Credit card

Danske Bank Mastercard Guld

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MASTERCARD

Apply for Danske Bank Mastercard Guld

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Credit card Danske Bank Mastercard

Card review

Danske Bank Mastercard Guld

4.2 8.4/10 DebitCue Score Verified Jun 20, 2026

Mid-tier credit card with European travel insurance and higher limits

Fee: 795 DKK/yr (≈ $120); Discounted to DKK 195 for Danske Eksklusiv members and DKK 99 for Danske Eksklusiv+ members (one card at reduced rate, with option for one family card at same reduced rate).
Purchase APR: 8.7% - 22.8%
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 accumulated. Guld cardholders receive 10% discount on optional add-on insurance premiums compared to Basis cardholders.

Our verdict

What stands out, and where it falls short.

What we like

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

Worth weighing

795 DKK/yr (≈ $120) card fee
1.5% foreign transaction fee

Who It Is For

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

Pick it if you are

Frequent travelers
People who want rewards on their spending
Travelers who value airport lounges
People who pay big purchases off over time

Skip it if you are

Light spenders who won't beat the 795 DKK/yr (≈ $120) fee
Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in DKK.

Card fee: 795 DKK/yr (≈ $120)
Purchase APR: 8.7% - 22.8%
Interest-free period: -
Foreign transaction fee: 1.5%
Annual fee (standard): DKK 795
Annual fee (Eksklusiv / Eksklusiv+): DKK 195 / DKK 99
Nominal interest rate (credit): 8.0–14.0% p.a.
APR (ÅOP) — standard: 13.2–19.8%
APR (ÅOP) — Eksklusiv+: 8.7–15.3%

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 accumulated. Guld cardholders receive 10% discount on optional add-on insurance premiums compared to Basis cardholders.
Installments: 2–12 instalments for purchases over DKK 500 (for cards issued before 4 October 2023 with prior instalment agreement).
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.

Annual European travel insurance

Included in card fee — covers travel within Europe including baggage and flight delay
Aviator Lounge discount

25% discount on Danske Bank Aviator Business Lounge at Copenhagen Airport
Optional car rental excess insurance

Add-on: DKK 225/year (10% discount vs. Basis rate)

Eligibility

What you need before you apply.

Minimum credit limit: DKK 50,000

Danske Bank Mastercard Guld: your questions answered

How much does the Danske Bank Mastercard Guld cost?

The Danske Bank Mastercard Guld costs 795 DKK/yr (≈ $120). Discounted to DKK 195 for Danske Eksklusiv members and DKK 99 for Danske Eksklusiv+ members (one card at reduced rate, with option for one family card at same reduced rate)..

What rewards does the Danske Bank Mastercard Guld earn?

The Danske Bank Mastercard Guld earns Cashback at 1,700+ participating stores, restaurants and webshops in Denmark via the Loyalty Key A/S programme. Cash payout once DKK 100 accumulated. Guld cardholders receive 10% discount on optional add-on insurance premiums compared to Basis cardholders..

Does the Danske Bank Mastercard Guld charge foreign transaction fees?

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

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

The Danske Bank Mastercard Guld has a purchase APR of 8.7% - 22.8%.

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

Yes - 2–12 instalments for purchases over DKK 500 (for cards issued before 4 October 2023 with prior instalment agreement)..

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

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

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

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

Where can I get the Danske Bank Mastercard Guld?

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

How does DebitCue rate the Danske Bank Mastercard Guld?

DebitCue rates the Danske Bank Mastercard Guld 4.2 out of 5 (8.4/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the Danske Bank Mastercard Guld?

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