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Gold Credit Card

Mobile app with Gold Credit Card displayed on phone screen

For shopping, traveling and everyday needs

  • 180-day purchase insurance
  • New! Improved purchase insurance from 1 September
  • 365-day purchase insurance
  • Travel insurance for the whole family traveling together
  • No commission fee for cash withdrawal up to 750 EUR
  • 40-days interest-free period

New! Experience more with Priceless

Your Swedbank Mastercard gives you exclusive access to Mastercard Priceless – a global platform with special concert, travel and leisure offers.

Find out more

New! Experience more with Priceless

Your Swedbank Mastercard gives you exclusive access to a global platform for offers – Mastercard Priceless.

Enjoy:

  • Special access to concerts, sports and cultural events
  • Travel deals and local tours
  • Exclusive dining and shopping opportunities

The deals are available for all Swedbank Mastercard debit and credit card holders. See the details of the conditions for each offer on the Priceless website.

Note! The Priceless website is available in English only.


Check the offers

From 1 September – improved purchase insurance


Purchase insurance

The insurance is valid for 365 days from the time of purchase for most items, including clothing, sports equipment, electrical appliances, etc.

Online shop shipment protection

The protection applies to a shipment from an online shop if it is delivered damaged or not delivered at all and the retailer refuses to reimburse the damage, re-ship or replace the goods.

Event ticket insurance

The cost of tickets to public events in Latvia – concerts, theatre performances, conferences and sporting events – are covered if the tickets have been purchased by the credit card holder and you or your family member are unable to attend the event due to illness, death, accident, transport disruption or other circumstances set out in the terms and conditions.


Terms and Conditions of Purchase Insurance
It takes only 2 minutes to fill in the application Access credit limit before card arrives Manage your card easily in the mobile app

Card properties

  • A credit limit from 800 EUR – use it as backup money or for larger purchases.
  • Zero-interest period for up to 40 days – repay the card payments amount by the next month’s 10th date.
  • The zero-interest period applies to purchases made with the credit card. When a payment is made from the credit card's account, interest starts to accrue immediately. When paying by card (e.g. in shops), a zero-interest period is applied.
  • Repay the credit limit at a time convenient for you and pay interest only on the credit limit you have used. The interest will be charged on the payment day. You can view the accrued interest via Internet Banking under “Cards” > “My cards”.
  • Add your own funds and use your credit card as a daily payment method with no interest charged, while enjoying additional benefits.

Terms of Use of Credit Cards (pdf)
  • Comprehensive travel insurance for the cardholder and their family.
  • 365-day purchase insurance – protection for most purchases made with the credit card.
  • Included event ticket insurance and online shop shipment protection.
  • Discounts and special offers with our partners.
  • Access to the Mastercard Priceless platform.
  • A chance to book hotels and use car rental services.
  • The credit limit will come in handy for making a security deposit for a car rental, and no interest will be charged on it until the reservation is cancelled.
  • Option to get additional cards for family members – with the same benefits as the cardholder enjoys.
  • Card management through Internet Banking and the Swedbank mobile app – conveniently repay the credit limit, order a new card or block your current one, change the limits, view your PIN, and more.
  • Under Account balance, see the total transaction amount until the end of the next zero-interest period and until the following period.
  • Contactless payments with supported e-wallets (Apple Pay, Google Pay and others).
  • Digitized card – check which e-wallets and service providers it is linked to and manage the card details in the mobile app.
  • Cash withdrawals without any fee up to 750 EUR per month worldwide. In case of using the ATMs of other banks, the operator of the respective ATM network may charge an ATM service fee according to the price list. If cash is withdrawn in the ATMs of other banks, the amount of that transaction will be debited from the account within 2 business days.
  • Cash deposits and withdrawals in ATMs.
  • The credit card’s validity period – 3 years.
  • The credit card’s account is a EUR currency account. If an amount in another currency is transferred to it, it will be automatically converted to EUR at the bank's exchange rate during the night.

When will it come in handy?

The protection applies to a shipment from an online shop if it is delivered damaged or not delivered at all and the retailer refuses to reimburse the damage, re-ship or replace the goods.

How does it work?

