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Bank Norwegian review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Bank Norwegian pairs an annual fee of NOK 0 with 24.4% APR and cashback of 0.5% cashback, on a visa card with a 0% currency conversion fee. It suits Nordic cardholders who clear balances each month and want travel insurance thrown in.

Key facts

Best for
A rewards credit card with no annual fee for clearing balances in full each month.
Annual fee
NOK 0 (Source, checked September 26, 2026)
APR
24.4% (Source, checked September 26, 2026)
Currency conversion fee
0% (Source, checked September 26, 2026)
Rewards type
Cashback (Source, checked September 26, 2026)
Rewards rate
0.5% cashback (Source, checked September 26, 2026)
Perks
Travel insurance, 45 days interest-free (Source, checked September 26, 2026)
Cashback rate
0.5% (Source, checked September 26, 2026)
Card kind
Credit (Source, checked September 26, 2026)
Legal entity
NOBA Bank Group AB (Source, checked September 26, 2026)
Headquarters
Sweden (Source, checked September 26, 2026)
Founded
2007 (Source, checked September 26, 2026)
Support channels
Help-centre (Source, checked September 26, 2026)
Pricing model
No annual fee
Features
Rewards
Official website
banknorwegian.no

Debit cards

Monthly fee
NOK 0 (Source, checked September 26, 2026)
Currency conversion fee
0% (Source, checked September 26, 2026)
Card network
Visa (Source, checked September 26, 2026)
Legal entity
NOBA Bank Group AB (Source, checked September 26, 2026)
Headquarters
Sweden (Source, checked September 26, 2026)
Founded
2007 (Source, checked September 26, 2026)
Support channels
Help-centre (Source, checked September 26, 2026)
Features
Rewards

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaLinkedInX

Pros and cons

Pros

  • Annual fee of NOK 0 and monthly fee of NOK 0 on the card
  • Cashback of 0.5% cashback on spending
  • Currency conversion fee of 0% on the visa card
  • Travel insurance and travel insurance and 45 days interest free listed among the card features

Cons

  • Interest at 24.4% APR, higher than the site APR median of 20.97%
  • Help is limited to help centre
  • Cashback of 0.5% ranks it near the bottom on the offer score at 0.5
Bank Norwegian

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Scored 8.8 / 10 by DebitCue.

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Who it suits

  • Nordic cardholders who pay balances in full and want cashback on everyday spending
  • Frequent travellers who want travel insurance and no foreign transaction charge on a visa card
  • People who want a no-annual-fee structure, since the model is listed as no annual fee

Who should look elsewhere

  • Anyone who carries a balance month to month, because the APR is 24.4%
  • Points or miles earners, since the rewards type is cashback rather than a points scheme
  • Shoppers who want live phone or chat support, as help runs on help centre

How it compares on our data

The annual fee ranks 1 of 301 brands, which fits a no-annual-fee credit card. The APR ranks 90 of 133, so borrowing costs sit above the site median of 20.97%. The overall score is 3.3, with cost at 5.3 and offer at 0.5.

The company behind it

The card is issued under NOBA Bank Group AB, which is based in Sweden and was founded in 2007. Support is handled through help centre, so most questions go through written help rather than a phone line. The brand operates as a no-annual-fee issuer with cashback as its main reward.

How Bank Norwegian compares

Where Bank Norwegian is available

Available
Denmark, Finland, Germany, Norway, Spain, Sweden

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Does Bank Norwegian charge an annual fee?+

There is no annual charge on the card, listed as NOK 0, and the monthly fee is NOK 0. That makes it a no-annual-fee product, matching the no annual fee structure most cards on the site follow.

What interest rate applies if I carry a balance?+

The card charges 24.4% APR on revolving balances, which sits above the site median of 20.97%. Cardholders who clear the balance each month avoid that cost, while revolving use makes the card expensive.

How much cashback do I earn?+

Spending earns 0.5% cashback under the cashback rewards type, with a cashback rate of 0.5%. It is a steady, small return rather than a points or miles scheme, and the offer score is 0.5.

Is there a fee for spending abroad?+

The currency conversion fee is 0% on the visa card, which means foreign spending carries no extra conversion charge. The site median for conversion fees is 1%, so this is well clear of the typical cost.

What benefits come with the card?+

The listed perks are travel insurance and 45 days interest free, which includes travel insurance alongside an interest-free period. The card's feature list is rewards, so the emphasis is on rewards and travel cover rather than wider extras.

Which company issues the card?+

The issuer is NOBA Bank Group AB, headquartered in Sweden and founded in 2007. It is a bank group rather than a fintech, and the card runs on the credit model with the visa network.

How do I get help with the account?+

Support runs through help centre, so queries are handled in written help rather than by phone or live chat. Anyone who prefers to talk a matter through with a person should check the channel before applying.

Who does this credit card suit?+

It suits cardholders who pay balances in full, want 0.5% cashback back on spending and travel abroad without a conversion charge. It is a poor fit for anyone revolving a balance at 24.4% or hunting for points and miles.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Bank Norwegian

Bank Norwegian

A rewards credit card with no annual fee for clearing balances in full each month.

8.8/10See alternatives