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Swedbank Credit Card features and benefits compared

Make use of credit card benefits every day

180-day purchase insurance for most goods
Credit limit with interest-free period
Travel insurance for the whole family.

Please note, that by the use of financial services you assume financial obligations. Improper execution of financial obligations may adversely affect your credit history and raise the cost of borrowing, and it can also cause initiation of enforced recovery.

Note! The terms of travel insurance included with credit cards will change on 1 April 2025.

For Platinum Credit Card
For Gold Credit Card
For Revolving Credit Card

Credit card comparison

* The interest-free period does not apply to cash withdrawals and credit transfers

* The interest rate is fixed individually when issuing a credit card.

It is required to have bank account to acquire a credit card.

Typical example of an APR calculation

For Classic and Gold credit cards:

For a credit of EUR 1,500, at a fixed interest rate of 18% p.a., a minimum daily service fee set by the Bank (EUR 1 per month), a monthly card administration fee (EUR 1.44/month for the Classic card, EUR 3.47/month for the Gold card), and a one-off card issuance fee set by the Bank, the total annual percentage rate (APR) of the cost of the consumer credit would be:

21.7% for the Classic Credit Card and the total amount payable by the borrower would be EUR 1670.90.
24.2% for the Gold Credit Card and the total amount payable by the borrower would be EUR 1695.26.

For the Platinum credit card:

For a credit of EUR 3,000, at a fixed interest rate of 13% p.a., with a minimum daily service fee set by the Bank (EUR 1/month), a monthly card administration fee (at EUR 16/month), a one-off card issuance fee set by the Bank, the total annual percentage rate (APR) of the cost of the consumer credit would be 26.55%, and the total amount payable by the borrower would be EUR 3,387.93.

The APR and the total amount payable by the consumer borrower are calculated on the assumption that the Credit Agreement will be valid for 12 months, the full amount of the Credit shall be disbursed on the date of signature of the Credit Agreement and shall be repayable in equal monthly instalments over a period of one year, with the first instalment due one month after the Credit Limit has been drawn down, and the last instalment to cover the balance of the Total Amount Payable by the consumer borrower, The Credit Agreement will be executed in accordance with the terms and conditions set out therein, the Credit Limit will be used for purchases/services by card payment (the most common method of use of the Credit Limit), the annual interest rate, the amount of the Fees and other costs will remain the same as at the time of conclusion of the Credit Agreement and will continue to apply until the end of the Credit Agreement.

Bicycle was stolen.
Child broke his winter parka in kindergarten.
Glasses were broken.
Skis were broken.
Surfing equipment was damaged.
And many more.

document Purchase insurance terms and conditions

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 inlc. clothing, sports equipment, tech gadgets etc. for 180 days from the day of the purchase.
To claim you need to have 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.

Maximum amount per item EUR 1 000
Maximum amount per event – EUR 2 000
Total insurance amount per year – EUR 4 000
Maximum insurance amount for purchases with limited compensation* – EUR 400.

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

Many expenses related with unwanted travel changes (flight cancellations, delays, travel interruption etc.).
The limit for medical assistance per insured person is now 750,000 EUR.
Lost or stolen luggage.
Injuries while traveling (incl. skiing, swimming pool accidents etc.).
Need of 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 when enjoying your holidays.
Insurance applies to the cardholder free of charge as well as to cardsholder’s spouse/partner, minor children, and minor grandchildren traveling together. Adult children and granchildren are covered by the insurance, if they’re up to 21 years old, full-time students and are not married.
If you travel with your family just once a year, the travel insurance with Credit Card will pay off.

In case of insured event, read more here.