  • Purchases paid for by card are protected – you have the opportunity to file a a card transaction claim.
  • If your purchase has been delivered damaged or not delivered at all, fill out a card transaction claim via Internet Banking.
  • The amount of the card transaction claim compensation is the amount of your purchase.

Card transaction claim information

The items for which your card transaction claim has been rejected are protected by purchase insurance.

The items you’ve paid for by a bank transfer or the items for which your card transaction claim was rejected are protected by purchase insurance. The item must have a delivery tracking number.

  • Sums insured
  • Terms and Conditions of Purchase Insurance (pdf)
  • Purchase Insurance Information Document (pdf)

The insurance is provided by Swedbank P&C Insurance AS Latvian branch.

Send us a message via Internet Banking under “Contact us” > “Write to us” > “Write a message”. Select the topic "Other type of card transaction claim":

  • If the item was was not received, select “Service not provided / merchandise not received” as the reason for the claim. Fill out the required fields and send the message.
  • If the goods received are not as described, select “Goods / services received are defective / not as described” as the reason for the claim. Fill out the required fields and send the message.

When will it come in handy?

  • A bike gets stolen
  • A child accidentally tears the winter jacket
  • Glasses fall and break
  • Water spills on the computer and damages it
  • Skis get broken
  • And in many other situations
  • Goods purchased with a credit card in a shop or online worldwide or by transfer from the credit card’s account are insured.
  • Durable goods are insured against theft, damage or destruction, even if this happens through own fault. Durable goods are items that have a useful life of at least 3 years. The useful life of products is determined by the manufacturer.
  • The insurance is valid for 365 days from the time of purchase for most items, including clothing, sports equipment, electrical appliances, etc.
  • The insurance is valid from the time the credit card agreement is signed and remains in force until the agreement is terminated or switched to other type of credit card.
  • The insurance is valid if the credit card agreement is in force continuously from the time of purchase until the insurance claim is made.
  • Proof of purchase and payment must be submitted to make the insurance claim.
    Purchase Insurance Terms and Conditions (pdf) Purchase Insurance Information Document (pdf)

The sums insured are per each insured item, each insured event and each calendar year.

  • Per one item – 1000 EUR
  • Per one insured event – 2000 EUR
  • Per one calendar year – 4000 EUR
  • For a special group of insured items – 400 EUR Computers, tablets, their parts and external devices, mobile phones, glasses (including sunglasses), watches, unique items, jewelry (including precious stones, precious metals and pearls), a damaged or undelivered item from an online shop.
  • The deductible for each insured event – 30 EUR

The insurance is provided by Swedbank P&C Insurance AS Latvian branch.

When will it come in handy?

  • Ticket costs are covered if you or a member of your family are unable to attend the event due to illness, death, accident, transport disruption or other circumstances specified in the terms and conditions.
  • The insurance applies to public events taking place in Latvia – concerts, theatre performances, conferences and sports events – if the tickets have been purchased by the credit card holder.
  • Purchase tickets by paying with a credit card or by transfer from the credit card’s account. The insurance is valid if the credit card agreement is in force continuously from the time of purchase until the insurance claim is made.
  • The total amount of tickets insured per calendar year is 1000 EUR.
  • No deductible, but the amount of insurance indemnity for unused tickets must be at least 30 EUR.

The insurance is provided by Swedbank P&C Insurance AS Latvian branch.

When can it come in handy?

  • Unexpected travel changes (flight cancellation, delay, trip interruption etc.)
  • Need for emergency medical care abroad
  • Injuries, luggage damage, theft or delay during travel
  • Need for legal assistance
  • Trip cancellation due to illness
  • And other situations
  • Travel insurance will keep you safe from unnecessary worries and from unexpected expenses while enjoying your holidays abroad.
  • Travel insurance is in force for the cardholder and their family travelling together with the cardholder at no extra charge.
  • Travel insurance is valid if you have an active credit card agreement during your travel, even if you’ve purchased the trip with other card and before taking out the credit card.
  • If you travel with your family even just once a year, the travel insurance with credit card will pay off.

