Nordea Gold credit card 2026: price, benefits and effective annual interest rate (APR)
In October 2026 Nordea Gold costs €5.99/month without a package, and includes 0.5% cashback (up to €150/year) and travel insurance abroad when 75% of the trip is paid with credit. The effective annual interest rate (APR) is 22.1% in Nordea's €1,500 example.
Effective annual interest rate (APR)
22.10% effective annual interest rate (APR)
On Nordea's product page: "The effective annual interest rate (APR) of the Nordea Gold credit card for a credit of €1,500 is 22.1%, when the reference rate 3-month Euribor is 2.08% (04/2026). The calculation has been made assuming that a free e-invoice is in use, that the credit is repaid in 12 instalments (€133) at monthly intervals and that the credit card's share of the card's monthly fee is €2.99. The calculation does not take into account the additional services included in the card's monthly fee. The estimated total cost of the credit is €1,669."
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.
Nordea Gold: price
| Monthly price | €5.99/month |
|---|---|
| Annual price | not published |
| Terms affecting the price | €5.99/month without a package (incl. the card €2.99/month and additional services). Gold package: Premium and Preferred customers and ages 18-27: €0.99/month, other Nordea customers €6.99/month; the package price requires regular income to be directed to Nordea. |
| Who can apply | An adult Nordea customer, permanent place of residence in Finland, regular and sufficient income or a university student, well-managed finances and no payment default entry. |
Credit terms
| Credit limit up to | €10,000 |
|---|---|
| Interest margin | 13.90% |
| Interest-free period | 30 days |
| How the interest is set | 3-month Euribor + 13.90%. Credit account management fee €0/month (cards granted after 1.5.2026; old terms apply to old cards). 30-day interest-free period for purchases; cash withdrawals and transfers bear interest from the withdrawal date. Credit limit €5,000-10,000. |
Benefits
| Travel insurance | Tryg's continuous travel insurance abroad for the cardholder, the cohabiting or married spouse and children under 22 living in the same household (cardholder and spouse aged 16-78), for leisure trips of up to 3 months. Requires that at least 75% of travel and accommodation costs are paid with the credit feature. Covers, among other things, medical expenses with no euro upper limit (excess €100), baggage €850 (excess €100), cancellation or interruption €1,700, delay €1,700, dental care €200. |
|---|---|
| Lounge | No free lounge visits. |
| Withdrawals abroad | Withdrawals in euros from a bank account in EEA countries 4/month free of charge, after that €1; withdrawals in foreign currency from a bank account €2.00 + 3%; withdrawals from card credit bear interest from the withdrawal date. Free of charge at Nordea's ATMs in Norway, Sweden and Denmark. |
| Currency conversion markup on card payments | 2.50% |
| Purchase protection | Tuoteturva (product cover): products of €100-2,000 paid for entirely with the credit feature, 180 days, excess €50, up to €12,000/year (Tryg). |
|---|---|
| Cashback or points | Cashback 0.5% on purchases paid with credit (not cash transfers or gambling), up to €150 per calendar year, paid to the credit account monthly. |
| Other | Mastercard Priceless offer rights, K-Plussa feature can be added. |
Bank and packages
Related guides
- Premium accounts and cards compared
- Bank packages compared
- S-Etukortti Visa Credit
- Finnair Visa Credit
- Nordea Platinum
Sources
- Nordea Goldretrieved 16 October 2026
- Nordea: Korttivakuutuksetretrieved 16 October 2026
- Nordea: Cashbackretrieved 16 October 2026
- Nordea: Palvelupaketit (Blue, Gold, Platinum)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 Nordea Gold cost?
In October 2026 Nordea Gold costs €5.99/month. €5.99/month without a package (incl. the card €2.99/month and additional services). Gold package: Premium and Preferred customers and ages 18-27: €0.99/month, other Nordea customers €6.99/month; the package price requires regular income to be directed to Nordea. Effective annual interest rate (APR) 22.10% (example: On Nordea's product page: "The effective annual interest rate (APR) of the Nordea Gold credit card for a credit of €1,500 is 22.1%, when the reference rate 3-month Euribor is 2.08% (04/2026). The calculation has been made assuming that a free e-invoice is in use, that the credit is repaid in 12 instalments (€133) at monthly intervals and that the credit card's share of the card's monthly fee is €2.99. The calculation does not take into account the additional services included in the card's monthly fee. The estimated total cost of the credit is €1,669.").
What is the effective annual interest rate (APR) of Nordea Gold?
In October 2026 Nordea Gold: Effective annual interest rate (APR) 22.10% (example: On Nordea's product page: "The effective annual interest rate (APR) of the Nordea Gold credit card for a credit of €1,500 is 22.1%, when the reference rate 3-month Euribor is 2.08% (04/2026). The calculation has been made assuming that a free e-invoice is in use, that the credit is repaid in 12 instalments (€133) at monthly intervals and that the credit card's share of the card's monthly fee is €2.99. The calculation does not take into account the additional services included in the card's monthly fee. The estimated total cost of the credit is €1,669."). 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 Nordea Gold include?
In October 2026 Travel insurance: Tryg's continuous travel insurance abroad for the cardholder, the cohabiting or married spouse and children under 22 living in the same household (cardholder and spouse aged 16-78), for leisure trips of up to 3 months. Requires that at least 75% of travel and accommodation costs are paid with the credit feature. Covers, among other things, medical expenses with no euro upper limit (excess €100), baggage €850 (excess €100), cancellation or interruption €1,700, delay €1,700, dental care €200. Lounge: No free lounge visits. Cashback or points: Cashback 0.5% on purchases paid with credit (not cash transfers or gambling), up to €150 per calendar year, paid to the credit account monthly. Currency conversion markup on card payments: 2.50%. Effective annual interest rate (APR) 22.10% (example: On Nordea's product page: "The effective annual interest rate (APR) of the Nordea Gold credit card for a credit of €1,500 is 22.1%, when the reference rate 3-month Euribor is 2.08% (04/2026). The calculation has been made assuming that a free e-invoice is in use, that the credit is repaid in 12 instalments (€133) at monthly intervals and that the credit card's share of the card's monthly fee is €2.99. The calculation does not take into account the additional services included in the card's monthly fee. The estimated total cost of the credit is €1,669.").