	Standard revolving credit card	Gold credit card	Platinum credit card
Credit card fees	1.44 EUR/month	3.47 EUR/month	16 €/month
Insured persons	Family members travelling together	Family members travelling together	Family members travelling together
Insurance cover	Sum insured per credit card (€)	Sum insured per insured person (€)	Sum insured per insured person (€)
Medical assistance (cost)	50 000 EUR	750 000 EUR	750 000 EUR
Accident insurance	-	10 000 EUR	20 000 EUR
Insurance cover	Sum insured per credit card (€)	Sum insured per credit card (€)	Sum insured per credit card (€)
Personal belongings (damage, theft)	-	1000 EUR	2500 EUR
Travel route / 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 (excess 250 EUR)
Excess	-	30 EUR*	-
Coverage	Insurance cover applies automatically**.
Validity	Valid until the end of the credit card, and for first 30 days of travel.	Valid until the end of the credit card, and for first 3 months of travel.
Terms	document Travel insurance conditions	document Travel insurance conditions	document Travel insurance conditions

*Excess applies to insured events related to property insurance, travel itinerary changes and liability and legal assistance insurance.
**The insurance cover enters into Forde since the moment when the card agreement is concluded and remains in force as long as the card agreement continues in force.

Standard Credit Card issue and administration fees (Mastercard Standard)

Valid from 2023-12-07

Name of the service or transaction	Fee in EUR¹
Credit card fees
Card validity	3 years
Card administration fee²	1.44 euros/month
Card issuing at the branch fee³	EUR 5
Card issuing by mail fee³	EUR 2
Urgent card delivery⁴	EUR 30
Payment for a purchase or a service	Free
Cash withdrawal at ATM’s and other places where this service is provided⁵	2%, min EUR 3
Currency exchange fee when transaction is made not in euro⁶	2.45%
Balance checking at ATM’s (that have the technical capability to do so):
Swedbank, AB, Swedbank AS (Estonia), Swedbank AS (Latvia), Swedbank (Sweden)	Free
Other banks	Free
Changing PIN at Swedbank, AB ATM	Free
A copy of the invoice at Client’s request⁵:
card payment in Lithuania	EUR 1.45
card payment abroad	EUR 5.79
Fees of other services
Monthly fee (Security Programme)⁷	EUR 0
Blocking a lost card	Free
Travel insurance	Free
Shopping insurance	Free
Overdraft account transaction fees
When transaction in the overdraft account are carried out without the payment card, Bank’s services and transaction fees are applied.
Total transaction limits⁸
Total allowance for payments for good and services	EUR 4,350 per day
Total allowance for ATM cash withdrawals	EUR 2,030 per day but not more than EUR 10,000 per calendar month⁹
Total allowance for ATM deposits	EUR 7,500 per calendar month⁹

¹All fees are debited from the client’s account at the Bank, unless stated otherwise in the Fees and the credit card agreement.
²The fee is debited monthly on the day of payment specified in the agreement.
³Applies for new, renewed and replaced cards. Renewed card can be sent by post with „Swedbank“, AB decision without separate customer request
⁴For urgent card delivery, standard card issuance fee applies additionally, depending on the method of card delivery chosen by the customer: by courier or in the branch. The card will be delivered to the bank's branch or to the address indicated by the customer in Lithuania by a courier:

on the next working day, if the card was ordered before 1:00 p.m.;
within two working days, if the card was ordered after 1:00 p.m.;
a new credit card, when the credit limit has not yet been granted, after the decision on granting the credit limit has been made.

⁵The fee is debited from the credit limit of the account
⁶When card transaction is made in currency other than euro (including a cash-out with a card), conversion to euro is being calculated using „Mastercard International“ currency exchange rate at transaction processing day and increasing the amount by value stated in the pricelist. Currency exchange fees can be calculated using a currency exchange calculator accessible in Bank‘s webpage: https://www.swedbank.lt/private/home/more/calculator
⁷Security Programme is valid for credit card agreements signed until 31.08.2023.
⁸At the request of the client, the daily transaction limits may be changed.
⁹This is the total limit applicable to all accounts of the same customer and the cards linked to these accounts.

