Credit cards

We have two credit cards exclusively for our Private Banking clients – Nordea Platinum and Nordea Black. Both cards offer extensive insurances and up to 30 days interest-free payment period.

Credit cards

As a client in Nordea Private Banking, you get access to one of the best credit card offerings in the market. Nordea Platinum and Nordea Black are so much more than just credit cards. They provide you with extended travel insurances, lounge access and other benefits that will make your life more comfortable.

Nordea Platinum

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With Nordea Platinum you will have: 

  • Six free lounge stays world-wide a year for you and your family
  • Extensive travel insurance covering you and your family for up to 90 days of travelling
  • Product Safety insurance cover when you use your card’s credit facility to pay for a purchase of at least 100 euros for your home or holiday home
  • Credit card limit 5 000 – 42 100 euros a month 
  • Contactless payments 
  • Apple Pay and Google Pay

Read more about Nordea Platinum

Nordea Black

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Nordea Black is a unique credit card, offered to selected clients only

With Nordea Black you will have: 

  • Free lounge access to airport lounges world-wide for you and your family
  • Concierge service – your personal organiser who can book your travel, dinner reservation or find a ticket to that concert you want to go to
  • Extensive travel insurance covering you and your family for up to 90 days of travelling
  • Comprehensive insurance cover when you pay for your purchases with the card’s credit feature
  • Credit card limit 5 000 – 50 000 euros a month
  • Contactless payments 
  • Apple Pay and Google Pay

Read more about Nordea Black

Credit and cash

Nordea Platinum

Credit and cash

With Nordea Platinum you can pay your purchases easily both at home or abroad. You can also use your card to make purchases on the Internet and withdraw cash at ATMs. The card’s contactless payment feature allows you to pay for small purchases quickly and flexibly from your bank account. The combination card allows you to pay your purchases either from credit (Credit) or directly from your bank account (Debit). You will get a 30-day interest-free payment period on average for all the purchases from the credit and cash withdrawals you make with your card. When you get the invoice, you decide whether to pay the sum total, the minimum amount, or something in between*.

In Nordea’s Netbank or with a mobile app downloadable to your phone you can easily monitor your card purchases or change your card settings irrespective of time and place.

* The annual percentage rate of charge calculated on a Nordea Platinum Mastercard credit of EUR 1,500 is 14,5 % (June 2019) for customers with service agreements. The credit interest is the 3-month Euribor + 7.5%. For customers with service agreements, the principal card is free. The calculation includes the monthly account management fee of 4.50 euros. E-invoice has been used as a default invoicing method in the calculation. The minimum credit limit for Nordea Platinum Mastercard is 5 000 euros and the maximum limit is 42,100 euros. The credit is valid until further notice. The total credit amount depends on the use of the credit, the amounts of the repayment instalments and the duration of the credit agreement. The creditor is Nordea Finance Finland Ltd. 

Priority Pass and travel insurance
Safe online purchases
That extra something
Prices for Nordea Platinum
Nordea Platinum documents and phone numbers

Nordea Platinum

Credit and cash

With Nordea Platinum you can pay your purchases easily both at home or abroad. You can also use your card to make purchases on the Internet and withdraw cash at ATMs. The card’s contactless payment feature allows you to pay for small purchases quickly and flexibly from your bank account. The combination card allows you to pay your purchases either from credit (Credit) or directly from your bank account (Debit). You will get a 30-day interest-free payment period on average for all the purchases from the credit and cash withdrawals you make with your card. When you get the invoice, you decide whether to pay the sum total, the minimum amount, or something in between*.

In Nordea’s Netbank or with a mobile app downloadable to your phone you can easily monitor your card purchases or change your card settings irrespective of time and place.

* The annual percentage rate of charge calculated on a Nordea Platinum Mastercard credit of EUR 1,500 is 14,5 % (June 2019) for customers with service agreements. The credit interest is the 3-month Euribor + 7.5%. For customers with service agreements, the principal card is free. The calculation includes the monthly account management fee of 4.50 euros. E-invoice has been used as a default invoicing method in the calculation. The minimum credit limit for Nordea Platinum Mastercard is 5 000 euros and the maximum limit is 42,100 euros. The credit is valid until further notice. The total credit amount depends on the use of the credit, the amounts of the repayment instalments and the duration of the credit agreement. The creditor is Nordea Finance Finland Ltd. 

Nordea Platinum

Priority Pass and travel insurance

As a holder of Nordea Platinum, you can enjoy the Priority Pass lounges at more than 300 airports all over the world. Your Priority Pass card gives you six free lounge stays a year. If you want, you can take your guest with you to a lounge. In this case a free stay is charged for each of your guest. Check the lounges of your travel destination in advance at www.prioritypass.comOpens new window

Nordea Platinum features continuous travel insurance for trips at home and abroad. The insurance is valid even if you do not pay your trip with the card. The insurance covers 16–78-year-old Nordea Platinum holders and the accompanying family members in accordance with the insurance terms. Travel insurance covers compensation for travel illness and travel accident, including transportation, luggage insurance and compensation for cancellation or interruption of the trip. The insured is also entitled to compensation for delayed luggage or flights, interruption of the trip or missed departure or connection. The travel insurance also includes liability insurance.

