Credit card

Nordea Platinum

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MASTERCARD

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Card review

Nordea Platinum

4.2 8.4/10 DebitCue Score Verified Jun 20, 2026

Nordea's top-tier consumer Mastercard with lounge access, Fast Track and comprehensive travel insurance

Fee: €16.99 EUR/mo (≈ $18); €5.99/month for Nordea Premium package customers. Free for Private Banking customers. Was €0/month through April 30, 2026 (promotional period).
Purchase APR: from 17%
Interest-free: 30 days
Foreign fee: 2.5%

Rewards

0.5% cashback on all credit purchases; 0.7% on purchases in foreign currencies outside the euro area; 1.0% at restaurants, cafés, concerts, festivals, sporting events, museums and amusement parks (seasonal). Annual cap of €150 per calendar year. Cashback credited monthly to credit account.

Our verdict

What stands out, and where it falls short.

What we like

0.5% cashback on all credit purchases; 0.7% on purchases…
Airport lounge access
Travel insurance included
Pay in installments

Worth weighing

€16.99 EUR/mo (≈ $18) card fee
2.5% foreign transaction fee

Who It Is For

Whether the Nordea Platinum 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 €16.99 EUR/mo (≈ $18) fee
Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in EUR.

Card fee: €16.99 EUR/mo (≈ $18)
Purchase APR: from 17%
Interest-free period: 30 days
Foreign transaction fee: 2.5%
Monthly fee (standalone): €16.99/month (€5.99 for Premium customers)
Interest rate (nominal): 3-month Euribor + 9.50%
APR (example, April 2026): 17.0% on €1,500 outstanding balance
Foreign currency conversion fee: 2.50%

Rewards and features

Rewards: 0.5% cashback on all credit purchases; 0.7% on purchases in foreign currencies outside the euro area; 1.0% at restaurants, cafés, concerts, festivals, sporting events, museums and amusement parks (seasonal). Annual cap of €150 per calendar year. Cashback credited monthly to credit account.
Installments: Flexible instalment percentage 3–100%; two instalment-free months per year.
Pay with: Apple Pay, Google Pay, Contactless, Virtual card
Credit limit: €10,000–€50,000
Cashback: 0.5% standard / 0.7% on foreign currency / €150 annual cap
Fast Track airport access: Included; book via Mastercard Travel Pass app

Benefits and perks

Extras that come bundled with the card.

Priority Pass Lounge Access

6 complimentary visits per year to 1,500+ Priority Pass airport lounges worldwide
Comprehensive Travel Insurance

Valid for domestic and international leisure travel even without paying the trip with the card. Underwritten by Tryg.
Product Safety Insurance

Covers damage or breakage of items €100+ purchased in Nordic countries within 180 days

Eligibility

What you need before you apply.

Minimum age: 18 years, permanent Finland resident, sufficient regular income, clean credit record

Nordea Platinum: your questions answered

How much does the Nordea Platinum cost?

The Nordea Platinum costs €16.99 EUR/mo (≈ $18). €5.99/month for Nordea Premium package customers. Free for Private Banking customers. Was €0/month through April 30, 2026 (promotional period)..

What rewards does the Nordea Platinum earn?

The Nordea Platinum earns 0.5% cashback on all credit purchases; 0.7% on purchases in foreign currencies outside the euro area; 1.0% at restaurants, cafés, concerts, festivals, sporting events, museums and amusement parks (seasonal). Annual cap of €150 per calendar year. Cashback credited monthly to credit account..

Does the Nordea Platinum charge foreign transaction fees?

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

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

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

What is the interest rate on the Nordea Platinum?

The Nordea Platinum has a purchase APR of from 17%.

Can I pay in installments with the Nordea Platinum?

Yes - Flexible instalment percentage 3–100%; two instalment-free months per year..

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

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

Does the Nordea Platinum support Apple Pay and Google Pay?

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