Credit cards

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.

_{* With a Nordea Platinum credit card, the actual annual percentage rate of charge for an outstanding credit balance of 1,500 euros is 19,28% when the 3-month Euribor reference rate is 3,89% (07/2024), the monthly account management fee is 4.50 euros, the customer has opted for the free e-invoice and repays the credit in 12 monthly instalments (137 euros). The estimated total cost of the credit is 1,648 euros. The calculation assumes that the customer pays no fee for the principal card. The creditor is Nordea Bank Abp, Satamaradankatu 5, Helsinki, or Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki.}

As a holder of Nordea Platinum, you can enjoy the Priority Pass lounges at more than 1 500 airports all over the world. Your Priority Pass benefit 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. 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 Platinum credit card and the Nordea ID app or the Nordea ID device for authentication. Begin by entering the number of your Nordea Platinum credit facility into the Payment Card Number field. Once you have provided all the requested card and invoicing details, confirm your Priority Pass membership with your Nordea ID app or Nordea ID device. You have to enable online payments with your card before you register for the Priority Pass service. You can do this in Nordea Mobile or Netbank. 

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. 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 also provides you with up-to-date information on airport lounges covered by the Priority Pass benefit across the world as well as information on additional benefits and discounts at different airports. In the app, you can easily check how many lounge visits you have made. 

You can also get the lounge benefit by showing your physical Nordea Platinum card at the lounge reception. If you only show your card at the reception, remember to always mention that your Nordea Platinum 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 Platinum 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 Platinum card every time you visit a Priority Pass airport lounge.

Frequently asked questions: 

1. I have already registered for the Priority Pass service using another card. Can I register other cards from Nordea or another service provider in the Priority Pass service? You can only register one card per user ID in the Priority Pass service. If you have previously registered another card in the Priority Pass service, you need to create a new user ID for your Nordea Platinum card in order to be able to register it.

2. I forgot to register my membership but would like to make use of my airport lounge benefit. What should I do?   You can also access airport lounges with your physical Nordea Platinum credit card. If you haven’t registered for the digital membership card or downloaded the mobile app in advance but would like to take advantage of your benefit and access a lounge with your Nordea card, the registration will be done on your behalf in the lounge. For the registration, you’ll need your Mastercard and your Nordea ID app or Nordea ID device for authentication.

If you use your physical Mastercard to access a lounge, remember to mention that you are a Priority Pass member to ensure that you can enter free of charge. Please note that you can’t access lounges with a card added to your phone’s mobile wallet, such as Apple Pay. 

3. Priority Pass has placed an authorisation hold on my credit card. What does this mean? When you register your digital membership card in the Priority Pass service, a temporary authorisation hold of 1 euro is placed on your credit card. A temporary authorisation hold of 1 euro is also placed on your credit card every time you access a lounge. The authorisation hold is used to confirm that your credit card is valid. The amount is released after the authorisation hold expires.

4. What should I do if I can’t access a lounge with my mobile app or card? If you have problems with accessing a lounge, please check that you have enabled online payments with your card. Online payments need to be enabled to confirm that your card is valid. You can do this in Nordea Mobile or Netbank.

Also check that your card details in the service are up to date. You need to update your card details every time your card is renewed. If your digital membership card still doesn’t work, please contact Priority Pass customer support on +44 20 8680 1338, which is available 24/7.

Fast Track

• The Fast Track service needs to be booked in advance. It enables a smooth security check and provides extra comfort for your trip.
• Fast Track gives you access to airport lounges, restaurants and shopping facilities quickly and with no need to hurry.

How to start using the Fast Track benefit:

1. Book your Fast Track security check in the Mastercard Travel Experiences app or on the Mastercard Travel Experiences website: Travel Experiences websiteOpens new window, Travel Experiences app: AppStore and Google Play.

2. Select the airport, the number of passengers and the time slot when you will go to the security checkpoint in the app or on the website.

The Fast Track service is free for cardholders. Upon booking, the booking app shows that the price of the service is 6.20 euros per person*. Once the service is booked, the price will be reset to 0 euros for the cardholder. For other passengers connected to the same Fast Track booking the service is subject to a fee (6.20 euros per person*).