Standard Credit Card service terms and conditions (Mastercard Standard)

Name of the service or transaction	Service terms and conditions EUR
Terms and conditions of other services in the basket
Security programme⁷
- Period until the notification on card lock	24 hours
- The largest amount of losses not compensated for the client	EUR 28.96
- The largest amount of losses compensated for the client	Daily transaction limit (payment for goods and services)
Travel insurance services and benefits
Medical expenses	EUR 50,000
Shopping insurance benefits
Annual shopping insurance	EUR 4,000
- Including one insured event	EUR 2,000
- Single purchase	EUR 1,000
- Purchases limited to one insured event	EUR 400
- Unconditional deduction	EUR 30
Overdraft fees and conditions
Overdraft granting	Free
Changing overdraft terms and conditions¹¹:
At a branch	EUR 8.69
Online	EUR 1
Minimum overdraft	EUR 300
Period during which interest for used overdraft is not paid (in calendar days from the purchase by a payment card)	25 days

¹⁰Detailed information on travel and shopping insurance can be found on the Bank’s website and at the branches.
¹¹Does not apply to changing the payment day, linked account and overdraft terms and conditions at Bank’s initiative.

Gold Credit Card issue and administration fees (Mastercard Gold)

Valid from 2023-12-07

Name of the service or transaction	Fee in EUR¹
Credit card fees
Card validity	3 years
Card administration fee²	EUR 3.47
Card issuing at the branch fee³	EUR 5
Card issuing by mail fee³	EUR 2
Urgent card delivery⁴	EUR 30
Payment for a purchase or a service	Free
Cash withdrawal at ATM’s and other places where this service is provided⁵:
Up to EUR 500 per calendar month	Free
Above EUR 500 per calendar month	2%
Currency exchange fee when transaction is made not in euro⁶:
Up to EUR 10.000 per calendar month	Free
Above EUR 10.000 per calendar month	2.45%
Balance checking at ATM’s (that have the technical capability to do so):
Swedbank, AB, Swedbank AS (Estonia), Swedbank AS (Latvia), Swedbank (Sweden)	Free
Other banks	Free
Changing PIN at Swedbank, AB ATM	Free
A copy of the invoice at Client’s request⁷:
card payment in Lithuania	EUR 1.45
card payment abroad	EUR 5.79
Fees of other services in the basket
Monthly fee (Security Programme)⁸	EUR 0
Locking a lost card	Free
Travel insurance	Free
Shopping insurance	Free
Overdraft account transaction fees
When transaction in the overdraft account are carried out without the payment card, Bank’s services and transaction fees are applied.
Total transaction limits⁹
Total allowance for payments for good and services	EUR 8,700 per day
Total allowance for ATM cash withdrawals	EUR 2,900 per day but not more than EUR 10,000 per calendar month¹⁰
Total allowance for ATM deposits	EUR 7,500 per calendar month¹⁰

¹All fees are debited from the client’s account at the Bank, unless stated otherwise in the Fees and the credit card agreement.
²The fee is debited monthly on the day of payment specified in the agreement.
³Applies for new, renewed and replaced cards. Renewed card can be sent by post with „Swedbank“, AB decision without separate customer request.
⁴For urgent card delivery, standard card issuance fee applies additionally, depending on the method of card delivery chosen by the customer: by courier or in the branch. The card will be delivered to the bank's branch or to the address indicated by the customer in Lithuania by a courier:

on the next working day, if the card was ordered before 1:00 p.m.;
within two working days, if the card was ordered after 1:00 p.m.;
a new credit card, when the credit limit has not yet been granted, after the decision on granting the credit limit has been made.

⁵Except Perlas terminals, where cash withdrawal fee of 2%, min. EUR 3 is applied for each cash withdrawal transaction.
⁶When card transaction is made in currency other than euro (including a cash-out with a card) above EUR 10.000, conversion to euro is being calculated using „Mastercard International“ or „Visa Europe Services Inc“ currency exchange rate at transaction processing day and increasing the amount by value stated in the pricelist. Currency exchange fees can be calculated using a currency exchange calculator accessible in Bank‘s webpage: https://www.swedbank.lt/private/home/more/calculator.
⁷The fee is debited from the credit limit of the account.
⁸Security Programme is valid for credit card agreements signed until 31.08.2023.
⁹At the request of the client, the total transaction limits may be changed.
¹⁰This is the total limit applicable to all accounts of the same customer and the cards linked to these accounts.

