Beware of scammers calling and asking for card and Internet Banking details or Smart-ID codes. Keep in mind - confirm with the Smart-ID or PIN calculator only the operations that you’ve initiated yourself (such as logging in to Internet Banking, making payments, registering the mobile app on a new device etc.).

Currently, visits to branches are possible by prior appointment only. Book an appointment

Visa Platinum Credit Card

Please be informed that starting from 9th July Swedbank is expanding collaboration with our long-term partner Mastercard.

  • As of this date, we will issue new Platinum credit cards as Mastercard cards.
  • If you have VISA Platinum credit card which expires in or before 08/2020 it will be still renewed to VISA Platinum credit card, but if your credit card expires in or after 09/2020 it will be renewed to MasterCard Platinum credit card.

For those who choose higher-class advantages

  • Swedbank's best travel insurance insurance for you and your family members. Rental car insurance included.
  • 180-day purchase insurance for most items purchased with credit card in shops and online.
  • Up to 50-day interest-free period.
  • Automatic credit repayment option.
  • With the extra package, you'll have unlimited access to airport lounges all over the world.
  • Credit limit from 2000 EUR
  • Swedbank's best travel insurance for the whole family:medical costs, CASCO for rental car, trip cancellation, and even your personal belongings will be covered
  • Access to Priority Pass lounges at airports:
    • Free of charge for holders of Visa Platinum card with extra package
    • 28 EUR per visit for holders of Visa Platinum card without extra package
    • 28 EUR per visit for persons accompanying Visa Platinum cardholder
    • Extra package is optional and costs 191 EUR per year
  • 180-day purchases insurance is valid for most items purchased with credit card payment or by transfer from a credit card account.
  • Up to 50-day interest-free period for the used credit card limit.
  • Book and pay for hotels and use car rental services.
  • Discounts and special offers.
  • You can also take out extra cards for your family members with your Visa Platinum credit card. Each additional cardholder enjoys the same privileges as you.

Terms of Use of Credit Cards Agreement

  • 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 the 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.
  • Choose to receive your card by post and pay lower issuing price.
  • Activate internet 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 20th day of next month.

How does repayment work?

  • How does repayment work?
    On the date due for repayment , the outstanding amount is automatically debited from the account linked to the card. If funds are insufficient, the interest starts to accrue and you can repay the used limit anytime later.
  • Important! The interest-free period does not apply to cash withdrawals and transfers from limit account.
Service Price, EUR
Receiving
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.
Using
Monthly fee 12.85 - 16.67 Card's monthly fee - 16.67
Additional card's monthly fee - 12.85
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.
Priority Pass
- Program membership fee Free of charge The Priority Pass card gives access to special lounges at over +1000 airports worldwide. Find out more on Priority Pass and www.prioritypass.com
- Visa Platinum Extra Pack annual fee 191 EUR (incl. PVN) The Visa Platinum Extra Pack allows the credit card holder to visit the special airport lounges for an unlimited number of times. The annual fee is debited from the current account on the day of entering into the credit card agreement.
Fee for visiting the special Priority Pass airport lounges
- For Visa Platinum Extra Pack users 0 EUR The list of airport lounges included in the Priority Pass programme is available on the website www.prioritypass.com
- For Visa Platinum without Extra Pack users 28,00 The list of airport lounges included in the Priority Pass programme is available on the website www.prioritypass.com
- A visit to the special airport lounges by a person visiting the lounge together with a Visa Platinum credit card holder 28,00 The list of airport lounges included in the Priority Pass programme is available on the website www.prioritypass.com
Interest-free period Until following month's 20. 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 14% 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 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
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.

Important information regard to the virus COVID-19

Sickness and travel disruption because of COVID-19 as well as travel restriction due to acts of authorities are not covered by travel Insurance. Pandemic is not over and restrictions in countries can be reset unexpectedly.

  • 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 Travel Insurance Terms & Conditions for Gold Credit Card Travel Insurance Terms & Conditions for Platinum Credit Cards
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.

  • Priority Pass allows travelling with extra comfort using business lounges in 1300+ airports all over the world
  • The Priority Pass card is issued with your Visa Platinum Credit Card which provides membership in the Priority Pass program and access to airport lounges with:
    • A pleasant place for relaxation wherever you may be going
    • Selection of snacks and beverages
    • Peace. Service. Spaciousness. Comfort
    • Free Wi-Fi to keep in touch throughout the travel
  • For holders of Visa Platinum card with extra package - free of charge. Extra package is optional and costs 191 EUR a year
  • For holders of Visa Platinum card without extra package - 28 EUR per visit
  • For persons accompanying Visa Platinum cardholders - 28 EUR per visit
  • Full list of services and the conditions vary by airport lounges
  • You can check them in advance or while on a trip 24/7 at prioritypass.com or through the app.
    • Download the app to check each specific airport lounge’s offer, capacity of guests and the duration of stay, which may differ from lounge to lounge
  • The offer of the international airport Riga is available here

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Discounts and offers for Swedbank credit card users.

All offers

Works like hire purchase: useful for bigger purchases or unforeseen expenses.

Best choice for your purchases and occasional travels abroad.

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

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?