·
Updated 18. June 2026
·
This content contain affiliate or advertising links. If you click and make a purchase, we may receive a commission. Your price is not affected.
Top Pick
Ferratum Credit Card
Max Limit
4 000 €
Annual Fee
0 €
Interest Rate
19%
Interest-Free
0 days
Card TypeCredit account
Min. Age22 years
Effective Interest28.58%
Withdrawal Fee0 €
Invoice Fee12 €
Opening Fee0 €
Monthly Account Fee12 €/month
Minimum Repayment3% of the total credit balance, minimum 40 € per month
Repayment Period3 to 54 months
First Year FreeYes
Free Extra CardNo
Defaults AllowedNo
Apple PayNo
Google PayNo
Samsung PayNo
Example: €4,000 loan, variable nominal interest rate 17.50% (reference interest rate according to the Interest Act 2.50% + 15.00% margin), effective annual interest rate 26.52% including a €12 monthly payment. Repaid in 12 monthly installments of €377.77. Credit costs are €533.22, including €389.22 interest and €144.00 expenses. Total cost €4,533.22.
Recommended
Instabank Credit Card
Max Limit
25 000 €
Annual Fee
0 €
Interest Rate
15.9%
Interest-Free
0 days
Card TypeCredit card
Min. Age23 years
Min. Income20 000 €/year
Effective Interest19.57%
Currency Fee2.49%
Withdrawal Fee2%, maximum 50 € per withdrawal
Invoice Fee5 €
Opening Fee0 €
Monthly Account Fee5 €/month
Bank Transfer Fee2%, maximum 50 € per transfer
Purchase Fee0 € for purchases in Finland and abroad
First Year FreeYes
Free Extra CardNo
Defaults AllowedNo
Apple PayNo
Google PayNo
Samsung PayNo
Example: Loan 5,000 €, nominal interest rate 15.9%, effective annual interest rate 19.57%. Monthly installment with a 12-month repayment period is 458 €. Costs 502 €, total 5,502 €.
Virtual Card
GF Credit Card
Max Limit
3 000 €
Annual Fee
0 €
Interest Rate
17.5%
Interest-Free
0 days
Card TypeVirtual Visa
Min. Age18 years
Effective Interest26.64%
Invoice Fee0 €
Opening Fee0 €
Loan Servicing Fee0.01% per day, maximum 150 € per year
Initial Credit Limit500 €
First Year FreeYes
Free Extra CardNo
Defaults AllowedNo
Apple PayNo
Google PayYes
Samsung PayNo
Example: GF Card is an unsecured continuous credit of up to 3,000 €. Nominal interest rate 17.50% (15.00% margin + 2.50% reference rate, 01.07.2025-31.12.2025). Credit management cost is 0.01% per day, maximum 150 € per year. For a 3,000 € credit repaid over 12 months, total credit costs are 401.48 €, total repayment amount is 3,401.48 €, effective annual interest rate is 26.64%, and the monthly installment is 283.46 €.
No FX Fee
Saldo Bank Credit Card
Max Limit
4 000 €
Annual Fee
0 €
Interest Rate
17.5%
Interest-Free
Up to 45 days
Card TypeVisa
Min. Age18 years
Effective Interest26.61-26.63%
Currency Fee0% from Saldo Bank. Visa exchange rate applies.
Withdrawal Fee0 € from Saldo Bank. ATM operator fees may apply.
Invoice Fee0 €
Reminder Fee5 €
Opening Fee0 €
Card Delivery0 €
Loan Servicing Fee0.01% per day, maximum 150 € per year
Repayment Period3 to 111 months depending on the amount of credit used
First Year FreeYes
Free Extra CardNo
Defaults AllowedNo
Apple PayNo
Google PayNo
Samsung PayNo
Example: Annual percentage rate for a loan of 1,500 € is 26.62%. The interest rate used in the calculation is 17.5%, and loan servicing costs are on average 4.56 € per month. The total amount of the loan and loan costs is 1,700.64 €, with 12 installments of 141.72 € per month.
Compare Cards
Omalaina Credit Card Comparison
Max Limit
15 000 €
Annual Fee
0 €
Interest Rate
17.5%
Interest-Free
0 days
Card TypeComparison
Min. Age20 years
Effective Interest18.97%
Invoice Fee0 €
Opening Fee0 €
Monthly Account Fee0 €/month
First Year FreeYes
Free Extra CardNo
Defaults AllowedNo
Apple PayNo
Google PayNo
Samsung PayNo
Example: When the used credit amount is 2,000 €, the interest rate is 17.5%, the credit is repaid in 12 equal monthly installments, the account management fee is 0 €/month, the annual fee is 0 €, and the opening fee is 0 €. The estimated monthly installment is 182.88 €, the estimated total repayment amount is 2,195 €, and the effective annual interest rate is 18.97%. The credit card is an open-ended credit agreement.
Compare Offers
Rahalaitos Credit Card Comparison
Max Limit
15 000 €
Annual Fee
0 €
Interest Rate
17.5%
Interest-Free
0 days
Card TypeComparison
Min. Age23 years
Effective Interest18.97%
Invoice Fee0 €
Opening Fee0 €
Monthly Account Fee0 €/month
First Year FreeYes
Free Extra CardNo
Defaults AllowedNo
Apple PayNo
Google PayNo
Samsung PayNo
Example: When the used credit amount is 2,000 €, the interest rate is 17.5%, the credit is repaid in 12 equal monthly installments, the account management fee is 0 €/month, the annual fee is 0 €, and the opening fee is 0 €. The estimated monthly installment is 182.88 €, the estimated total repayment amount is 2,195 €, and the effective annual interest rate is 18.97%. The credit card is an open-ended credit agreement.