Gold Card service terms and conditions (Mastercard Gold)

Name of the service or transaction	Service terms and conditions EUR
Terms and conditions of other services
Security programme⁸
- Period until the notification on card lock	24 hours
- The largest amount of losses not compensated for the client	EUR 28.96
- The largest amount of losses compensated for the client	Daily transaction limit (payment for goods and services)
Travel insurance services and benefits¹¹
Medical expenses and repatriation insurance	EUR 750,000
Accident insurance	EUR 10,000
Luggage, travel delay and trip cancellation insurance
Departure delay insurance
Over 4 hours	EUR 150
Over 24 hours	EUR 300
Luggage delay over 4 hours	EUR 300
Route/schedule change (including cancellation, discontinuation)	EUR 2,000
Flight ticket change	EUR 150
Civil liability and legal expenses insurance
- Civil liability	EUR 10,000
- Legal expenses	EUR 1,000
- Deposit	EUR 3,000
Flight ticket change	EUR 150
Shopping insurance benefits¹¹
Annual shopping insurance	EUR 4,000
- Including one insured event	EUR 2,000
- Single purchase	EUR 1,000
- Purchases limited to one insured event	EUR 400
- Unconditional deduction	EUR 30
Overdraft fees and conditions
Overdraft granting	Free
Changing overdraft terms and conditions¹²:
At a branch	EUR 8.69
Online	EUR 1
Period during which interest for used overdraft is not paid (in calendar days from the purchase by a payment card)	30 days

¹¹Detailed information on travel and shopping insurance can be found on the Bank’s website and at the branches.
¹²Does not apply to changing the payment day, linked account and overdraft terms and conditions at Bank’s initiative.

Platinum Credit Card issue and administration fees (Mastercard Platinum)

Valid from 2023-12-07

Name of the service or transaction	Fee in EUR¹
Credit card fees
Card validity	3 years
Card administration fee	EUR 16 /month
Card issuing at the branch fee²	EUR 5
Card issuing by mail fee²	EUR 2
Urgent card delivery³	EUR 30
Payment for a purchase or a service	Free
Cash withdrawal at ATM’s and other places where this service is provided⁴:
Up to EUR 1,000 per calendar month	Free
Above EUR 1,000 per calendar month	2%
Currency exchange fee when transaction is made not in euro⁵:
Up to EUR 10,000 per calendar month	Free
Above EUR 10,000 per calendar month	2.45%
Balance checking at ATM’s (that have the technical capability to do so):
Swedbank, AB, Swedbank AS (Estonia), Swedbank AS (Latvia), Swedbank (Sweden)	Free
Other banks	Free
Changing PIN at Swedbank, AB ATM	Free
A copy of the invoice at Client’s request:
card payment in Lithuania⁶	EUR 1.45
card payment abroad⁶	EUR 5.79
Other service fees
Blocking a lost card	Free
Travel insurance	Free
Shopping insurance	Free
Additional service package annual fee⁷ (incl. VAT)	EUR 180
Overdraft account transaction fees
When transaction in the overdraft account are carried out without the payment card, Bank’s services and transaction fees are applied.
Total transaction limits⁸
Total allowance for payments for good and services	EUR 17,400 per day
Total allowance for ATM cash withdrawals	EUR 2,900 per day but not more than EUR 10,000 per calendar month⁹
Total allowance for ATM deposits	EUR 7,500 per calendar month⁹

¹All fees are debited from the client’s account at the Bank, unless stated otherwise in the Fees and the credit card agreement.
²Applies for new, renewed and replaced cards. Renewed card can be sent by post with „Swedbank“, AB decision without separate customer request.
³For urgent card delivery, standard card issuance fee applies additionally, depending on the method of card delivery chosen by the customer: by courier or in the branch. The card will be delivered to the bank's branch or to the address indicated by the customer in Lithuania by a courier:

on the next working day, if the card was ordered before 1:00 p.m.;
within two working days, if the card was ordered after 1:00 p.m.;
a new credit card, when the credit limit has not yet been granted, after the decision on granting the credit limit has been made.

