Nordea Credit

Nordea Credit is the best choice when there is an urgent need for additional funds to make a larger purchase, buy a gift, a travel or for other purposes. You can use the credit limit allocated by the bank, as well as transfer your funds to the card account.
Nordea Credit is a perfect choice for everyday life or while travelling. It is easy to use for the payments on the internet as well as at the point of sales in Latvia and abroad — without commission.


  • Bank cards issued after 01.09.2017 will be supplemented with a modern and very convenient advantage – contactless payment function, which allows paying for small purchases up to EUR 10 in the Baltic States without inserting the card into POS terminal and entering a PIN code.
  • The possibility to use the credit limit allocated by the bank, as well as transfer your funds to the card account.
  • Free purchase Insurance.
  • The possibility to make a cash deposit at any Nordea cash deposit ATM.
  • Payments on the internet as well as in the commercial areas in Latvia and abroad are without commission.
  • The opportunity to get discounts and special offers from cooperation partners.
  • For each purchase over 7 EUR on the internet or at the point of sales you will receive in your Points Savings Account the points that can be exchanged for various gift cards.  More about the Points Savings Account find here.

With Nordea Credit you can withdraw cash from the ATMs in Latvia and abroad. Commission is calculated according to the Price List.

General Terms and Conditions for International MasterCard and International Maestro Cards


General Terms and Conditions for Savings account of points

To get Nordea Credit, the following criteria should be met:

  • The applicant must be at least 18 years old.

If you wish a credit limit, then:

  • The client must  have regular income of at least EUR 450 after taxes and credit payment at banks.
  • Your liabilities at banks will be taken into account, such as leasing, other credit card credit limit, consumer loan.
  • Applicant must have received the salary in the account at Luminor Bank AS for at least 3 months.
  • Positive credit history.

Terms of the credit card

  • Currency of the credit card: EUR, USD.
  • Minimum credit limit: 150 EUR (you can also apply for the card without a credit limit).
  • Maximum credit limit: amount of two monthly salaries (up to EUR 12,000).

Repayment of the credit limit

  • The spent credit limit is covered by every incoming amount of funds to the credit card account. The interest rate shall be paid only for the credit limit part that you have spent.
  • Choose the most convenient credit limit repayment procedure. For example, by transferring a selected amount to cover the spent credit limit part on a specified date each month.
  • For your convenience, Nordea advises to process the scheduled payment. For example, on the last date of each month 50 EUR is automatically transferred from your current account to your credit card account.
  • Any amount can be transferred to your credit card account to cover the spent credit card limit more quickly.

Apply for the Nordea Credit:

  • Under Netbank section Applications — Application for credit card.
  • By calling the Contact Center at +371 67 096 096.
  • At any Customer Service Unit.