Danske Bank Mastercard Platinum Credit/Debit credit card 2026: price, benefits and effective annual interest rate (APR)
In October 2026 Danske Bank's Mastercard Platinum gives a 0.5% payment-method benefit, but the benefit can be at most the amount of service fees paid to the bank, and Priority Pass is included only for Premium and Private Banking customers. The effective annual interest rate (APR) is 15.9% in Danske Bank's €4,000 example.
Effective annual interest rate (APR)
15.90% effective annual interest rate (APR)
On Danske Bank's product page: "The interest rate of the Mastercard Platinum Credit / Debit credit card is 3-month Euribor + 9%. The effective annual interest rate (APR) for a credit of €4,000 would be 15.9% and the estimated total cost of the credit €4,324.50. In the example calculation the credit limit is €4,000, the credit period is one year, the credit has been drawn in full, the total interest rate of the credit (11.3%) 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." Premium customer's example on the same page: effective annual interest rate (APR) 11.9%, total cost €4,248.50, card fee €0.
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).
The cap on consumer credit interest is 17.50% for the period 1 July 2026-31 December 2026. See the interest rate cap and its sources.
Danske Bank Mastercard Platinum Credit/Debit: price
| Monthly price | not published |
|---|---|
| Annual price | not published |
| Terms affecting the price | 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. In the Premium customer's example calculation the annual card fee is €0; Platinum for Private Banking customers €150/year. |
| Who can apply | An approved credit decision; personal credit information is checked from Suomen Asiakastieto and the positive credit register. Priority Pass and the €0 card fee require Premium or Private Banking customer status. |
Credit terms
| Interest margin | 9.00% |
|---|---|
| Interest-free period | 43 days |
| How the interest is set | 3-month Euribor + 9%. Interest-free period for purchases on average 43 days. The upper limit of the credit limit is not published on the product page. |
Benefits
| 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, liability damages €100,000. |
|---|---|
| Lounge | Priority Pass (6 free visits per year) is included only in the cards of Private Banking, Premium and Akava recent-graduate customers and business customers. All Platinum cardholders get free access, with one guest, to the Danske Bank Aviator Business Lounge at Copenhagen Airport. |
| Withdrawals abroad | Cash withdrawals from the credit account are included in the annual card fee; foreign-currency withdrawals on the debit side €2.00 + 3.0%. |
| Currency conversion markup on card payments | 2.25% |
| Purchase protection | Purchase and cash withdrawal cover: theft of or damage to an item bought with the credit feature within 180 days, up to €3,000 per event and €9,000 during the card's validity; cash robbed within 12 hours of withdrawal up to €500 (€2,000/3 yrs). |
|---|---|
| Cashback or points | Payment-method benefit 0.5% on credit-side purchases, paid to the current account annually on 1.12.; at most the amount of daily and financial service fees paid during the review period, minimum credit €5. A Premium and Private Banking customer can exchange the payment-method benefit for the Finnair Plus Silver tier or 4,000 Avios. |
| Other | The Platinum everyday banking package also includes a separate debit card. |
Bank and packages
Related guides
- Premium accounts and cards compared
- Bank packages compared
- Danske Bank Mastercard Gold Credit/Debit
- Resurs Gold
Sources
- Danske Bank: Mastercard Platinumretrieved 16 October 2026
- Danske Bank: Mastercard Platinum ulkomaanmatkavakuutuksen ehdot (PDF)retrieved 16 October 2026
- Danske Bank päivittäispalveluhinnasto, voimassa 1.3.2026 alkaen (PDF)retrieved 16 October 2026
- Danske Bank: Vakiomuotoiset eurooppalaiset kuluttajaluottotiedot, MasterCard (PDF, laskettu 12/2017)retrieved 16 October 2026
Data checked 16 October 2026. Check current terms and prices with the provider.
Pankkitutka has no advertising links for credit products: the links always go to the provider's own site.
Frequently asked questions
How much does Danske Bank Mastercard Platinum Credit/Debit cost?
In October 2026 Danske Bank Mastercard Platinum 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. In the Premium customer's example calculation the annual card fee is €0; Platinum for Private Banking customers €150/year. Effective annual interest rate (APR) 15.90% (example: On Danske Bank's product page: "The interest rate of the Mastercard Platinum Credit / Debit credit card is 3-month Euribor + 9%. The effective annual interest rate (APR) for a credit of €4,000 would be 15.9% and the estimated total cost of the credit €4,324.50. In the example calculation the credit limit is €4,000, the credit period is one year, the credit has been drawn in full, the total interest rate of the credit (11.3%) 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." Premium customer's example on the same page: effective annual interest rate (APR) 11.9%, total cost €4,248.50, card fee €0).
What is the effective annual interest rate (APR) of Danske Bank Mastercard Platinum Credit/Debit?
In October 2026 Danske Bank Mastercard Platinum Credit/Debit: Effective annual interest rate (APR) 15.90% (example: On Danske Bank's product page: "The interest rate of the Mastercard Platinum Credit / Debit credit card is 3-month Euribor + 9%. The effective annual interest rate (APR) for a credit of €4,000 would be 15.9% and the estimated total cost of the credit €4,324.50. In the example calculation the credit limit is €4,000, the credit period is one year, the credit has been drawn in full, the total interest rate of the credit (11.3%) 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." Premium customer's example on the same page: effective annual interest rate (APR) 11.9%, total cost €4,248.50, card fee €0). 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).
What benefits does Danske Bank Mastercard Platinum Credit/Debit include?
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, liability damages €100,000. Lounge: Priority Pass (6 free visits per year) is included only in the cards of Private Banking, Premium and Akava recent-graduate customers and business customers. All Platinum cardholders get free access, with one guest, to the Danske Bank Aviator Business Lounge at Copenhagen Airport. Cashback or points: Payment-method benefit 0.5% on credit-side purchases, paid to the current account annually on 1.12.; at most the amount of daily and financial service fees paid during the review period, minimum credit €5. A Premium and Private Banking customer can exchange the payment-method benefit for the Finnair Plus Silver tier or 4,000 Avios. Currency conversion markup on card payments: 2.25%. Effective annual interest rate (APR) 15.90% (example: On Danske Bank's product page: "The interest rate of the Mastercard Platinum Credit / Debit credit card is 3-month Euribor + 9%. The effective annual interest rate (APR) for a credit of €4,000 would be 15.9% and the estimated total cost of the credit €4,324.50. In the example calculation the credit limit is €4,000, the credit period is one year, the credit has been drawn in full, the total interest rate of the credit (11.3%) 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." Premium customer's example on the same page: effective annual interest rate (APR) 11.9%, total cost €4,248.50, card fee €0).