⁴Except Perlas terminals, where cash withdrawal fee of 2%, min. EUR 3 is applied for each cash withdrawal transaction.
⁵When card transaction is made in currency other than euro (including a cash-out with a card) above EUR 10.000, conversion to euro is being calculated using „Mastercard International“ currency exchange rate at transaction processing day and increasing the amount by value stated in the pricelist. Currency exchange fees can be calculated using a currency exchange calculator accessible in Bank‘s webpage: https://www.swedbank.lt/private/home/more/calculator.
⁶The fee is debited from the credit limit of the account.
⁷Fee applied to Mastercard Platinum provides 20 free airport lounge visits for cardholder per calendar year. When booking an additional service package, guests visiting airport lounges are charged a one-off visit fee.
⁸At the request of the client, the total daily transaction limits may be changed.
⁹This is the total limit applicable to all accounts of the same customer and the cards linked to these accounts.

Platinum Credit Card service terms and conditions

Name of the service or transaction	Service terms and conditions EUR
Travel insurance services and benefits¹⁰
Insurance coverage	Amount per single insured
Medical expenses and repatriation insurance	EUR 750,000
Accident insurance	EUR 20,000
Insurance protection¹⁰	Amount per all insured
Travel disruption insurance
- Route/schedule change (including cancellation, discontinuation)	EUR 3,500
- Departure delay over 4 hours	EUR 500
- Luggage delay over 4 hours	EUR 1000
- Flight ticket change	EUR 150
Civil liability and legal expenses insurance
- Civil liability	EUR 20,000
- Legal aid	EUR 10,000
- Deposit	EUR 5,000
Personal belongings insurance	EUR 2,500
Casco insurance for leased vehicles	EUR 40,000 (EUR 250 deduction)
Shopping insurance benefits¹⁰
Annual shopping insurance	EUR 4,000
- Including one insured event	EUR 2,000
- Single purchase	EUR 1,000
- Purchases limited to one insured event	EUR 400
- Unconditional deduction	EUR 30
Overdraft fees and conditions
Overdraft granting	Free
Changing overdraft terms and conditions¹¹:
At a branch	EUR 8.69
Online	EUR 1
Period during which interest is not paid for used credit limit¹²	Until the 20^th of the next month (up to 50 calendar days)

Full credit card pricelist can be found here.

Card transactions in foreign currency (calculator)

document Payment Card user's memo

Please note that the process of debiting a borrower’s account with the amount payable under a credit agreement begins at 17:45 on the payment day specified in the agreement. We recommend taking care in advance that the amount sufficient for the execution of payments is available in the account.

If you have lost your card or it is stolen, please block your card easily in our Internet Bank, Swedbank app or call +370 5 268 4444 or 1884.

We want to make online shopping safer for you. That’s why the internet shopping option must be activated in case of each MasterCard and Visa cards that have been issued by Swedbank and are used to make purchases online.

Fixed payment credit card

Useful if you'll need money for bigger purchases or unforeseen expenses.
Repayment of used credit limit by equal instalments every month.
180 days purchase insurance applies for most goods purchased with credit card or by payment from credit card account.
Credit limit from 300 EUR.

documentPurchase insurance terms and conditions

New Fixed payment credit cards are no longer issued from 16.06.2022. Cards expiring 31.08.2023 and later will not be automatically renewed, but still will be replaced in case stolen, lost or upon customer request.

Using cash not only brings environmental issues but also may support the shadow economy. Take a sustainable step for everyone - choose e-payments over cash. You'll be more environmentally friendly, ensure payment transparency and save time by simplifying your cash management.

Pay digitally. It helps you track your expenses, set the limits for certain expense categories, and identify where you can manage your consumption habits.
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.
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.