Gold Credit Card

Platinum Credit Card
Credit card fees The monthly fee is 56 EUR, including free travel insurance Note! From 1 September 2025, the monthly fee for the Gold Credit Card will be 6 EUR per month. The monthly fee is 17 EUR, including free travel insurance
Insured persons Entire family travelling together Entire family travelling together
Insured risk Sum insured per one person insured up to (EUR) Sum insured per one person insured up to (EUR)
Medical assistance (cost) 1 000 000 EUR 1 000 000 EUR
Insured risk Sum insured/limit per one credit card up to (EUR) Sum insured/limit per one credit card up to (EUR)
Personal belongings (damage, theft) 1000 EUR 2500 EUR
Travel itinerary / schedule change 2000 EUR 3500 EUR
Delay in departing flight (by over 4 hours) 300 EUR 500 EUR
Luggage delay (4 hours) 300 EUR 1000 EUR
Liability insurance 10 000 EUR 20 000 EUR
Legal assistance 1000 EUR 10 000 EUR
Bail 3000 EUR 5000 EUR
Rental car CASCO 40 000 EUR (deductible 250 EUR)
Deductible 50 EUR (140 EUR for mobile phones, tablets, laptops) Excess applies to insured events related to property insurance, travel itinerary changes and liability and legal assistance insurance. No deductible
Coverage Insurance cover applies automatically. The insurance cover enters into force from the moment when the credit card agreement is concluded and remains in force as long as the credit card agreement continues in force.
Validity Valid until the expiration date of the credit card agreement for the first 3 months of the trip.
Terms
  • Travel Insurance Terms & Conditions for Gold Credit Card (pdf)
  • Gold credit card Travel Insurance Information Document (pdf)
  • Travel Insurance Terms & Conditions for Platinum Credit Cards (pdf)
  • Platinum credit card Travel Insurance Information Document (pdf)

Pricelist and conditions

  • Monthly card fee – 6 EUR.
  • Card production and delivery by post - 2 EUR, to the branch - 4 EUR.
  • Interest rate from 16% per year. It is set for each customer individually.
  • Terms of Use of Credit Cards (pdf)
  • Purchase Insurance Terms and Conditions (pdf)
  • Purchase Insurance Information Document (pdf)
  • Travel Insurance Terms & Conditions for Gold Credit Card (pdf)
  • Gold credit card Travel Insurance Information Document (pdf)
Card ordered on a business day: Time and place of receipt
Spice or Ķīpsala branch Other branches or card delivery to an address
by 12.30 Within 5 hours On next business day
by 12.30 On next business day On business day after the next
Service Price, EUR
Receiving
Ordering the card Easier via Internet Banking Free of charge The card delivery method can be selected via Internet Banking.
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 after activation of the card. The 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 after activation of the card.
Accelerated production and delivery of card 35.00 Accelerated production and delivery of cards can be ordered at a branch or by calling us on 67 444 444. The card can be collected at our branches or at a delivery address specified by the customer to the bank after the decision is made if the credit limit for the credit card has not yet been approved. Part of this fee (a minimum of 20 EUR) is transferred by the bank to third parties for the card delivery service.
Using
Monthly fee 6 The fee is debited from the account linked to the credit card on the monthly payment date set in the agreement. The fee is debited automatically for each month when the card has been in customer’s use.
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 www.mastercard.com and www.visaeurope.com
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.
Travel Insurance Free of charge More about Travel Insurance.
Interest-free period Until following month's 10. date The interest-free period applies to card purchases only. The interest-free period does not apply to cash withdrawals and transfers.
Interest rate per annum on amount outstanding From 16% 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.
Early partial repayment of credit Easier via Internet Banking Free of charge
Changes in the credit card agreement Free of charge
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
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 01.10.2021.

How to Apply

  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 (new lending transactions may be concluded and credit cards may be activated via Internet Banking between 7 AM and 10 PM). Automated aggregation and registration of data on transactions concluded during the day takes place after 10 PM and, pursuant to the Consumer Rights Protection Law, it is prohibited to enter into consumer lending contracts during night time until 7 AM.
  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 (new lending transactions may be concluded and credit cards may be activated via Internet Banking between 7 AM and 10 PM). Automated aggregation and registration of data on transactions concluded during the day takes place after 10 PM and, pursuant to the Consumer Rights Protection Law, it is prohibited to enter into consumer lending contracts during night time until 7 AM.