The Tryg Alarm, Falck Global Assistance service helps you in serious emergencies tel. +358 800 93556 (24h service).

Terms for travel insurance

Travel insurance claimOpens new window

The insurer is Tryg Insurance A/S, address Sveavägen 167, 11346 Stockholm, Sweden. If you travel to a country where a separate travel insurance certificate is needed, contact the insurance company’s customer service, tel +358 800 935 55 (Mon-Fri 8-16).

Nordea Platinum

Safe shopping

If you want to make online purchases, register your card for online use. You can easily do that in Netbank under Cards. This will also register your card for the Mastercard SecureCode service. Use the Mastercard SecureCode service to pay your online purchases with added security. With the service, both the buyer and the merchant can be identified reliably. Online merchants that have subscribed to the service display the Mastercard SecureCode symbol on their website. When you pay with your card in an online shop that has joined the Mastercard SecureCode service, you confirm the payment with your Nordea access codes. When you pay online, you are asked to enter the card number, the card validity and the threedigit security code which features on the back of the card. 

Use Nordea Platinum card for all your purchases. When you use your card’s credit facility to pay for a purchase of at least 100 euros for your home or holiday home, you get Product Safety insurance for the purchase. It covers damaged or broken items purchased in the Nordic countries in accordance with the insurance terms and conditions.

Nordea Platinum Insurance conditions

Nordea Platinum

Nordea Platinum also for your family members

With Nordea Platinum you can have parallel cards for all your family members who are 15 years or older. You can apply for a parallel card at a Nordea branch. Go to a Nordea branch together with the applicant for the parallel card. Adult cardholders can attach their bank account to their card for using the debit facility. You can set a separate usage limit for a parallel card if you want to limit the use of the card. The transactions of all cards are shown on the same invoice.

Read more about Mastercard Priceless Cities - benefitsOpens new window.

Prices for Nordea Platinum

Private Banking customers will not be charged any monthly or annual fees for primary or parallel cards.

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 and Nordea's payment ATMs, per query1,00 €
Balance query at an ATM0,60 €
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/change0,00 €
Change of repayment schedule/change5,00 €
Transfer from credit cardInterest-bearing as of the transfer date
Printed credit card invoice/per invoice3,00 €

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

2,75 €

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 €        

0,60 €

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 withdrawal0,60 €

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.

Nordea Platinum

Important documents and phone numbers

Nordea Customer Service, on banking days 8.00-18.00  

In Finland: 0200 70 000 (mobile network charge/mobile call charge) 

From abroad: +358 200 70 000 (international call charge)

Emergency cash (24h)  

Nets Helpline: (09) 696 4696

From abroad: +358 9 696 4696

Insurances

Insurance company Tryg: +358 800 935 55, Mon-Fri 8-16

Emergency assistance: Tryg Alarm, Falck Global Assistance, Helsinki, tel. +358 800 935 56 (24/7); e-mail alarm@tryg.fi

Always keep important contact information with you.

Always affluent

Nordea Black

Always affluent

The Nordea Black card offers you different ways to pay, individual service and unique advantages.

The combination card allows you to pay your purchases either from credit (Credit) or directly from your bank account (Debit). Nordea Black’s debit feature also includes the contactless payment feature. You can pay for your purchases costing less than 50 euros without having to key in your PIN, just by showing your card to the reader. However, you can of course pay for small purchases with your PIN, if you want to.

If you lose your card or if it is stolen abroad, you will get help. The Nordea Black services include emergency cash, which will be delivered to you within 12–24 hours from your request.

*The annual percentage rate of charge calculated on a Nordea Black Mastercard credit of EUR 1,500 is 14,5 % (June 2019) for customers with service agreements. The credit interest is the 3-month Euribor + 7.5%. For customers with service agreements, the principal card is free. The calculation includes the monthly account management fee of 4.50 euros. E-invoice has been used as a default invoicing method in the calculation. The minimum credit limit for Nordea Black Mastercard is 5 000 euros and the maximum limit is 50 000 euros. The credit is valid until further notice. The total credit amount depends on the use of the credit, the amounts of the repayment instalments and the duration of the credit agreement. The creditor is Nordea Bank Abp, Satamaradankatu 5, FI-00020 NORDEA. 

Travel with quality
Concierge service
Safe shopping
Nordea Black Insurances
Prices for Nordea Black
Nordea Black documents and phone numbers

Nordea Black

Always affluent

The Nordea Black card offers you different ways to pay, individual service and unique advantages.

