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Business Gold Credit Card

Business Gold Credit Card

Top level privilages

Good value! Apply by 31.10.2023 and get a discount on the credit card issuance and monthly fee for the first 3 months of using the card.

  • Included travel insurance package for you + 3 colleagues.
  • Interest-free period of up to 40 days for purchases.
  • 750,000 EUR travel insurance limit on medical expenses.
  • Access premium services in airports.
   Comparison of bank cards
  • Credit limit of EUR 300 – 15 000.
  • There is an interest-free period of up to 40 days (from the purchase until the payment date) when paying by card.
  • Any credit limit spent and not repaid by the 10th date is automatically transferred from the current account linked to the credit card.
  • Travel insurance with Covid-19 cover and a 750,000 EUR limit on medical expenses included without any extra charge. Valid for the cardholder and 3 colleagues travelling with them.
  • Access to hundreds of airports lounges with LoungeKey™
  • Boingo Wi-Fi for Mastercard® cardholders
  • Unique Mastercard World Elite offers.
  • New! Cardholder with internet bank access to company’s bank account, linked to payment card can check the card’s PIN code, card number, expiry date, Security code/CVC2 code in Swedbank app.
  • Transfer money and withdraw cash directly from credit limit account. For a credit transfer or cash withdraw interest is calculated from the transaction date.
  • Several cards for employees can be ordered and linked to the same account to use one credit limit.
  • Cash depositing to credit card account available at „Swedbank” ATM’s.
  • Pay for your purchases easily with contactless payments! Add Business Gold credit card to Apple Pay, Google Pay, Fitbit Pay, Garmin Pay solution, or use Swedbank app to tap your Android phone.
  • In our mobile app you can see a list of places where your digitized card is linked to. Watch a tutorial.
  • Contactless payments with card up to EUR 50 without PIN entry. For contactless payments abroad limits can differ from country to country.
  • In order to pay with the card online you must activate Secure Internet Shopping.
  • New cards are issued with default limits.
  • Individual usage limits and user rights can be set for the card after it is issued (e.g. permit or not permit payments with the card, cash withdrawals/deposits, account balance checking).
  • Limits and rights on the Business Internet Banking site and the mobile app can be modified:
    • In Internet Banking – by users with full-access rights mode or by a legal representative who has the right to represent the company singly according to the Register of Enterprises regardless of the access rights mode.
    • In mobile app – by legal representatives who have the right to represent the company singly according to the Register of Enterprises.
  • The card can be applied for on the Business Internet Banking site or at any Swedbank branch by filling out the financing application.
  • In the application, please specify the preferred credit limit and card holder details.
  • Depending on the company’s turnover and credit history, the minimum credit limit is EUR 300 and the maximum EUR 15 000.
  • Additional documents may be requested when the financing application is reviewed (such as the company’s latest annual report if not filed with the Register of Enterprises; balance sheet and profit and loss statement not older than 12 months).

In case of a positive financing decision card will be produced and delivered within 4 - 8 business days:

  • By post to the company’s contact address provided to the bank anywhere in the world. For security reasons, cards are sent by post inactive.

    The Card Agreement may be signed and card may be activated in Internet Banking by a person who is authorized to represent the company singly according to the Register of Enterprises and who has logged in to Internet Banking with the Smart-ID or eID.

  • At any Swedbank branch all across Latvia.

    Card can be collected by authorized signatory who, according to data at the bank’s disposal or Register of Enterprises, is authorized to represent the company.

    If the Card Agreement is already signed by the company’s authorized signatory, then the card can be collected by the cardholder.

  • The card is renewed automatically if stated so in the Card Agreement or on the Business Internet Banking site, and its renewal satisfies the Card Agreement conditions.
  • Card renewal can be enabled or cancelled, and the card delivery method and address can be changed no later than 35 days before expiry date of the current card.
  • The renewed credit card will be delivered at least 1 week before expiration of the previous card to the company’s contact address provided to the bank or the relevant Swedbank branch.
  • For renewed cards, the PIN remains the same.

Renewed card can be used only after agreement is signed and card activated.

