Danske Bank Mastercard Gold Credit/Debit credit card 2026: price, benefits and effective annual interest rate (APR)

In October 2026 Danske Bank Mastercard Gold Credit/Debit costs not published. Annual card fee 1.9% of the credit limit, up to €150/year (cards agreed from 1.9.2019); the fee includes invoicing fees, card changes, cash withdrawals from the credit account and a parallel card. Because the fee depends on the credit limit, there is no fixed annual price. Effective annual interest rate (APR) 18.20% (example: On Danske Bank's product page: "The interest rate of the Mastercard Gold Credit / Debit credit card is 3-month Euribor + 11%. The effective annual interest rate (APR) for a credit of €2,000 would be 18.2% and the estimated total cost of the credit €2,184.72. In the example calculation the credit limit is €2,000, the credit period is one year, the credit has been drawn in full, the total interest rate of the credit (13.3%) and the annual card fee (1.9% of the credit limit) remain the same throughout the credit period and the credit is repaid in 12 equal monthly instalments. The example has been calculated with interest rate information of 01.06.2026." Note: the SECCI form linked from the page was calculated in 12/2017 (margin 7.0%, effective annual interest rate 10.0%), so it does not match the current terms).

In October 2026 Danske Bank Mastercard Gold Credit/Debit: Effective annual interest rate (APR) 18.20% (example: On Danske Bank's product page: "The interest rate of the Mastercard Gold Credit / Debit credit card is 3-month Euribor + 11%. The effective annual interest rate (APR) for a credit of €2,000 would be 18.2% and the estimated total cost of the credit €2,184.72. In the example calculation the credit limit is €2,000, the credit period is one year, the credit has been drawn in full, the total interest rate of the credit (13.3%) and the annual card fee (1.9% of the credit limit) remain the same throughout the credit period and the credit is repaid in 12 equal monthly instalments. The example has been calculated with interest rate information of 01.06.2026." Note: the SECCI form linked from the page was calculated in 12/2017 (margin 7.0%, effective annual interest rate 10.0%), so it does not match the current terms). The banks' effective annual interest rate (APR) examples are not comparable with each other: the credit amount and the loan period vary, and in some examples the card's monthly fee is included in the calculation and in others it is not. Compare the figures only if the assumptions of the example are the same. Pankkitutka does not rank credit cards by effective annual interest rate (APR).

In October 2026 Travel insurance: Moderna Försäkringar (Trygg-Hansa) travel insurance abroad, valid when at least 75% of the return trip and accommodation is paid with the credit side; family members travelling along are insured, maximum trip duration 90 days. Covers, among other things, medical expenses and repatriation with no euro upper limit, cancellation and interruption €5,000, baggage €2,500 (excess €50), baggage delay €1,000, waiting up to €500, dental care €150, legal assistance €10,000. Lounge: No lounge benefit. Cashback or points: No cashback or payment-method benefit on the Gold card. Currency conversion markup on card payments: 2.25%. Effective annual interest rate (APR) 18.20% (example: On Danske Bank's product page: "The interest rate of the Mastercard Gold Credit / Debit credit card is 3-month Euribor + 11%. The effective annual interest rate (APR) for a credit of €2,000 would be 18.2% and the estimated total cost of the credit €2,184.72. In the example calculation the credit limit is €2,000, the credit period is one year, the credit has been drawn in full, the total interest rate of the credit (13.3%) and the annual card fee (1.9% of the credit limit) remain the same throughout the credit period and the credit is repaid in 12 equal monthly instalments. The example has been calculated with interest rate information of 01.06.2026." Note: the SECCI form linked from the page was calculated in 12/2017 (margin 7.0%, effective annual interest rate 10.0%), so it does not match the current terms).