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Fixed Payment Credit Card

Useful in case you need money for bigger purchases or unforeseen expenses.

  • Works likehire purchase: repayment of used limit with fixed monthly payments.
  • 180 days purchase insurance applies for most goods purchased with credit card or by payment from credit card account.

Borrow responsibly by fairly assessing your loan repayment capabilities.

It takes only 2 minutes to fill in the application Access credit limit before card arrives Manage your card easily in the mobile app
  • Credit limit from 300 EUR
  • 180-day purchases insurance is valid for most items purchased with credit card payment or by transfer from a credit card account.
  • Repayment with fixed monthly payments.
  • Discounts and special offers.
  • You can also take out extra cards for your family members. Each additional cardholder enjoys the same privileges as you.

Terms of Use of Credit Cards

  • Manage your credit card in Ibank and Swedbank app: block and unblock, and manage limits make repayments on the go.
  • You can start using the credit limit right after signing the credit card agreement - even before the card arrives.
  • You can transfer money, make payments and withdraw cash in ATM directly from your credit card account.
  • Contactless payments - you'll be able to pay up to €50 by just tapping the card to the terminal. No PIN, no hassle, just quick and safe shopping.
  • Make your purchases easily with contactless payments - Apple Pay, Garmin Pay, Fitbit Pay and mobile contactless payments for Android smartphone users.
  • Choose to receive your card by post and pay lower issuing price.
  • Activate internet shopping feature.

When to pay back your used credit limit?

  • It works just like instalments: repayments for the used credit limit will be debited automatically in equal instalments each month from the account specified by you.
  • Interest starts to be calculated if you use the credit limit.
  • You can always repay used limit sooner in addition to monthly payments.
  1. Apply for the credit card via Internet Banking.
  2. We will inform you of the decision by phone or via SMS.
  3. Read the conditions, accept them and sign the agreement.
  4. After signing the agreement, you can immediately start using the credit card limit.
  5. Your card will arrive within 5 working days.
  6. When you receive your card, log in to Internet Banking or in mobile app and activate it there.


  • Your after-tax income must be at least EUR 340 (for Visa Platinum EUR 670) per month.
  • You must be earning a steady income for at least 6 consecutive months and your probation period must be over.


