Bank Norwegian
Bank Norwegian Credit Card
Bank Norwegian Credit Card is a no-annual-fee credit card in Norway with a flexible rewards programme. Cardholders can choose CashPoints or cashback on purchases, get up to 45 days interest-free payment deferral, up to 150,000 kr credit limit, and included travel and cancellation insurance.
Highlights
Main benefits
- 0 kr annual fee
- CashPoints or cashback on purchases
- Up to 45 days interest-free payment deferral
- Credit limit up to 150,000 kr
- Travel and cancellation insurance included
- Representative effective interest rate of 24.4% based on the official example of 15,000 kr over 1 year
- Nominal interest rate of 21.99% per year on deferred payment
- Flexible reward choice between travel points and cashback
- Good fit for everyday spending and travel users
- Online application available
Fees
Fees and charges
Joining fee
0 kr annual fee
Renewal fee
0 kr annual fee
Annual fee waiver
No annual fee
Who can apply
Eligibility
- Resident of Norway
- Applicant must meet Bank Norwegian age and credit requirements
- Norwegian national identity number required
- Regular income and repayment capacity required
- Subject to Bank Norwegian credit assessment and approval
Checklist
Documents required
- Norwegian national identity number
- Valid identification for BankID verification
- Income and employment details
- Address and contact details
- Bank account details
- Additional documents requested during Bank Norwegian’s application review
Process
How to apply
1. Visit the Bank Norwegian Norway credit card product page
2. Start the online credit card application
3. Enter your personal, income, contact, and credit details
4. Complete identity verification with BankID
5. Choose CashPoints or cashback as your reward option
6. Complete Bank Norwegian’s credit assessment and activate the card after approval
Value
Reward and cashback structure
Reward rate
CashPoints or cashback on purchases
CashPoints on purchases with the Bank Norwegian card
Up to 45 days interest-free payment deferral
Credit limit up to 150,000 kr
Nominal interest rate of 21.99% per year on deferred payment
Representative effective interest rate of 24.4% based on the official example of 15,000 kr over 1 year
Cashback
Cashback available as an alternative to CashPoints
CashPoints or cashback can be earned on purchases
Cashback details depend on the selected Bank Norwegian reward option
Good fit
Pros
- No annual fee
- Flexible choice between CashPoints and cashback
- Included travel and cancellation insurance adds value
- Up to 45 days interest-free payment deferral
- High possible credit limit up to 150,000 kr
- Useful for Norwegian travellers
- Simple everyday rewards structure
Watchouts
Cons
- Exact cashback rate is not clearly shown in the main public page
- Best travel value is mainly for Norwegian travel users
- Lounge access is not specified
- Fuel surcharge waiver is not available
- Interest cost can be high if the balance is not paid in full
- Credit approval is required
Related
Related cards
Compare
Compare Cards
| Field | Bank Norwegian Credit Card | TF Bank Mastercard |
|---|---|---|
| Bank/provider | Bank Norwegian | TF Bank |
| Joining fee | 0 kr annual fee | 0 kr annual fee |
| Renewal fee | 0 kr annual fee | 0 kr annual fee |
| Best for |
|
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| Reward rate |
|
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| Cashback |
|
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| Lounge access | Not specified | Not specified |
| Fuel surcharge waiver | Not available | Not available |
| Welcome benefit | Not specified | Not specified |
| Annual fee waiver condition | No annual fee | No annual fee |
| Eligibility |
|
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| Apply link | Apply Now | Apply Now |