*) The price applies to the Helsinki-Vantaa Airport. The price of the Fast Track service may vary at other airports within the scope of the service. You can check the current price for different airports on the Mastercard Travel Experiences website or in the Mastercard Travel Experiences app.

3. You receive your Fast Track ticket in the Travel Experiences app or via email.

4. You can find the dedicated lane straight to the Fast Track security checkpoint by following the directional signs at the airport.

5. Show your Fast Track ticket you have received in the Travel Experiences app or via email in the Fast Track security check.

Travel insurance

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 claim

Product safety insurance

Use Nordea Platinum 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

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.

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

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.

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.

* With a Nordea Black credit card, the actual annual percentage rate of charge for an outstanding credit balance of 1,500 euros is 19,28% when the 3-month Euribor reference rate is 3,89% (07/2024), the monthly account management fee is 4.50 euros, the customer has opted for the free e-invoice and repays the credit in 12 monthly instalments (137 euros). The estimated total cost of the credit is 1,648 euros. The calculation assumes that the customer pays no fee for the principal card. The creditor is Nordea Bank Abp, Satamaradankatu 5, Helsinki, or Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki.

As a holder of Nordea Black, you and your travel companions have unlimited access to Priority Pass lounges at more than 1,500 airports across the world. 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 Black credit card and the Nordea ID app or the Nordea ID device for authentication. Begin by entering the number of your Nordea Black credit facility into the Payment Card Number field. Once you have provided all the requested card and invoicing details, confirm your Priority Pass membership with your Nordea ID app or Nordea ID device. You have to enable online payments with your card before you register for the Priority Pass service. You can do this in Nordea Mobile or Netbank. 

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. 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 also provides you with up-to-date information on airport lounges covered by the Priority Pass benefit across the world as well as information on additional benefits and discounts at different airports. In the app, you can easily check how many lounge visits you have made. 

You can also get the lounge benefit by showing your physical Nordea Black card at the lounge reception. If you only show your card at the reception, remember to always mention that your Nordea Black 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 Black 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 Black card every time you visit a Priority Pass airport lounge. 

Frequently asked questions: 

1. I have already registered for the Priority Pass service using another card. Can I register other cards from Nordea or another service provider in the Priority Pass service? As a holder of Nordea Black, your card comes with unlimited access to the lounge service.  You can only register one card per user ID in the Priority Pass service. If you have previously registered another card in the Priority Pass service, you need to create a new user ID for your Nordea Black card in order to be able to register it. 

2. I forgot to register my membership but would like to make use of my airport lounge benefit. What should I do?   You can also access airport lounges with your physical Nordea Black credit card. If you haven’t registered for the digital membership card or downloaded the mobile app in advance but would like to take advantage of your benefit and access a lounge with your Nordea card, the registration will be done on your behalf in the lounge. For the registration, you’ll need your Mastercard and your Nordea ID app or Nordea ID device for authentication.  

If you use your physical Mastercard to access a lounge, remember to mention that you are a Priority Pass member to ensure that you can enter free of charge. Please note that you can’t access lounges with a card added to your phone’s mobile wallet, such as Apple Pay.  

3. Priority Pass has placed an authorisation hold on my credit card. What does this mean? When you register your digital membership card in the Priority Pass service, a temporary authorisation hold of 1 euro is placed on your credit card. A temporary authorisation hold of 1 euro is also placed on your credit card every time you access a lounge. The authorisation hold is used to confirm that your credit card is valid. The amount is released after the authorisation hold expires.  

4. What should I do if I can’t access a lounge with my mobile app or card? If you have problems with accessing a lounge, please check that you have enabled online payments with your card. Online payments need to be enabled to confirm that your card is valid. You can do this in Nordea Mobile or Netbank. 

Also check that your card details in the service are up to date. You need to update your card details every time your card is renewed. If your digital membership card still doesn’t work, please contact Priority Pass customer support on +44 20 8680 1338, which is available 24/7.

