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Swedbank Credit card
Swedbank Mastercard Gold
Cash back
MASTERCARD
Apply for Swedbank Mastercard Gold

On Swedbank's secure site

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Credit card Swedbank Mastercard

Card review

Swedbank Mastercard Gold

4.2 4.2 out of 5 8.4/10 DebitCue Score Verified

Mid-tier rewards card with fuel discounts and comprehensive travel insurance

Fee
495 SEK/yr (≈ $47)
Reduced to 295 SEK for Nyckelkund (Key Customer) package holders
Purchase APR
12.93% - 13.55%
Interest-free
-
Foreign fee
1.65%
Rewards
Earn 1 point per 1 SEK spent on all purchases. 25,000 points = 100 SEK statement credit (0.4 % effective cashback). Additional 15 öre/litre fuel discount at Preem staffed stations, credited on monthly invoice.

Our verdict

What stands out, and where it falls short.

What we like

  • Earn 1 point per 1 SEK spent on all…
  • Travel insurance included
  • Pay in installments

Worth weighing

  • 495 SEK/yr (≈ $47) card fee
  • 1.65% foreign transaction fee

Who It Is For

Whether the Swedbank Mastercard Gold 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 495 SEK/yr (≈ $47) fee
  • Frequent international travelers

Rates and fees

As of

All amounts shown in SEK.

Card fee
495 SEK/yr (≈ $47)
Purchase APR
12.93% - 13.55%
Interest-free period
-
Foreign transaction fee
1.65%
Annual fee
495 SEK (295 SEK for Nyckelkund)
Nominal interest rate
13.55 % (from 2025-10-01, variable)
Effective APR
12.93 % (standard) / 12.32 % (Nyckelkund)
Cash advance fee
3 % (min 45 SEK)

Rewards and features

Rewards
Earn 1 point per 1 SEK spent on all purchases. 25,000 points = 100 SEK statement credit (0.4 % effective cashback). Additional 15 öre/litre fuel discount at Preem staffed stations, credited on monthly invoice.
Installments
Revolving credit; minimum monthly payment 3 % of balance or 150 SEK. Full balance payment avoids interest.
Pay with
Apple Pay, Contactless
Interest-free days
Up to 55 days
Credit limit range
30,000–500,000 SEK
Preem fuel discount
15 öre/litre at Preem staffed stations

Benefits and perks

Extras that come bundled with the card.

  • All-risk purchase protection
    Accidental damage, price guarantee (90-day price match), extended warranty up to 3 years; 180-day all-risk cover
  • Comprehensive travel insurance
    Cancellation, delayed arrival, baggage delay coverage; requires 50 %+ of trip paid with card
  • Rental car deductible waiver
    Covers rental car excess/deductible up to 30,000 SEK
  • Extended product warranty
    Extends manufacturer warranty by up to 3 years
  • Bonus cashback programme
    0.4 % cashback: 1 point per SEK, redeemable at 25,000 points for 100 SEK credit

Eligibility

What you need before you apply.

Minimum age
18 years

Swedbank Mastercard Gold: your questions answered

How much does the Swedbank Mastercard Gold cost?
The Swedbank Mastercard Gold costs 495 SEK/yr (≈ $47). Reduced to 295 SEK for Nyckelkund (Key Customer) package holders.
What rewards does the Swedbank Mastercard Gold earn?
The Swedbank Mastercard Gold earns Earn 1 point per 1 SEK spent on all purchases. 25,000 points = 100 SEK statement credit (0.4 % effective cashback). Additional 15 öre/litre fuel discount at Preem staffed stations, credited on monthly invoice..
Does the Swedbank Mastercard Gold charge foreign transaction fees?
Yes - the Swedbank Mastercard Gold charges a 1.65% foreign transaction fee.
What is the interest rate on the Swedbank Mastercard Gold?
The Swedbank Mastercard Gold has a purchase APR of 12.93% - 13.55%.
Can I pay in installments with the Swedbank Mastercard Gold?
Yes - Revolving credit; minimum monthly payment 3 % of balance or 150 SEK. Full balance payment avoids interest..
Is the Swedbank Mastercard Gold a credit, debit or prepaid card?
The Swedbank Mastercard Gold is a credit card issued by Swedbank on the Mastercard network.
Does the Swedbank Mastercard Gold support Apple Pay and Google Pay?
The Swedbank Mastercard Gold works with Apple Pay.
Where can I get the Swedbank Mastercard Gold?
The Swedbank Mastercard Gold is currently offered in Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia and 22 more.
How does DebitCue rate the Swedbank Mastercard Gold?
DebitCue rates the Swedbank Mastercard Gold 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 Swedbank Mastercard Gold?
Use the Apply now button to continue on Swedbank's secure site. Comparing and applying through DebitCue is free.

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