Credit card

Nordea Black

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MASTERCARD

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Credit card Nordea Mastercard

Card review

Nordea Black

4.7 9.4/10 DebitCue Score Verified Jun 20, 2026

Invitation-only Private Banking Mastercard with unlimited lounge access and concierge service

Fee: No fee; No monthly or annual card fee for Private Banking customers. Account management fee of €4.50/month applies when credit balance is not paid in full.
Purchase APR: Not published
Interest-free: 30 days
Foreign fee: 2.5%

Rewards

0.5% cashback on all credit purchases (from September 1, 2025); 0.7% on foreign currency purchases outside the euro area; 1.0% at restaurants, cafés, concerts, festivals, sporting events, museums and amusement parks. Annual cap €150 per card per calendar year.

Our verdict

What stands out, and where it falls short.

What we like

0.5% cashback on all credit purchases (from September 1,…
No card fee
Airport lounge access
Travel insurance included
Pay in installments

Worth weighing

2.5% foreign transaction fee

Who It Is For

Whether the Nordea Black fits how you actually spend.

Pick it if you are

Anyone who wants a low-cost everyday card
Frequent travelers
People who want rewards on their spending
Travelers who value airport lounges

Skip it if you are

Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in EUR.

Card fee: No fee
Purchase APR: Not published
Interest-free period: 30 days
Foreign transaction fee: 2.5%
Card fee: €0 (Private Banking customers)
Account management fee: €4.50/month when credit balance unpaid at due date
Foreign currency conversion fee: 2.50%

Rewards and features

Rewards: 0.5% cashback on all credit purchases (from September 1, 2025); 0.7% on foreign currency purchases outside the euro area; 1.0% at restaurants, cafés, concerts, festivals, sporting events, museums and amusement parks. Annual cap €150 per card per calendar year.
Installments: Flexible instalment percentage; two instalment-free months per year.
Pay with: Apple Pay, Google Pay, Contactless
Credit limit: €5,000–€50,000
Lounge access: Unlimited Priority Pass visits worldwide

Benefits and perks

Extras that come bundled with the card.

Unlimited Priority Pass Lounge Access

Unlimited visits to 1,500+ Priority Pass lounges worldwide
Comprehensive Travel Insurance

Continuous coverage up to 90 days per trip; covers cardholder and family members
24-Hour Personal Concierge

Free concierge service for travel bookings, event planning and reservations (0800 774186 in Finland)
Product Safety Insurance

Covers purchases €100+ in Nordic countries
Extended Warranty

Up to 2 extra years on appliances purchased with the card

Eligibility

What you need before you apply.

Availability: Invitation only; requires Nordea Private Banking customer status

Nordea Black: your questions answered

Does the Nordea Black have a card fee?

No - the Nordea Black has no card fee.

What rewards does the Nordea Black earn?

The Nordea Black earns 0.5% cashback on all credit purchases (from September 1, 2025); 0.7% on foreign currency purchases outside the euro area; 1.0% at restaurants, cafés, concerts, festivals, sporting events, museums and amusement parks. Annual cap €150 per card per calendar year..

Does the Nordea Black charge foreign transaction fees?

Yes - the Nordea Black charges a 2.5% foreign transaction fee.

Is there an interest-free period on the Nordea Black?

Yes - up to 30 days interest-free when you pay your balance in full by the due date.

Can I pay in installments with the Nordea Black?

Yes - Flexible instalment percentage; two instalment-free months per year..

Is the Nordea Black a credit, debit or prepaid card?

The Nordea Black is a credit card issued by Nordea on the Mastercard network.

Does the Nordea Black support Apple Pay and Google Pay?

Yes - the Nordea Black works with both Apple Pay and Google Pay.

Where can I get the Nordea Black?

The Nordea Black is currently offered in Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia and 22 more.