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Source: European Central Bank

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

Cash payments

Yearly CO₂ footprint
0
Trees required to absorb CO₂
0

If you paid by card, you could save

CO₂ emissions (kg)
0
Trees
0

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

What are the conditions for obtaining a credit card?
A credit card of private persons may be obtained by an adult customer who has a bank account, has been working for at least 6 months in a well-established company, whose probation period has expired and whose monthly salary is at least EUR 450 (after taxes). If a credit card is obtained together with a co-borrower for family needs, total income of the family (co-borrowers) after taxes must be not smaller than EUR 1100. The possibility to grant a credit card is determined individually after filing by the customer of an application for issuing a credit card and after assessing the customer’s financial situation and the possibilities to grant the credit.
How to fill an application for obtaining a credit card?
Applications for credit cards (likewise for other consumer loans) may be filed only between 07:00 and 22:00 (at night applications are not accepted).
How long does it take to examine the application and to obtain the card?
After completing the application, depending on the data available about the customer, the taking of the decision can last from several minutes (for customers received a personally calculated offer) to 9 business days. The customer is informed by SMS, Internet Bank message or phone.
What interest is offered when acquiring a credit card?
Interest of credit cards depends on the particular credit card type and individual customer’s assessment. Interest on Standard and Golden credit cards may be from 17%, Platinum cards – from 12%.
How is interest calculated on the used credit limit?
Interest on used and outstanding credit is calculated every day. Interest accrued until the payment day during the month is debited from the servicing bank account. Interest calculated every day is rounded according to the arithmetic rounding rules.
When does the interest payment deferral period apply?
Interest calculation on used credit funds is deferred when the customer pays for goods and services at POS or makes online purchases and enters the data of the card.
What fees are charged for payment with a credit card for purchases made in stores and online?
Payment with a credit card, as well as with a debit card, for Customers is free of charge. It should be noted that when payment s made in the currency other than euro, the currency exchange fee of the fixed amount (2.45%) may be charged. The fee is not applicable for non-euro transactions with Gold and Platinum credit cards up to EUR 10.000 per month. Furthermore, after the credit deferral period the contractual interest rate is charged on used and not repaid funds of the credit.
How to change the day of payment of the credit card’s interest?
The most convenient way to change the credit card’s interest payment day is to connect to the Internet Bank (in the Internet Bank section “My cards” –“Card agreement and changes”). Please note that the payment day cannot be changed at night time (from 22:00 until 07:00) and on the fixed date of payment.
When will my travel insurance be valid if I have a credit card and am going abroad?
The insurance will be valid if during travel you have a valid Classic, Gold and Platinum card.
What should I do if I lose my credit card?
If you lose the credit card, you should immediately contact the Bank and block the card. If you think that there is a possibility to find the card, you can temporarily block the card in your mobile app or in the Internet Bank – when the card blocked this way is not unblocked within 10 days, the card will be closed without the possibility of unblocking. If the card is lost or finally blocked, you should call the Bank during business hours or visit the nearest branch and order the replacement of the card.
Will my card be automatically extended? Where can I receive it?
When the expiry date of the card approaches (around 70 days before its expiry date), each credit card holder is preliminary assessed in respect of extension of the credit cards: whether the credit card held meets the current conditions (has at least the minimum credit limit, whether a card of such type is still issued); how the customer fulfils the obligations and what is the customer’s financial situation. Customers who meet the criteria for responsible lending are informed that they have to submit an application for card renewal. They can do it in the Internet Bank section "My cards" - "Application for card renewal". We may need to ask for additional information and in some cases a spouse can be included for family solvency evaluation.

The card reaches customers in the middle of the last month before current card expiry – the customers who have ordered to receive the card by post will simply have to activate the card in the Internet Bank. The old card’s PIN will be used for the renewed card.