Borrowing costs money!
If you cannot repay your debt in time, you may risk receiving a payment default record. A payment remark may make it harder to get new credit, subscriptions or other financial products. For support in Finland, contact Financial and Debt Counselling or visit oikeuspalveluvirasto.fi.
Top Pick: Ferratum Credit Card
Credit limit up to 4 000 €. Compare terms and apply online.
Apply Now
The Bank Norwegian Credit Card offers a straightforward solution for those seeking a flexible credit card option in Finland. This card provides up to 45 days of interest-free credit and a credit limit that can reach up to €15,000, accommodating a range of spending needs. Cardholders have the option to earn rewards through cashback or CashPoint-pisteet, which can be redeemed for Norwegian Airline services, adding a travel benefit to everyday purchases.
The card’s compatibility with Apple Pay and support for smartwatch and mobile payments reflect its adaptability to modern payment methods. Users can manage their accounts efficiently using the Bank Norwegian app, allowing them to track transactions, check balances, and adjust settings with ease, all of which underscore the card’s commitment to combining convenience with control in financial management.
Benefits of Bank Norwegian Credit Card
The Bank Norwegian Credit Card offers a range of advantages for its users, particularly appealing to those who travel frequently or enjoy earning rewards on their expenditures. Here’s what cardholders can expect:
- CashPoint Rewards: With every purchase made using the Bank Norwegian Credit Card, you can earn CashPoint points, which are especially beneficial for travelers using Norwegian Air. These points can be applied towards booking flights, making your travel more cost-effective.
- Credit and Cashback Choices: The card offers a credit limit up to €15,000 and up to 45 days of interest-free purchases, providing flexibility in managing your expenses. You have the option to choose between accumulating cashback or CashPoint points on your purchases.
- Utilization of Points: CashPoint points function like currency for Norwegian Air, offering a tangible way to reduce travel costs. They can also be used for various airline-related services, enhancing your travel experience.
- Reward Rates: The card enables you to accumulate 0.5% in CashPoint points on general purchases, with increased rates for specific purchases linked to Norwegian Air. This system rewards you for both everyday spending and travel-related expenses.
- App Functionality: Through the Bank Norwegian app, you can easily track your points, manage card settings, and view transactions, providing a comprehensive overview of your account and rewards.
- Insurance and Security: Cardholders benefit from travel and cancellation insurance, adding an extra layer of security to your trips. The card also features advanced security measures to safeguard your financial information and monitor for fraudulent activities.
- Payment Convenience: The card’s compatibility with mobile payment technologies like Apple Pay enhances its usability, allowing for easy and secure transactions both online and in physical stores.
The Bank Norwegian Credit Card combines financial flexibility with rewarding benefits, making it a solid choice for individuals looking to maximize their spending and travel experiences.
Requirements
To be eligible for the Bank Norwegian Credit Card, applicants must meet certain criteria, ensuring they are capable of managing credit responsibly.
- Credit History: Applicants should not have any recorded payment problems, reflecting a reliable track record of managing financial obligations.
- Age Requirement: You must be at least 18 years old to apply for the card, aligning with the legal age for entering into financial contracts in Finland.
- Residency: A minimum of 36 months registered in the Finnish Population Data Register is required, indicating a stable residential status in the country.
- Social Security Number: A Finnish social security number is essential for the application, serving as a unique identifier for credit and legal purposes.
- Creditworthiness Assessment: Beyond these basic requirements, the bank conducts a creditworthiness survey to evaluate your financial stability and ability to handle credit. This assessment is crucial in determining whether you qualify for the credit card.
Interest rates
The Bank Norwegian Credit Card offers competitive interest rates, which are crucial to understand for managing your credit effectively.
| Description | Rate or Amount |
|---|---|
| Interest-Free Period | Up to 45 days |
| Annual Nominal Interest Rate | 19.50% |
| Monthly Nominal Interest Rate | 1.62% |
| Effective Annual Interest Rate | 21.34% |
| Example Credit Amount | €1,500 |
| Repayment Term | 12 monthly installments of €139 |
| Total Cost of Credit | €163 |
| Total Repayment Amount | €1,663 |
- Interest-Free Period: Cardholders can enjoy up to 45 days of interest-free credit, allowing you to make purchases without incurring immediate interest, provided you pay the full balance within this period.
- Annual Nominal Interest Rate: The card comes with an annual nominal interest rate of 19.50%, which is the rate of interest you will be charged annually on any outstanding balance post the interest-free period.
- Monthly Nominal Interest Rate: This breaks down to a monthly nominal rate of 1.62%, offering a more granular view of how interest accrues on a monthly basis.
- Effective Annual Interest Rate: The effective annual interest rate, which includes additional costs and fees, stands at 21.34% for a typical €1,500 credit utilized over a year.
- Cost of Credit: For example, if you take a credit of €1,500 and decide to repay it in 12 monthly installments of €139, the total cost of the credit, including interest, would amount to €163, summing up a total repayment of €1,663.
Alternatives to the Bank Norwegian credit card
*Example: €1,500 credit, variable nominal interest rate 19.50% (reference interest rate according to the Interest Act 4.50% + 15.00% margin), effective annual interest rate 21.34%. Repayment in 12-month installments €138.59/month, share of expenses €163.12, total cost €1,663.12.
