Bank Norwegian
Bank Norwegian Credit Card
Bank Norwegian Credit Card is a no-annual-fee credit card in Sweden with a flexible bonus programme. Cardholders can choose between 0.5% cashback on almost all purchases or CashPoints for Norwegian travel, along with included travel insurance, up to 45 days interest-free credit, fee-free purchases, and a credit limit of up to 150,000 kr.
Highlights
Main benefits
- 0 kr annual fee
- 5% cashback on almost all purchases
- Option to earn CashPoints instead of cashback
- CashPoints can be used for Norwegian flights
- Included travel insurance
- Up to 45 days interest-free credit
- Fee-free purchases
- Credit limit up to 150,000 kr
- Bonus earning also works with mobile and smartwatch payments
- Representative effective interest rate of 24.36% based on the official example from January 2026
- Nominal credit interest rate of 22.00% based on the official example from January 2026
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 Sweden
- Applicant must be at least 23 years old
- No active debt collection cases
- Registered income required
- Subject to Bank Norwegian credit assessment and approval
Checklist
Documents required
- Swedish personal identity number
- Valid identification for BankID verification
- Income and employment details
- Address and contact details
- Additional documents requested during Bank Norwegian’s application review
Process
How to apply
1. Visit the Bank Norwegian Sweden 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 cashback or CashPoints as your bonus programme
6. Complete Bank Norwegian’s credit assessment and activate the card after approval
Value
Reward and cashback structure
Reward rate
0.5% cashback on almost all purchases
0.5% CashPoints earning on purchases in Sweden
CashPoints can be used for flights with Norwegian
Up to 45 days interest-free credit
Credit limit up to 150,000 kr
Cashback
5% cashback on almost all purchases
Cashback can be used to pay the credit card invoice
Cardholder can choose cashback or CashPoints as the bonus programme
Cashback earning also works when paying by mobile or smartwatch
Good fit
Pros
- No annual fee
- Simple 0.5% cashback structure
- Flexible choice between cashback and CashPoints
- Good fit for Norwegian travellers
- Included travel insurance adds extra value
- Up to 45 days interest-free credit
- High possible credit limit up to 150,000 kr
- Works well for everyday purchases in Sweden
Watchouts
Cons
- Cashback rate is modest at 0.5%
- Best travel value is mainly for Norwegian flight 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 | re:member flex |
|---|---|---|
| Bank/provider | Bank Norwegian | re:member |
| 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 |