The customers are informed about non-extension of the credit card one month before the expiry date of the credit card.
Can I deposit/withdraw cash in an ATM with the credit card?
You can deposit and withdraw cash in an ATMs with the credit card.We recommend the customers, if possible, to pay with a credit card, because in the case of payments with the credit card the interest deferral period and purchase insurance is applied to many purchases.
How to change the credit card’s limit?
A credit card of private persons may be obtained by an adult customer who has a bank account, has been working for at least 6 months in a well-established company, whose probation period has expired and whose monthly salary is at least EUR 400 (after taxes). If a credit card is obtained together with a co-borrower for family needs, total income of the family (co-borrowers) after taxes must be not smaller than EUR 850. The possibility to grant a credit card is determined individually after filing by the customer of an application for issuing a credit card and after assessing the customer’s financial situation and the possibilities to grant the credit.
What safeguards are offered by the Bank to the customer who cannot cover the credit in due time?
When acquiring the credit card the customers can separately obtain the insurance of credit card obligations which provides protection for the customers in the case of permanent illness or unemployment.
What should I do in order to reduce the credit instalment and extent the loan repayment term on expiry of the credit card agreement?
In such case, you should file an application with the Bank on the refinancing of the used credit limit into another loan, e.g., a consumer loan.

What should I do in order to use make the travel insurance valid with the credit card?
The insurance will be valid if during the travel you will have a valid Classic, Gold or Platinum card.
Where can I check the insurance covers provided to me?
The terms and conditions of credit cards depend on the type of the available credit card – the Classic card is provided only with a basic travel insurance which includes only insurance of medical expenses, whereas the Platinum offers a widest insurance with the largest number of covers. You can check the terms and conditions of the credit card in Swedbank Internet Bank by selecting the card type description.
What family members travelling together also benefit from the insurance?
The insurance of the card applies to the spouse or the person who lives together and maintains the common household, as well as children up to 18 years of age who travel together. In the case of the Gold and Platinum card the concept of insured persons is wider – the insurance cover applies to the spouse or the person who lives together and maintains the common household, as well as children and grandchildren up to 18 years of age, and if they are day time students – up to 21 years of age.
How long is the credit card’s travel insurance valid?
The travel insurance is valid for 30 days of an uninterrupted trip for Classic cards and 90 days – for Golden and Platinum cards. The number of travels as well as toe total number of days of all trips is not limited.
How can I obtain an insurance policy?
All customers who hold a credit card are covered by travel insurance, but the insurance policy is not issued – it is enough to have the card. If necessary, the customer may be print a confirmation of validity of the insurance terms and conditions in the internet bank section „My cards“ – such document might be required for customers who need a confirmation when applying for a visa of a foreign country (usually – Russian Federation).

When does purchase insurance apply?
Insurance of purchases applies from the day on which the purchase is made and is valid for 180 days. The purchase must be made with a credit card or by payment order from the credit limit account.
How long is purchase insurance valid?
Insurance of purchases is valid for 180 days.
Where can I check the insurance covers applicable to me?
Insurance of purchases is offered with credit cards of all types, including the Fixed-payments credit card. You can check the terms and conditions of purchase insurance in the Internet Bank.
How can I obtain the insurance policy?
The insurance policy is not issued for this service. Upon occurrence of the event, the form of the claim for damages should be submitted via the Internet Bank, and if there is no such a possibility – you should call the Bank by phone or visit its nearest branch.
What purchases are covered by purchase insurance?
Insurance of purchases is valid for the majority of long-term end-use movable things acquired for personal or family needs, such as, for example: clothes, footwear, furniture, haberdashery, toys and household goods. More information about validity of the insurance cover is provided in the insurance terms and conditions published in the Internet Bank.

Before making a decision regarding the loan and its amount, we recommend to accurately assess your personal and/or your family financial possibilities. We recommend to allocate not more than 30-40% of your monthly income for monthly contributions aimed to cover your financial liabilities. Should you want to find more about the terms and conditions of the loan granting, to assess your personal financial situation in a more accurate manner or to ask questions related to the loan you are applying for, contact us via phone number +370 5 268 4444 or 1884 or visit us at the nearest Swedbank customer service branch.

Visa Platinum credit card	New cards no longer issued to customers from 09.07.2020.
Fixed payment credit card	New Fixed payment credit cards are no longer issued from 16.06.2022. Read more
VISA Gold credit card	New VISA Gold cards no longer issued from 24-09-2020. On 30-09-2022 we will close all VISA cards. From 01-10-2022, customers will not be able to pay with Swedbank issued VISA cards.

