Interest-free credit, payment-free months and instalments

You have up to 56 days to pay on your monthly invoice, so you have time to go through it in peace and quiet before you pay. If you pay the invoice in full (the balance of the period), there will be no interest or extra fees.

You can use up to two payment-free months per calendar year (not consecutively) if you have made at least three monthly payments before. To use a payment-free month, you simply do not make a payment that month. Interest and administration fee will then be added the next month.

You can make your purchase and decide afterwards whether you want to pay in installments. In the credit card portal, you can change purchases over SEK 1,000 to partial payment within the same month as you made the purchase. Note that 31 January 2025 is the last day to change purchases made with the yellow card for partial payment.

In the credit card portal, you also see all current discounts and offers, your invoices and transactions. You can also open and close the card for different regions and internet purchases as well as apply to increase your credit.

Sometimes you may need to make an extra installment on your debt on your credit card. It is easily arranged with a regular bill payment.

This is how you do it

Make a Plusgiro or Bankgiro payment to one of the Bankgiro or Plusgiro numbers below. For reference, you state the OCR number that is stated on your invoice.

• Bankgiro: 318-9602
• Plusgiro: 4876402-1

It normally takes 2-3 business days for the payment to arrive on your card.

Let more people in the family take part in the benefits, for SEK 100 per year/card. You get the same terms and benefits as the main card.

Apply for more cards in the Credit Card Portal.

You can use your card credit and transfer money directly to your bank account. In the Credit Card Portal you can see what amount you have available, here you will also find a form for transfer. The withdrawal will be visible on the next invoice, you then choose how you want to pay.

It can be good to have an extra buffer on your credit card in case something unexpected happens and you should have unforeseen expenses. Apply for increased purchasing space online in the Credit Card Portal and get an answer immediately. If the application is approved, your extended purchasing space will become available. Applying for increased purchasing space does not cost anything extra.