The combination card allows you to pay your purchases either from credit (Credit) or directly from your bank account (Debit). Nordea Black’s debit feature also includes the contactless payment feature. You can pay for your purchases costing less than 50 euros without having to key in your PIN, just by showing your card to the reader. However, you can of course pay for small purchases with your PIN, if you want to.

If you lose your card or if it is stolen abroad, you will get help. The Nordea Black services include emergency cash, which will be delivered to you within 12–24 hours from your request.

*The annual percentage rate of charge calculated on a Nordea Black Mastercard credit of EUR 1,500 is 14,5 % (June 2019) for customers with service agreements. The credit interest is the 3-month Euribor + 7.5%. For customers with service agreements, the principal card is free. The calculation includes the monthly account management fee of 4.50 euros. E-invoice has been used as a default invoicing method in the calculation. The minimum credit limit for Nordea Black Mastercard is 5 000 euros and the maximum limit is 50 000 euros. The credit is valid until further notice. The total credit amount depends on the use of the credit, the amounts of the repayment instalments and the duration of the credit agreement. The creditor is Nordea Bank Abp, Satamaradankatu 5, FI-00020 NORDEA. 

Nordea Black

Travel with quality

 Nordea Black bring convenience at busy airports by offering access to Priory Pass lounges. Enjoy your trip right from the start. Nordea Black gives free lounge access to airport lounges world-wide for you and your family. More information on the lounges is available at www.prioritypass.comOpens new window

Nordea Black card include a continuous travel insurance for trips at home and abroad. The insurance covers travel time illness, accidents and your luggage. It also includes liability insurance, and compensates for delayed luggage and flights delay of other public transportation and cancellation or interruption of the trip. 

The insurance offers valuable and extensive additional cover to the cardholder and the family members travelling with him or her.

Terms for travel insurance  (pdf, 668 KB)Opens new window

Travel insurance claimOpens new window

Nordea Black

Services for everyday life or special occasions

Concierge service included in the Nordea Black card will handle the practical arrangements of your daily routines or special occasions. If you need information on your future travel destination, help in booking flight tickets and hotels, or even organising a party, you can take care of the matter with one phone call to Nordea Black Service. Any additional services subject to a fee will be conveniently charged to your Nordea Black card.

Your personal organiser in action – a client testimonial

“I’ve had the privilege of utilizing the concierge services several times. Each time I have been very pleased with both the service provided and the approach. I would like to share one example in particular, where the support I received were on an exceptionally high level and by far exceeded my high expectations:

Me and my wife travelled to several cities in the United States together with two friends. Cecilia at the Concierge service assisted us in booking apartments in three different cities, hotel rooms, rental car and a few event tickets. I addition to this, she provided me with suggestions for different driving routes as well as attractions and activities. I can say that Cecilia has been an excellent support. She has worked in a professional manner, had a high level of service and has been quick in her response. All this in combination with a very positive and nice attitude.”

Nordea Black

Product safety insurance

Use Nordea Black card for all your purchases. When you use the card's credit facility to pay for a product of at least 100 euros for your home or holiday home, you get free insurance for the product.  

Product Safety Insurance covers items purchased in the Nordic countries if they get damaged or broken. 

Extended warranty and additional insurances (pdf, 513 KB)Opens new window

Nordea Black

Nordea Black includes other insurances as well

  • Extended Warranty provides useful additional cover in the case of broken home or consumer appliances when the appliance has been paid in full with the card's credit facility. Extended Warranty is in force for a maximum period of 2 years and its validity begins when the manufacturer's or seller's warranty ends.
  • Cancellation cover for event tickets compensates you for the price of your unused ticket in the case of unexpected hindrances. 
  • The golfer's cover compensates you for the theft of equipment or personal items while golfing and the costs of hole-in-one celebratory drinks. You can also claim compensation for unused membership fees of a golf association or club or for golf tournament fees when they have been paid in full with Nordea Black's credit facility.  
  • The identity theft insurance protects the cardholder from the illegal use of his or her name and personal identity number when someone is trying to use them to open a credit or bank account.

Priceless CitiesOpens new window

Prices for Nordea Black

Private Banking customers will not be charged any monthly or annual fees for primary or parallel cards.

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 and Nordea's payment ATMs, per query1,00 €
Balance query at an ATM0,60 €
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/change0,00 €
Change of repayment schedule/change5,00 €
Transfer from credit cardInterest-bearing as of the transfer date
Printed credit card invoice/per invoice3,00 €

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

2,75 €

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 €        

0,60 €

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 withdrawal0,60 €

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.

Become a Private Banking customer?  

Contact us

0200 70000 (lnc/mcc*)

* local network charge/mobile call charge