Credit cards

Our best credit cards are for people who have or want to have a card with a customer loyalty programme. Apply for a credit card here.

In many ways, a credit card works in the same way as a normal debit card. The difference is that instead of having a bank account with your money connected to the card, you have a certain amount – a “credit limit” – which the bank has given you. You can spend freely within this amount, but remember that the money is a loan from the bank. You therefore get a bill for this amount you’ve spent, which must be paid. You can choose to pay only parts of the amount you owe on the bill – a so-called “partial payment” – or you can pay off the full amount you have used. If you pay off the full amount, you will not have to pay expensive interest rates on the money you owe.

You’ll get the best credit cards adapted to you through our customer programmes. See our best credit cards and search here.

In order to make a well-founded credit assessment, we are obliged to perform a calculation of your debt-servicing capacity. Credit information agencies perform these calculations based on information that you have provided in this application, as well as statistical information and market data that they collect and process. This information includes livelihood, housing and electricity costs, car expenses etc.

If you have chosen a due date of the 15th, you will receive a bill for everything you have spent on the card in the preceding month. The bill is produced around 15 days before it is due. If you use the card the day after the bill date, you will have 45 interest-free days, or “interest-free credit”. If you use the card the day before, you’ll get 15 days’ interest-free credit.

Mastercard credit cards have no annual fees and purchase of goods is free of charge. This makes a credit card a smart way to shop, as long as you pay off the balance in time.

Prices for using credit cards can be found on our price list.