordea Credit cards

With a Nordea Gold credit card, the annual percentage rate for an outstanding credit balance of 1,500 euros is 22.1% when the 3-month Euribor reference rate is 2.08% (April 2026). The calculation assumes that you have opted for the free e-invoice, repay the credit in 12 monthly instalments (133 euros) and pay 2.99 euros per month for the credit facility. The calculation does not include any additional services included in the total monthly fee for the card. The estimated total cost of the credit is 1,669 euros.

With a Nordea Credit credit card, the annual percentage rate for an outstanding credit balance of 1,500 euros is 23.3% when the 3-month Euribor reference rate is 2.08% (April 2026). The calculation assumes that you have opted for the free e-invoice, repay the credit in 12 monthly instalments (133 euros) and the monthly fee for the card is 2.99 euros. The estimated total cost of the credit is 1,677 euros. 

The creditor is Nordea Bank Abp, Satamaradankatu 5, Helsinki, or Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki.