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Credit cards

Cards that give you flexibility and benefits when used correctly.

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  • Benefits and discounts

  • Interest-free credit

  • Secure shopping

See our credit cards

Price example Pluss Mastercard: nominal rate 18.60%, APR 20.27%, NOK 30 000 over 12 months. Cost: NOK 3 108. Total: NOK 33 108

What is a credit card?

A credit card is a payment card that lets you defer payments. That is, you use the bank’s money, not your own. The deferral is given as a loan, also called “credit”, which is interest free for up to 45 days. As long as you pay what you owe in full before the due date, using a credit card incurs no additional costs. Also, you can enjoy many benefits from using a credit card.

Our credit cards are provided by Mastercard, which is connected to the world’s largest payment network. This way you are always able to pay!

How credit cards work

Customer adviser Margrethe explains what benefits a credit card provides and how to use it sensibly.

Advantages of a credit card

If you can pay back what you’ve spent before the interest is applied, paying with a credit card is profitable.

Benefits and discounts

With a DNB credit card, you get access to a number of discounts and other benefits when you use it, such as charging your electric vehicle and buying at petrol stations. You can also order Mastercard Upgrade to earn SAS Eurobonus points, get excess insurance for rental cars and price matching on product purchases.

Interest-free credit

One benefit of using a credit card is the interest-free payment deferral that is offered. Using a credit card is borrowing money from the bank, but if you pay back everything you owe before the bill falls due, you don’t have to pay interest on the amount you’ve used. In effect, you’re shopping with the bank’s money and settling up afterwards.

Partial payments

When you receive your bill detailing the money you’ve spent on your credit card, you can choose to pay off all or parts of the amount due. Credit cards give you the chance to defer payments, which can be helpful if you incur an unexpected large cost.

Correct use of credit cards

We recommend that you become familiar with how to use a credit card. Remember that you make the most of the benefits and discounts by paying off everything you owe before the due date.

Read more about smart card use

Discount on charging

When you pay with Mastercard from DNB you get a discount on charging your electric vehicle.

  • Electric vehicle charging discount

Discount at petrol stations

Applies to everything you buy at petrol stations with Mastercard from DNB.

Online shopping

Credit cards makes it slightly more secure to buy online.


Are you planning a trip? If you pay more than half of the travel costs with your credit card, you can get single-trip insurance included with your purchase.

You can also buy payment insurance, which covers expenses on your credit card, and can ultimately clear your balance.

Secure shopping

Did you know that in the event of fraud, and if you want to complain about a purchase, you have more rights and easier solutions when using a credit card?

When you use your credit card, you defer the payment. You also get a bill where you can check whether what you owe coincides with the product supplied, for example with online shopping. Since the credit card is not connected to your current account, neither is your money at risk when you use the card.

You can easily complain and raise queries about card transactions related to:

  • Unrecognised transactions
  • Products and services you haven’t received
  • Incorrect product received
  • Fake products
  • Follow-on charges
  • Duplicate charges or incorrect amounts

Upgrade your card

Earn EuroBonus points and get more attractive benefits.

Financial security

Secures your finances should the unexpected happen.


No annual fee

The usage prices are specified in the price list.

How much does it cost to have a credit card?

Mastercard has no annual fee and there are no charges for product purchases. This makes a credit card a smart way to shop, as long as you pay off the balance in time.

Need any help?

Answer to frequently asked questions and other useful tips on cards and PIN codes.

Questions and answers about credit cards

Credit card adapted to you

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