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Gold Credit Card

Covid‑19 insurance

For your shopping, traveling and everyday needs

  • 180-day purchase insurance
  • 40-days interest-free period
  • Credit limit from 600 EUR
  • Wide travel insurance with Covid-19 insurance cover
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 600 EUR
  • Extensive worldwide travel insurance package for the cardholder and their family.
  • 180-day purchase insurance is valid for most items purchased with credit card payment or by transfer from a credit card account.
  • Up to 40-day interest-free period for used credit card limit.
  • Discounts and special offers.
  • Book and pay for hotels and use car rental services.
  • 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 via Internet Banking and Swedbank mobile app: block and unblock, manage limits and make repayments on the go.
  • You can start using the credit limit right after signing credit card agreement - even before card arrives.
  • You can transfer money, make payments and withdraw cash in ATMs 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 inernet shopping feature.

When to pay back your used credit limit?

  • No interest will accrue if you repay the amount of the credit limit you have used during the current month by the 10th day of next month.
  • Important! The interest-free period does not apply to cash withdrawals and transfers from limit account.
  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 3.91 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 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.
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.
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

document Purchase Insurance Terms and Conditions

document 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.

Covid-19 insurance cover for credit card holders

For trips taking place starting from 6 May 2021 we're offering a Travel Insurance Covid-19 cover without an additional fee. The cover is applied automatically and is valid for all Gold and Platinum credit card holders while abroad if preconditions are met.

Find out more

  • Many expenses connected with unwanted travel changes (flight cancellations, delays, travel interruption etc.).
  • 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.
  • Travel insurance will keep you safe from unwanted worries and, most importantly, from unexpected expenses while enjoying your holidays.
  • Travel insurance is in force for the cardholder and their family* travelling together with the cardholder at no extra charge.
  • 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 EUR 3.91 (EUR 46.92 per year), including free travel insurance The monthly fee is EUR 17, including free travel insurance
Insured persons Entire family travelling together Entire family travelling together
Insured risk Sum Insured per one person Insured, € Sum Insured per one person Insured, €
Medical assistance (cost) 500 000 EUR 500 000 EUR
Insured risk Sum Insured / limit per one credit card, € Sum Insured / limit per one credit card, €
Personal belongings (damage, theft) 1000 EUR 2500 EUR
Travel itinerary / schedule change 2000 EUR 3500 EUR
Flight ticket change 150 EUR 150 EUR
Flight delay (over 4 hours) 150 EUR 500 EUR
Flight delay (over 24 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 30 EUR* No deductible
Coverage Insurance cover applies automatically**.
Validity Valid until the expiration date of the credit card agreement for the first 3 months of the trip.
Terms document Travel Insurance Terms & Conditions for Gold Credit Card document Travel Insurance Terms & Conditions for Platinum Credit Cards
document Travel Insurance for Private Credit Card Holders Information Document

* Excess applies to insured events related to property insurance, travel itinerary changes and liability and legal assistance insurance.

** 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.


The easiest, fastest and safest way to send and receive packages

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2.5 euro cents discount for fuel and car gas

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Art Hotel Roma

Great holidays in Liepaja!

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Extra 15% discount on all clothes

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Buy responsibly and environmentally friendly

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Discounts and offers for Swedbank credit card users.

All offers

Using cash not only brings environmental issues but also may support the shadow economy. By moving from cash to digital payments, we can protect our planet, remove the anonymity of transactions, and even more - save time spent managing money.

  1. Pay digitally. It helps you track your expenses, set the limits for certain expense categories, and identify where you can manage your consumption habits.
  2. Be aware of non-recyclable receipts. Paper receipts are made from non-recyclable thermal paper. When paying by card, ask for a paperless receipt which you can receive online by e-mail or opt-out.
  3. Contactless payments are clean and hygienic. By using contactless payments, you can reduce the physical contact between different people who are exchanging banknotes or touching the ATM.

The total volume of card payments in the Baltics increased by 45% during the last 6 years. Paying by card is hygienic, quick and flexible - use contactless or chip and PIN transactions.

{ "xAxis": { "visible": true, "categories": ["2015", "2016", "2017", "2018", "2019", "2020"] }, "yAxis": { "visible": true, "title": "" }, "legend": { "enabled": true }, "plotOptions": { "column": { "dataLabels": { "enabled": false } } } }

Source: Swedbank

Measure your cash payments’ CO2 footprint and see how many trees are needed to absorb the emissions created per year.

Cash payments

  • 0
  • 0

If you paid by card, you could save

  • 0
  • 0

Source: Lindgreen, E.R., van Schendel, M., Jonker, N. et al. (2018); Hanegraaf, R., Larçin, A., Jonker, N. et al (2020)

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

Works like hire purchase - useful for bigger purchases.

Best choice for your purchases and occasional travels abroad.

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

You have already presented an application for this product. Do you want to fill a new application?
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How to keep your money safe from scammers?

  • Never reveal your user ID, PINs or card details to anyone
  • Don’t confirm transactions or login attempts in internet bank or app, which are not initiated by you
  • Avoid transferring money if you have any doubts

Read more about how to recognize scammers and how not to fall for their bait here.