Product/Service Price, EUR
Business credit card Business Gold credit card
Ordering and issuance
New or replaced card Also in cases when the card is lost, stolen, or damaged. Automated fee upon card activation. 6.00 10.00
Renewed card Issuance of the new card after validity period of previous card was expired is free of charge. Free of charge Free of charge
Urgently produced card 41.00 45.00 Expedited card production and delivery can be ordered at a branch or by calling the Phonebank's number on 67 444 444. Ordering card on working days till 13:30, production and delivery of card to branches 'Ķīpsala' (Riga, Balasta dambis 15) and 'Spice' (Rīga, Jaunmoku street 13 (t/c 'Spice Home')) within 4 business hours. Card delivery to branches outside of Riga next business day.
By post 0.00 0.00
At branch 6.00 6.00
Monthly fee 4.00 10.00 The card's monthly fee will be automaticaly debited from account in the begin of every month.
Card purchases in Latvia and abroad Free of charge Free of charge
Zero-interest period Until following month's 1st date Until following month's 10th date Interest-free period applicable only to card purchases, not cash withdrawals and transfers.
Currency exchange markup 2.95% 2.95% The fee is charged if the transaction is made in a currency other than the card currency. Information on current Exchange Rates available on International Card Organization websites and
Funds transfer from credit card limit account See Payments See Payments Equal to payments from current account
Cash operations See Cash transactions via ATMs and Retail outlets See Cash transactions via ATMs and Retail outlets
Annual rate of interest on amount spent 18% 14% Rate will be applied taking into account the zero-interest period for purchases.
Exceeding the credit limit and using credit limit not repaid on time 60% of the amount exceeded annually 60% of the amount exceeded annually
Travel Insurance -- Free of charge Travel insurance is offered to Business Gold credit cards. The insured risks.
Lounge Key (from 24.09.2020) Lounge Key is offered together with the Business Gold credit card (issued starting from 24.09.2020.) and for a separate charge unlocks access to special lounges at over 1000 airports worldwide. Find out more on or the mobile app. Each lounge visit is billed in EUR. The bank causes the payment for use of the Lounge Key to be made by debiting the necessary funds from the customer’s Swedbank credit card account. The bank does not deal with any claims regarding the Lounge Key service and customer must lodge any such complaints directly to Lounge Key Ltd. Find out more on Lounge Key Ltd.
- Membership fee -- Free of charge
- Lounge visit (per person) -- 28.00 Also available for a person visiting the lounge together with the Business Gold credit card holder. The list of airport lounges included in the LoungeKey programme is available on the website
Changes in Card Agreement (incl. change in limits, permitted services, card delivery method) Easier via Internet Banking 6.00 6.00 Exception - change in card servicing account and granted credit limit at a branch is free of charge.
Card claim processing Free of charge Free of charge If processing of the claim involves obtaining documentary proof of transactions, then a fee will be charged to the amount of the actual cost of the service.
Checking the account balance:
- In ATMs of Swedbank in Latvia Free of charge Free of charge
- In other banks' cash machines in Latvia and worldwide 0.40 0.40
Printout of last 5 card transactions at Swedbank ATMs in Latvia 0.20 0.20
Changing and unblocking the card's PIN in Swedbank ATMs in Latvia Free of charge Free of charge In case of entering PIN incorrectly three consecutive times in a POS terminal.
Closing the card Free of charge Free of charge

Default card limits

Limits, EUR
Business credit card Business Gold credit card
Purchases 1400 1400
For cash withdrawals 1400 1400
For cash deposits 15000 15000

Effective from 01.08.2021

documentTerms of usage of Cards for business

documentTerms of usage of Cards for business

If the card received by post:

  • If the Card Agreement is already signed, the card can be activated via Business Internet Banking by a user with full or transaction access rights mode.
  • If the Card Agreement is not signed, the card can be activated via Business Internet Banking only together with signing the agreement.

The Card Agreement may be signed by a person:

  • Who is authorized to represent the company singly according to the Register of Enterprises.
  • Who has logged in to Internet Banking with the Smart-ID or eID.