  • Monthly expenses for covering your credits may not exceed 40% of your monthly income.
  • You may not have outstanding credits in Swedbank or from other creditors or unpaid bills for different services.
  • Be ready to submit the official documents evidencing the income if the expected source of repayment is not a salary/wages.
Service Price, EUR
Ordering the card Easier via Internet Banking Free of charge The way of receiving the card can be selected via Internet Banking. Countries to which card delivery by post is not available: Bosnia and Herzegovina, Guyana, Laos, Serbia, Trinidad and Tobago, Uganda, Vanuatu, Crimea, Moldova, Cuba, North Korea, Iran, Iraq, Libya, Sudan, South Sudan, Syria, Myanmar (Burma), Liberia, Ecuador, Ethiopia, Pakistan, São Tomé and Príncipe, Lebanon, Zimbabwe, Bolivia, Ghana, Kenya, Nigeria, Sri Lanka, Tanzania, Thailand, Afghanistan, Yemen, Egypt, Eritrea, Gambia, Guinea and Guinea-Bissau, Somalia, Tunisia, Ivory Coast (Côte d'Ivoire), Haiti.
Card production and delivery Best value by post 2.00-4.00 By post in Latvia - 2.00
At branches - 4.00
The fee is debited automatically upon activation of the card. The production and delivery fee for a card produced after expiry of the previous card's validity period is payable by the customer in the last month of the validity period of the previous card or upon activation of the card.
Accelerated production and delivery of card
In branch Ķīpsala, Spice Collectable within 4 hours 35.00 The fee is charged in addition to the production and delivery fee. Accelerated card production and delivery can be ordered at branches or by phone via Telephone Banking on 67 444 444. If the card is ordered on business days by 13:30, it will be produced and delivered to branch Ķīpsala (Riga, Balasta dambis 15) or Spice (Riga, Jaunmoku iela 13, s/c Spice Home) within 4 business hours. Next business day delivery to other branches in and outside Riga.
Other branches in and outside Riga Collectable on the next business day 35.00 The fee is charged in addition to the production and delivery fee. Accelerated card production and delivery can be ordered at branches or by phone via Telephone Banking on 67 444 444. If the card is ordered on business days by 13:30, it will be produced and delivered to branch Ķīpsala (Riga, Balasta dambis 15) or Spice (Riga, Jaunmoku iela 13, s/c Spice Home) within 4 business hours. Next business day delivery to other branches in and outside Riga.
Monthly fee 0.00
Purchases in Latvia and abroad Free of charge
Currency exchange mark-up 2% The fee is charged if the transaction (purchase or cash withdrawal) is made in a currency other than the card currency. Information about current exchange rates is available on the websites of the international card organizations and
A transfer from the credit card account See Payments Fees for transfers from the credit card account are identical to those for payments from the current account.
Cash transactions See Cash transactions in ATMs and retail outlets
Purchase Insurance Free of charge More about Purchase Insurance.
Interest rate per annum on amount outstanding From 20% The interest rate is set individually and depends on the customer’s credit history, amount of loan obligations, and transfers of regular income to their account with Swedbank.
Exceeding the credit limit and using the credit limit not repaid on time 0.167% of the exceeded amount per day Excess and overdue penalty.
Change of date of monthly payments or change of the linked account Best value via Internet Banking 0.00 - 7.00 Via Internet Banking - 0.00
At branches - 7.00
Early partial repayment of credit Easier via Internet Banking Free of charge
Other changes in the credit card agreement 14.00 0.00 - 14.00 Via Internet Banking – 0.00
At branches – 14.00
Internet Banking fee applies to raising the credit limit.
Balance in ATMs
In Swedbank ATMs in Latvia Free of charge
- In ATMs of other banks 0,40
Printout of last 5 transactions in Swedbank ATMs in Latvia 0.20
Emergency cash assistance in Western Union service points 42.00 In cases of loss or blocking of the card.
Claim processing 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.
Closing the card Easier Internet Banking and the mobile app Free of charge Cards can be easily and quickly suspended in the mobile app, and will be closed automatically within 10 days.

Effective from 01.07.2018.

  • Bicycle got stolen
  • Child tore their winter parka in kindergarten
  • Glasses got broken
  • Computer got damaged
  • Skis got broken
  • Surfing equipment got damaged
  • And many more

Purchase Insurance Terms and Conditions

Purchase Insurance for Swedbank Credit Card Holder IPID

  • Purchase insurance applies to goods purchased with credit card at stores and online.
  • It compensates expenses on repair or replacement of durable goods* in case of theft, damage or destruction even if it was done unintentionally by the card holder himself.
  • It applies to most purchases incl. clothing, sports equipment, tech gadgets etc. for 180 days from the day of purchase.
  • To file insurance claim, you need to present the purchase document or payment information.

* Durable goods are items with a lifespan of at least 3 years. The lifespan of a product is determined by the manufacturer.

Sums insured are determined for each insured item, insured event and calendar year.

  • One item 1000 EUR
  • One insured event 2000 EUR
  • One year 4000 EUR
  • Special group of Insured Items 400 EUR*
  • Excess per insured event is 30 EUR

* Computers, computer parts and external devices; mobile phones; glasses, incl. sunglasses; watches; unique items, jewellery (incl. precious stones, precious metals and pearls); items made of fur.


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Best choice for your purchases and occasional travels abroad.

Comes with travel insurance for the whole family and protects most of your purchases.

Swedbank's best travel insurance, access to airport lounges and rental car insurance.

Insure your credit card repayments and get financial safety in case you unexpectedly fall ill or lose your job.

Card related questions and card claims

Insurance related questions and claims

  • +371 67 444 449
  • Insurance is provided by Swedbank P&C Insurance AS Latvian branch.

Make insurance claim

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One duty less with the Agreement on MTPL Insurance!

Choose Swedbank Agreement on MTPL Insurance and enjoy:

  • automatic policy renewal
  • the convenient way of paying for the policy: payments will be debited automatically from the account once a quarter