Credit card

Danske Bank Mastercard Basis

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MASTERCARD

Apply for Danske Bank Mastercard Basis

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Credit card Danske Bank Mastercard

Card review

Danske Bank Mastercard Basis

4.0 8.0/10 DebitCue Score Verified Jun 20, 2026

Entry-level credit card with up to six weeks interest-free credit and cashback

Fee: 250 DKK/yr (≈ $36); Annual fee waived for first card when enrolled in the Danske Hverdag+ customer programme across all customer tiers (Basis, Ekstra, Eksklusiv, Eksklusiv+).
Purchase APR: 15.2% - 23.7%
Interest-free: -
Foreign fee: 1.5%

Rewards

Cashback at 1,700+ participating stores, restaurants and webshops in Denmark via the Loyalty Key A/S programme. Cash payout once DKK 100 is accumulated. Specific cashback rate varies by merchant — no universal percentage published.

Our verdict

What stands out, and where it falls short.

What we like

Cashback at 1,700+ participating stores, restaurants and webshops in…
Travel insurance included
Pay in installments

Worth weighing

250 DKK/yr (≈ $36) card fee
1.5% foreign transaction fee

Who It Is For

Whether the Danske Bank Mastercard Basis fits how you actually spend.

Pick it if you are

Frequent travelers
People who want rewards on their spending
People who pay big purchases off over time

Skip it if you are

Light spenders who won't beat the 250 DKK/yr (≈ $36) fee
Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in DKK.

Card fee: 250 DKK/yr (≈ $36)
Purchase APR: 15.2% - 23.7%
Interest-free period: -
Foreign transaction fee: 1.5%
Annual fee (standard): DKK 250
Nominal interest rate (credit): 8.0–14.0% p.a.
APR (ÅOP) — standard: 17.1–23.7%
APR (ÅOP) — with Hverdag+: 15.2–21.9%

Rewards and features

Rewards: Cashback at 1,700+ participating stores, restaurants and webshops in Denmark via the Loyalty Key A/S programme. Cash payout once DKK 100 is accumulated. Specific cashback rate varies by merchant — no universal percentage published.
Installments: 2–12 instalments for purchases over DKK 500 (available for cards issued before 4 October 2023 with prior instalment agreement; may require separate arrangement for newer cards).
Pay with: Apple Pay, Google Pay, Contactless
Interest-free period: Up to 6 weeks when full balance repaid monthly

Benefits and perks

Extras that come bundled with the card.

Optional purchase & mobile insurance

Optional add-on: DKK 90/year for purchase and mobile phone insurance (before 1 July 2026)
Optional travel insurance

Annual European travel insurance available as add-on for DKK 295/year

Eligibility

What you need before you apply.

Minimum credit limit: DKK 15,000

Danske Bank Mastercard Basis: your questions answered

How much does the Danske Bank Mastercard Basis cost?

The Danske Bank Mastercard Basis costs 250 DKK/yr (≈ $36). Annual fee waived for first card when enrolled in the Danske Hverdag+ customer programme across all customer tiers (Basis, Ekstra, Eksklusiv, Eksklusiv+)..

What rewards does the Danske Bank Mastercard Basis earn?

The Danske Bank Mastercard Basis earns Cashback at 1,700+ participating stores, restaurants and webshops in Denmark via the Loyalty Key A/S programme. Cash payout once DKK 100 is accumulated. Specific cashback rate varies by merchant — no universal percentage published..

Does the Danske Bank Mastercard Basis charge foreign transaction fees?

Yes - the Danske Bank Mastercard Basis charges a 1.5% foreign transaction fee.

What is the interest rate on the Danske Bank Mastercard Basis?

The Danske Bank Mastercard Basis has a purchase APR of 15.2% - 23.7%.

Can I pay in installments with the Danske Bank Mastercard Basis?

Yes - 2–12 instalments for purchases over DKK 500 (available for cards issued before 4 October 2023 with prior instalment agreement; may require separate arrangement for newer cards)..

Is the Danske Bank Mastercard Basis a credit, debit or prepaid card?

The Danske Bank Mastercard Basis is a credit card issued by Danske Bank on the Mastercard network.

Does the Danske Bank Mastercard Basis support Apple Pay and Google Pay?

Yes - the Danske Bank Mastercard Basis works with both Apple Pay and Google Pay.

Where can I get the Danske Bank Mastercard Basis?

The Danske Bank Mastercard Basis is currently offered in Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia and 22 more.

How does DebitCue rate the Danske Bank Mastercard Basis?

DebitCue rates the Danske Bank Mastercard Basis 4.0 out of 5 (8.0/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the Danske Bank Mastercard Basis?

Use the Apply now button to continue on Danske Bank's secure site. Comparing and applying through DebitCue is free.