At branch:

  • Before issuance, the card is activated by a branch employee.
  • If the Card Agreement is already signed by the company’s authorized signatory, then the card can be collected by the cardholder.
  • If the Card Agreement is not signed, then before receiving it the agreement must be signed by the company’s authorized signatory who is authorized to represent the company.
Activate the card
  • Information about transactions and the amount of outstanding credit limit is available in the credit card account statement in the company’s Internet Banking user profile.
  • The entire outstanding credit limit (as used on purchases, transfers and cash transactions) is automatically transferred on the 10th date of each month from the current account linked to the credit card.
  • If the current account lacks sufficient funds for automatic repayment of the credit limit amount, partial repayment of the amount will not take place and interest will start to accrue also for purchases for which the interest-free period has ended.
  • The company is free to repay the outstanding credit limit on its own at any time and thereby stop accrual of interest.
  • On the 10th date of each month, concurrently with automatic repayment of the credit limit, the current account linked to the credit card is also debited for:

    • Monthly fee for use of the credit card.
    • Interest for use of the credit limit.
  • If necessary, the card can be closed immediately or suspended temporarily on the Business Internet Banking site or the mobile app. A suspended card can be re-activated within 10 days via Business Internet Banking or the mobile app, as well as by presenting the card and an identity document (passport or eID) at any Swedbank branch.
  • If the suspended card is not re-activated within 10 days, it will automatically be closed.
  • If a payment card is stolen, it must be closed immediately. This can be done on the Business Internet Banking site, in the mobile app, by sending a message to the bank or by contacting the bank by phone on 67 444 444.
  • If the card is lost or stolen abroad and it’s not possible to get in touch the bank, then the card can be suspended by calling the VISA card 24h international assistance line on +1 410 581 9994.
  • Card transactions can be disputed by sending a message to the bank on the Business Internet Banking site, by contacting the bank by phone on 67 444 444, or by visiting the nearest branch if:

    • You discover transactions in the account statement that you haven’t agreed on with the merchant or service provider;
    • ATM cash deposit or withdrawal has been unsuccessful.

For example, if the ATM fails to dispense cash during withdrawal operation but the amount in question has been debited or if the amount deposited is not added to the account.

  • Many expenses connected with unwanted travel changes like:
    • flight cancellations
    • delays
    • travel interruption
    • travel changes due to Covid-19 illness or restrictions
  • Lost or stolen luggage
  • Injuries while traveling (incl. skiing, swimming pool accidents etc.)
  • Need for legal assistance
  • Trip cancellation due to illness
  • And other situations

The credit card includes an extensive travel insurance package, which applies to the card holder as well as 3 colleagues travelling with him/her across the whole world.

The travel insurance is provided by Swedbank P&C Insurance AS branch in Latvia.

Card holder can now access hundreds of airport lounges around the world, regardless of airline or flight class.

  • Business Gold credit card is access key, with no other cards needed
  • Manage your visits easily in the LoungeKey™ app
  • Complimentary amenities at select lounges mean the luxury of escaping the hustle and bustle of the airport terminal
  • The list of LoungeKey™ lounges available and further information about the program can be found on the LoungeKey™ website and app: For all Business Gold Credit card users

Make the most of the comforts of a LoungeKey™ airport lounge.

Lounge visit fees:

  • For Business Gold credit card holders - 28 EUR per visit
  • For persons accompanying Business Gold credit card holders as a guest - 28 EUR per visit
  • Fee for visit will be charged from Business Gold credit limit account when entering the lounge.

You can find the terms and conditions on or the mobile app.

Arriving at the lounge, be sure to mention you have LoungeKey™ membership and Internet shopping enabled for your card.

To use the benefits of the LoungeKey self service, please follow these steps before you download the app:

  1. Make sure that internet shopping is enabled for your card;
  2. Create your profile after activating the new card;
  3. Download the LoungeKey™ app, log in with your profile and enjoy the benefits like:
    • view the available airport lounges, see and track your visits,
    • access your Digital Card and hundreds of discount-offers,
    • see what services the lounges offer.

When you have added your card to the lounge key app, 0,85€ will be temporally booked up to 10 days to verify your card.

The offer of the Riga International Airport is available here.

Boingo Wi-Fi for MasterCard® Cardholders: share unforgettable experiences with premium quality Wi-Fi access at more than 1 million hotspots worldwide, at no added cost to Business Gold credit card cardholder.

  • Stay connected on up to four devices including mobile phones, tablets and laptops.
  • Save time and spare the hassle with the Boingo Wi-Finder mobile app – it helps you locate nearby hotspots and gets you connected in just a few clicks.
  • Access 24/7 customer support via email, phone, chat and social media.
  • To use the service, please register and create your customer profile at
  • Locate accessible hotspots by visiting or downloading the MasterCard Boingo Wi-Finder app. Find the map of hotspots on the website or use the Wi-Finder hotspot locator in the mobile app.
  • Register your card only once and after that connections will be automatic.


