The Nordea Gold Mastercard is a popular choice in Sweden. It provides flexibility, charging purchases to a bank account or credit facility.
If you have one of Nordea’s daily banking packages, there is no monthly fee. The card also includes valuable insurance coverage, protecting trips abroad and purchases.
To learn how to apply online, follow the simple steps designed for a successful application.
Key Takeaways About Nordea Gold Mastercard
Here are our key takeaways:
- Quick access to the card: You can start using mobile payments immediately after receiving the Nordea Gold Mastercard in Nordea Mobile.
- Interest-free payment period of 30 days: Purchases made using the Nordea Gold Mastercard offer a 30-day interest-free period, allowing flexibility without needing to pay immediately.
- Flexible card settings: Card settings can easily be managed through Nordea Mobile or Netbank, providing convenience for users in Sweden.
What Is the Nordea Gold Mastercard
The Nordea Gold Mastercard offers flexibility for users in Sweden. Purchases can be charged to either a credit facility or a bank account.
The card includes international travel insurance and Product Safety Insurance, covering items bought for the home. Applicants can request a credit limit ranging from 15,000 SEK to 100,000 SEK.
Nordea Gold Mastercard Overview:
- Credit limit: 15,000–100,000 SEK.
- Interest rate: 3-month Euribor + 9.5%.
- Monthly account management fee: 45 SEK if there is interest-bearing debt.
- Combination card: Purchases can be charged to either credit or debit.
- Option to add K-Plussa feature to the card.
Benefits of Nordea Gold Mastercard:
- No monthly fee with specific Nordea daily banking packages.
- A flexible card for travel and purchases.
- Product Safety Insurance for maximum protection on home purchases.
- Priceless experiences and exclusive benefits.
- Two instalment-free months per year.
How to Apply for a Nordea Gold Mastercard in Nordea Mobile
Applying for a Nordea Gold Mastercard is simple using the Nordea Mobile app. Make sure the latest version of the app is installed.
Are You Eligible?
To apply for the Nordea Gold Mastercard, ensure you meet these criteria:
- Aged 18 or over
- Reside permanently in Sweden
- Have a regular income and a good payment history
- Clean credit record
Steps to Apply
Follow these steps to submit your application:
- Open Nordea Mobile and select 'Services'.
- Tap 'Credit and payment cards'.
- Select Nordea Gold.
- Tap 'Apply for Nordea Gold'.
- Complete the card application form.
- Confirm and send the application.
Once approved, the Nordea Gold Mastercard will be mailed to your registered address in Sweden. If you need any additional information, Nordea will contact you.
Use Your Card Before It Arrives
After approval, you can activate the mobile version of the Nordea Gold Mastercard. Before receiving the physical card, you can use it with Google Pay, Apple Pay, or Samsung Pay.
Instructions to Make Changes to Nordea Gold Mastercard
How to make changes:
- Open Nordea Mobile and select the Nordea Gold Mastercard.
- Tap "Edit credit".
- Change the minimum installment percentage, installment-free months, and/or the due date of your credit. You can adjust all three or just one.
- After making the changes, tap "Confirm" and enter your PIN in the code app.
- The changes are confirmed.
Note: Instalment-free months cannot be consecutive. The minimum installment is 3% per month.
Daily Spending Limits, Geographical Restrictions, and Online Payments
You can manage the security settings for your Nordea Gold Mastercard in both Nordea Mobile and Netbank.
- In Netbank: Go to Finances > Cards. Select Nordea Gold Mastercard, then click on Card details to make changes.
- In Nordea Mobile: Select Nordea Gold Mastercard, then go to Settings.
Invoicing and Transaction Tracking for Nordea Gold Mastercard
You can easily keep track of Nordea Gold Mastercard transactions using Nordea Mobile or Netbank.
Credit Card Transactions:
- Select your Nordea Gold Mastercard on the front page of Nordea Mobile or Netbank.
- View the latest transactions made with the credit facility.
- In Netbank, access recent and older e-invoices to review past transactions. Go to Payments > E-invoices > History to see transactions up to 18 months old.
- Open your credit card invoice in Nordea Mobile under Payments and e-invoices to see the breakdown.
Debit Card Transactions Linked to Nordea Gold Mastercard:
- For accounts linked to your Nordea Gold Mastercard, view transactions directly through Nordea Mobile or Netbank.
- Select the account linked to the card to see your debit card transactions.
Please note: The seller’s name may differ from the creditor's name on your invoice, especially in cases involving restaurants or taxis.
30-Day Interest-Free Payment Period
With the Nordea Gold Mastercard, you get a 30-day interest-free period for purchases made on the credit facility.
You can pay off your balance in full or with monthly installments. After the 30 days, interest will apply based on the card’s terms and conditions.
Indicative Annual Percentage Rate
With the Nordea Gold Mastercard, the annual percentage rate of charge for a credit balance of 1,500 euros is 21.61%.
This assumes a 3-month Euribor reference rate of 3.89% (as of 07/2024), a monthly account management fee of 4.50 euros, and repayment in 12 monthly installments of 139 euros each. The total estimated cost of the credit would be 1,665 euros.
The calculation assumes the customer holds a Mobile Plus or Basic package and qualifies for no monthly or annual card fees. The Nordea Gold Mastercard functions as both a charge and credit card, with continuous credit available until further notice.
Contact Information
To reach Nordea about the Nordea Gold Mastercard in Sweden, use the following methods:
- Customer Service: Call +46 771 22 44 88 (Sweden) Monday through Friday, 8 AM to 8 PM.
- Card Blocking via SMS: If fraudulent activity is suspected, text your Nordea Gold Mastercard to block it immediately.
- Email for General Inquiries: For inquiries related to the Nordea Gold Mastercard, email kundservice@nordea.se.
- Email for Payments: For payment-related questions, email betalningsfrågor@nordea.se.
Nordea Bank Abp is the issuer of the Nordea Gold Mastercard, which has a local office in Sweden.
Final Words
The Nordea Gold Mastercard delivers a secure and flexible banking solution ideal for those residing in Sweden.
Offering competitive features and dependable customer support, the Nordea Gold Mastercard is an efficient way to manage personal finances and daily expenses. For those in Sweden, it also ensures added convenience during travel.
Disclaimer: Approval for the Nordea Gold Mastercard is subject to eligibility and credit checks. Terms, conditions, and fees may apply. Please review all terms carefully before applying.