Fast Track

• The Fast Track service needs to be booked in advance. It enables a smooth security check and provides extra comfort for your trip.
• Fast Track gives you access to airport lounges, restaurants and shopping facilities quickly and with no need to hurry.

How to start using the Fast Track benefit:

1. Book your Fast Track security check in the Mastercard Travel Experiences app or on the Mastercard Travel Experiences website: Travel Experiences websiteOpens new window, Travel Experiences app: AppStore and Google Play.

2. Select the airport, the number of passengers and the time slot when you will go to the security checkpoint in the app or on the website.

The Fast Track service is free for cardholders. Upon booking, the booking app shows that the price of the service is 6.20 euros per person*. Once the service is booked, the price will be reset to 0 euros for the cardholder. For other passengers connected to the same Fast Track booking the service is subject to a fee (6.20 euros per person*).

*) The price applies to the Helsinki-Vantaa Airport. The price of the Fast Track service may vary at other airports within the scope of the service. You can check the current price for different airports on the Mastercard Travel Experiences website or in the Mastercard Travel Experiences app.

3. You receive your Fast Track ticket in the Travel Experiences app or via email.

4. You can find the dedicated lane straight to the Fast Track security checkpoint by following the directional signs at the airport.

5. Show your Fast Track ticket you have received in the Travel Experiences app or via email in the Fast Track security check.

As a holder of a Nordea Black card, you are entitled to an exclusive concierge service. This personalised service is designed to assist you with all of your arrangements from everyday conveniences to special events. Whether you need information about an upcoming travel destination or help with booking flights and hotels, organising a party or renting a car, the concierge service is available to you 24/7. It also gives you access to special discounts and perks. The concierge service itself is free of charge – you only pay for the services you order. 

To explore your perks and what the concierge service can do for you, visit the website of Mastercard Travel & Lifestyle Services. If you have any questions about the concierge service, you can call their customer support or reach out via email or chat.

How to activate the concierge service

To activate the service for the first time, you need to register your Nordea Black card with the concierge service. You can either register for the concierge service on the website of Mastercard Travel & Lifestyle Services or by calling their customer support.

Register on the website 

1. Go to the website of Mastercard Travel & Lifestyle Services.

2. Select “Suomi” as the country/language and click on “Rekisteröidy”. 

3. Follow the steps and fill in the requested information.

4. You will receive a confirmation email from the concierge service within 24 hours from completing the registration. Follow the instructions in the email to confirm that you want to activate the service.

5. The service is now available to you.

Register by phone

1. You can call the concierge service customer support for free from Finland on 0800 774186. For calls from abroad, the number is +358 9 72522513 (local rates apply). The customer support line is available between 9.00–21.00. It provides service in Finnish and on request in Swedish Mon–Fri, 9.00–18.00, and at other times in English. If the Finnish customer support team is busy, your call will be forwarded to the English-speaking customer support team.

2. They will register your Nordea Black card with the concierge service.

3. You will receive a confirmation email from the concierge service within 24 hours from completing the registration. Follow the instructions in the email to confirm that you want to activate the service.

4. The service is now available to you.

How to use the service

Once you have registered your Nordea Black card with the service, you can contact the concierge service for your needs.

· You will have access to all your perks on the Mastercard website. The concierge service is also available to you via email at mastercard.fi-eu@tengroup.com. The chat service on the Mastercard website is at your disposal 24/7.

· If you want more information about the services available and to order services, please contact the concierge service customer support on 0800 774186. For calls from abroad, the number is +358 9 72522513 (local rates apply). The customer support line is available between 9.00–21.00. It provides service in Finnish and on request in Swedish Mon–Fri, 9.00–18.00, and at other times in English. If the Finnish customer support team is busy, your call will be forwarded to the English-speaking customer support team.

Travel insurance

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. The insurance covers 16–78-year-old Nordea Black holders and the accompanying family members in accordance with the insurance terms.

Terms for travel insurance 

Travel insurance claim

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 insurancespdf - Opens new window

• 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.

Extended warranty and additional insurances

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

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)

Always keep important contact information with you.

General card terms and conditions

Terms for Nordea cards' credit accounts

Standard European Consumer Credit Information