Join Avis Club for an even greater level of service, discounts and benefits.


Join Hertz Gold Plus Rewards with complimentary President’s Circle® status and up to 10% off on all bookings.


Receive a 15% discount when signing up to easyJet Plus.

Receive up to 6% cashback on hotel bookings.


Gold Business credit cardholders can now enjoy complimentary Avis Preferred membership, which includes a car upgrade with every reservation (subject to availability) and up to 20% discount on all car rentals.

Business Gold credit card holders can access Avis President’s Club benefits in 3 easy steps.

Step 1:

Register on the website using your email address, and enter the promotional code Mastercard World Elite.

Each cardholder can only register once. The cardholder then completes the registration form on the following pages.

During the enrolment process, cardholders are asked to register their Mastercard Business Gold Credit Card and driving license number to complete the registration.

Step 2:

Membership confirmation is sent to cardholders from Avis Preferred with their unique membership number. The details will be delivered after the first car rental.

Step 3:

To rent a car, enter membership number and book here.

Offer validity period:
Ongoing until further notice

In collaboration with:

*Please note this cannot be used in conjunction with any other promotion.
Full terms and conditions can be found here.


Join the Hertz Gold Plus Rewards programme and enjoy the following benefits:

  • Enjoy a 10% discount on worldwide rentals
  • Access a guaranteed one car class upgrade
  • Skip the counter – no waiting, no stopping, no lines
  • Expedited reservations, pick-ups and returns

Enjoy also benefits specific to President’s Circle members:

  • Get expedited Gold service at thousands of locations worldwide
  • Earn Gold Plus Rewards points for free car rental days and upgrades worldwide
  • Earn Gold Plus Rewards bonus points, and get a 25% discount on child seats

To redeem the offer, in all cases a valid Mastercard Business Gold Credit Card must be registered as the form of payment in your Gold Plus Reward membership profile.

Valid until 30 June 2023.

In collaboration with:

Terms and conditions for rental can be found here.


Discover an easier way to travel with easyJet Plus. For an annual fee you can benefit from a range of exclusive benefits.

Join now, and on every easyJet flight you book you will enjoy:

  • Immediate allocated seating - choose any seat on any flight at no charge
  • Dedicated bag drop desk - beat the queue on arrival at the airport
  • Fast-track security - at selected airports
  • Additional cabin bag - board with a second cabin bag (laptop/handbag)
  • Faster boarding - be the first to board and secure locker space

Signing up for easyJet Plus at enter code EJMC001 and receive a 15% discount on your first annual premium.

Find out more about easyJet Plus here.

Offer valid until 31 December 2023.

In collaboration with:

Full details and terms and conditions are available here. seamlessly connects millions of travellers with memorable experiences, a range of transport options and incredible places to stay – from homes to hotels and much more. is available in 43 languages and offers more than 28 million total reported accommodation listings, including over 6.2 million listings alone of homes, apartments and other unique places to stay.

A special offer for Mastercard World Elite cardholders:

  • Up to 6% cashback on each reservation

Mastercard cardholders can receive up to 6% cashback on each reservation, paid as a 'credit' to their booking wallet, viewable to registered users, once a valid booking has been made. Wallet credit can either be redeemed towards a future booking or transferred out to a valid Mastercard credit card.

Offer steps:

  1. Visit the website through provided link.
  2. Log in or register with
  3. Search for destination and preferred accommodations.
  4. Use an eligible Mastercard Business Gold credit card to complete the booking

Offer valid until 31 July 2023.

In collaboration with:

Bookings made with the app are not eligible for this promotion. Cancelled and “no show” bookings are not eligible. The reward will be credited at least 64 calendar days after completion of stay in the accommodation. Full terms and conditions of sale can be found here.

Your company's financial security is one of Swedbank's top priorities. We encourage you to be responsible users of payment cards and to observe the security conditions for payment cards usage.