Income

  • Your after-tax income must be at least EUR 600 (for 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.

Obligations

  • 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.

Partners’ offers

FAQ

A credit card is a payment card with which you can pay for goods and services in shops and online. A credit limit of funds is made available on the credit card. The advantage of a credit card is the free benefits that come with it – purchase and travel insurance, partner offers, etc. If you pay with a credit card and spend your own personal money, you don't have to pay interest for it. If you use the credit limit made available on your credit card account, you will have to pay interest on the amount drawn. An interest-free period means that you do not have to pay interest on purchases if you make them within a certain period and repay the amount drawn by the end of the interest-free period. No interest is payable on purchases made with the Gold Credit Card before the end of the current month if the credit limit drawdown is repaid by the 10th date of the following month (inclusive). Credit and debit cards are payment cards that can be used to pay for goods or services. When paying by credit card, you can use both your own money and borrowed money. On the other hand, you can only use your personal funds when paying with a debit card. A credit card offers various extra benefits, such as purchase and travel insurance. Shortly before the credit card expires, the bank makes a new card with a new expiry date and mails it to the address specified by the customer. After receiving the card, it must be activated via Swedbank Internet Banking under “Cards” > “My cards”. You can order a new credit card in the “Cards” > “Credit cards” section of the Internet Banking site by filling in the information required in the application form. Once the application is approved, the card will be mailed to the postal address specified. If you've lost your card, forgotten your PIN or something else has happened, you can request replacement of the card via Internet Banking under “Cards” > “My cards” > “Replace card”. A replaced credit card has the same expiry date as the previous card and is sent to the postal address specified. The Gold Credit Card comes with included travel insurance that protects the whole family from unexpected worries and expenses. The insurance is valid if you have an active credit card agreement at the time of travel, even if you bought the trip with another card and before the credit card was taken out. To pay with the credit card in online shops, activate the “Internet shopping” feature via Internet Banking under “My cards” or in our mobile app under “Cards” > “Settings”. A new card is produced and delivered within 4–6 working days after a positive decision has been made on granting the credit card. The card’s PIN can be checked in the Swedbank mobile app under “Cards” by tapping the “Card PIN” button. You can change it at your nearest Swedbank ATM by selecting “Other operations” > “Change PIN”. A renewed card will have the same PIN as the previous card. In the “Cards” section of the mobile app, tap the “Add Apple Wallet” button, confirm with Smart-ID PIN2 and tap “Next”. To add the card to Apple Pay, read and accept the terms. After acceptance, the card will be added to Apple Pay. In the “E-wallets” section of the Swedbank mobile app, tap the “Manage” button and select the card to be added. The action must be confirmed with Smart-ID PIN2 and the terms must be read and accepted. In a text message, you will receive a code to be entered in the “E-wallets” section and will need to tap “Continue”. To pay with Google Pay, set it as your default payment method. If you wish to receive a card with a new expiry date, apply for the same type of credit card by completing the application form and entering a comment in the “Additional information” field regarding the production of a new card with a longer validity period.

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

For trips taking place starting from 6 May 2021 we're offering a Travel Insurance Covid-19 cover without any 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 your insurance covers Medical assistance and/or Travel disruption risks, and 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.

Read more

Best choice for your purchases and occasional travels abroad.

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

Insure yourself against a sudden illness or unemployment in the amount of credit card liabilities.

Card related questions and card claims

Insurance related questions and claims

  • phone
  • Insurance is provided by Swedbank P&C Insurance AS Latvian branch.

Make insurance claim

If the medical expenses are above 1000 EUR, they must be agreed with us in advance by phone on +371 67 444 449.
You have already presented an application for this product. Do you want to fill a new application?
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Klientu serviss - Инфо и помощь - Customer service: +371 67 444 444

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Open an account and order a card for your child remotely.

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Contacts

“Swedbank” AS
Balasta dambis 15, Riga,
LV-1048, Latvia
BIC/S.W.I.F.T.: HABALV22
Reg. number: 40003074764

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