Which credit card is best in Norway?
What to compare, with DNB's prices as an example.
Short answer
No single credit card is best in Norway: compare the effective interest rate, fees and interest-free period, for example in Forbrukerrådet's Finansportalen comparison. At DNB, for example, effective rates range from 19.56 to 23.78 per cent, and purchases are interest-free for up to 45 days. Cash withdrawals on most of its cards cost NOK 40 plus 1 per cent.
Why
- Forbrukerrådet's Finansportalen has a credit card comparison and reminds users that prices for bank services vary a lot.
- DNB's Mastercard credit cards have no annual fee and include travel insurance, and the Ung card is for people aged 18–28.
- Credit cards are registered in Gjeldsregisteret, the register of unsecured consumer debt, as revolving credit.
Details
DNB's own example: NOK 30,000 over 12 months on Pluss Mastercard at an effective rate of 20.27 per cent costs NOK 3,108. Abroad, DNB adds a currency markup of 1.99 per cent to purchases and cash withdrawals. If you add the card to Vipps, you keep its benefits and bonus points.
Tip
Use the card for purchases rather than cash: at DNB, a cash withdrawal on Pluss Mastercard costs NOK 40 plus 1 per cent of the amount.
What may differ
Banks can have separate cards for young people with other terms, such as DNB's Ung Mastercard for ages 18–28.
People also ask
- Which credit card should I get in Norway?
Sources
- Forbrukerrådet: Finansportalen, bankChecked at:
- DNB: Credit cardsChecked at:
- DNB: Card pricesChecked at:
- Gjeldsregisteret: Debt information for individualsChecked at:
- Vipps MobilePay: Can I add several cards and accounts?Checked at:
Prices change, so check Finansportalen and the bank before you apply.
Bank cards and fees: how to pay lessRelated questions
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How do I find the IBAN for my Norwegian bank account?
You find the IBAN for your Norwegian account in your bank's online bank or app under the account details, and also on your account statement.
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Why did my hotel or car rental company block money on my card in Norway?
Hotels and car rental companies reserve money on your card as security, and the reservation is released once the final amount is settled.
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How do I pay a Norwegian invoice with a KID number from abroad?
To pay a Norwegian invoice from abroad, make an international transfer to the payee's IBAN and BIC and enter the KID number as the payment reference.
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Do Norwegian banks charge an annual fee for debit cards?
Yes, banks such as DNB charge an annual fee for an adult debit card, currently NOK 295 a year, while cards for children and young people are free.