  • Only the cardholder - the person whose name appears on the card - may use the card. Do not let anyone, even a close person, to use the card issued in another person’s name.
  • Make sure that you as a cardholder always know where your payment card is.
  • If you pay by card, do not let the person serving you take it to a back room on their own because card data may be stolen.
  • Always check the transaction amount that you approve with the card.
  • Check card transactions regularly via Business Internet Banking or the Swedbank mobile app. If any transaction seems suspicious, please contact the bank immediately.
  • It is not recommended to send card number by e-mail or disclose it over the telephone when making a purchase because card data may be misused for fraudulent transactions but, if there are no other options, please be extra careful.
  • Be careful when using the ATMs of other banks. Some ATMs return payment card before dispensing the money. Make sure that you collect your payment card and the requested amount of cash before you leave the ATM.
  • A cardholder receive a new card and also a PIN in a separate envelope. A cardholder receive a new card and also a PIN in a separate envelope.

    • Renewed cards will keep their former PIN.
  • Do not tell or show the PIN to anyone, not even to bank employees.
  • Memorise it, do not write down the PIN on the card or anywhere else where it can be seen by others.
  • New! Check your card’s PIN code in the Swedbank app. Its secure, easy and will help, if you forget your original PIN or cannot remember it after changing.
  • For payment approval, try to enter the PIN so that no one else can see it. The card can be stolen and be used by somebody else. If the card with PIN code is used by a thief, it is the customer’s own responsibility.
  • If you suspect that the PIN has become known to someone else or if the bank has notified you of the need to change your PIN, the cardholder must change it immediately. It can be done at any Swedbank ATM. When selecting new PIN, do not re-use your old PIN.
  • Do not use identical PIN codes for different cards for the ease of memorising them.
  • For security reasons, PIN may be entered incorrectly only twice. After the third time, the card will automatically be blocked:

    • If the card is blocked in POS terminal, it may be unblocked in Swedbank ATMs by entering correct PIN at first attempt.
    • If the card gets blocked in ATM or you can’t remember the PIN, a new card must be ordered.
  • If a payment card is lost or stolen, it must be closed immediately. This can be done on the Business Internet Banking site or the mobile app, by sending a message to the bank or by contacting the bank by phone on 67 444 444. For security reasons, we advise cardholders to keep Swedbank's phone number in their phone's memory.
  • If the card is lost or stolen abroad and it’s not possible to get in touch the bank, then the card can be suspended by calling the MasterCard 24h international assistance line on +1 636 722 7111 (charged).

Information about possible risks
Failure to fulfil your financial commitments in full increases the cost of the financing you receive and may have an adverse impact on your credit history. Furthermore, if the contract is terminated due to a serious breach on your part, compulsory recovery of the debt may be undertaken and you could lose ownership of the mortgaged property.

For day-to-day purchases and transfers.

Extra funds for company’s everyday operations and unexpected payments.

Includes travel insurance, which covers family members travelling with you.

Make insurance claim

If an insured event has occurred, please contact our Claim Handling Department.

Swedbank P&C Insurance AS Latvijas filiāle, Balasta dambis 15, Riga, Latvia, LV-1048

+371 67 444 449 (24/7)

Take care of your safety with Travel insurance which now includes Covid-19 insurance cover.

For business trips taking place starting from 6 May 2021 we're offering a Travel Insurance Covid-19 cover for Business Gold Credit Card holders at no additional fee.

Under the travel disruption cover of the supplementary Covid-19 insurance we will compensate trip cancellation costs if, prior to the start of your trip, you have contracted Covid-19 or been identified as a close contact person of someone who is in isolation or quarantine in accordance with the nationally stipulated procedure.

The supplementary insurance is valid while abroad, if any of the following preconditions apply:

  • You have received a negative SARS-CoV-2 RNS or antigen test result within 72 hours prior to the start of the trip. In this case the supplementary insurance is valid for 30 days.
  • You have been infected with Covid-19 within the last 6 months and you have fully recovered.
  • You have a certificate of full vaccination against Covid-19.

For example, we will compensate medical expenses related to treating Covid-19 abroad, cost of accommodation and additional transport costs if you are not allowed to travel by public transport due to Covid-19 symptoms.

Damages incurred due to travel disruptions or trip cancellation caused by actions or decisions of national authorities, including decisions related to the pandemic (such as closing borders, requiring compulsory self-isolation by persons arriving to the country) shall not be compensated.

Carefully consider the need to go abroad.

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