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 an additional fee. It provides a wider risk coverage and protection from unexpected costs than the regular Travel Insurance. The Covid-19 insurance cover is automatically valid when abroad if any of the preconditions apply:

Negative Covid-19 test result within 72 hours prior to the start of the trip. In this case the supplementary insurance is valid for 30 days.
Confirmation that you have been infected with Covid-19 within the last 6 months and you are recovered.
Full vaccination certificate.

Preconditions apply to children starting from age of 12.

Preconditions are not needed if trip is cancelled due to Covid-19 sickness or self-isolation before the trip.

For example, we will compensate Covid-19 related medical expenses abroad, if you need medical assistance. Or travel cancellation costs before the trip if you: have received a positive coronavirus test, or you are a close contact person and have to stay in isolation (quarantine).

Travel disruption caused by authorities (e.g. closed borders, lockdowns) is not covered even in case of pandemic/epidemic.

Carefully consider the need to go abroad.

Make daily payments quickly and easily, shop online and save money every time you pay by card.

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

A card enabling additional money and extra credit for company.

New!

Investing is completely effortless. Your investments will be automatically topped up with a small amount from each card payment.

If you have any questions, contact us

Sending a message on internet banking
by email: info@swedbank.lt
by phone +370 5 268 4444 or 1884
Frequently Asked Questions

In case of insured event

call us by +370 5 268 4444 or 1884.

Report damage

	Revolving credit card Monthly fee 1,44 EUR More	Gold credit card Monthly fee 3,47 € More	Platinum credit card Monthly fee 16 €/month More
	Best choice for your purchases and occasional travels abroad. Insurance coverage also applies to credit card holder‘s spouse/partner and minor children traveling together.	Travel insurance for the whole family traveling together. Insurance applies to the cardholder free of charge as well as to cardsholder’s spouse/partner, minor children, and minor grandchildren traveling together. Adult children and granchildren are covered by the insurance, if they’re up to 21 years old, full-time students and are not married.	Our best travel insurance, access to airport lounges with LoungeKey™.
Purchase insurance
Travel insurance	Basic
Rental car CASCO
LoungeKey™
Mastercard® Airport Security Fast Track
No mark-up fee for transactions in foreign currency
Credit limit	From 300EUR	From 600EUR	From 2000EUR
No commission fee for cash withdrawals worldwide		Up to 500 Eur per month	Up to 1000 Eur per month
Currency exchange fee - up to EUR 10 000 per month - over EUR 10 000 per month	2.45 % 2.45 %	0 % 2.45 %	0 % 2.45 %
Interest free period	25 days For each purchase, from the date of purchase.	30 days For each purchase, from the date of purchase.	Up to 50 days For all purchases, until the 20^th of the following month.
Issuing fee	By post in Lithuania 2 Eur, In a branch 5 Eur	By post in Lithuania 2 Eur, In a branch 5 Eur	By post in Lithuania 2 Eur, In a branch 5 Eur
Annual interest from *	from 17%	from 17%	from 12%
Credit limit from EUR 300	Credit limit from EUR 600	Credit limit from EUR 2 000
Basic travel insurance	Travel insurance for the whole family	Our widest travel insurance
180-day purchase insurance	180-day purchases insurance	180-day purchase insurance
25 days interest-free period* For each purchase, from the date of purchase.	CASCO for rental car	CASCO for rental car
Cash withdrawal up to EUR 500 per month – with no commission fee	30-days interest-free period* For each purchase, from the date of purchase.	Up to 50 days interest-free period* For all purchases, until the 20^th of the following month.
	Cash withdrawal up to EUR 500 per month – with no commission fee	Access to airport lounges with LoungeKey™

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Standard Credit Card issue and administration fees (Mastercard Standard)

Standard Credit Card service terms and conditions (Mastercard Standard)

Gold Credit Card issue and administration fees (Mastercard Gold)

Gold Card service terms and conditions (Mastercard Gold)

Platinum Credit Card issue and administration fees (Mastercard Platinum)