Credit Cards

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

A credit card works in many ways like a regular debit card. The difference is that instead of having a bank account with your money linked to the card, you have a specific amount – a "line of credit" – that the bank has given you. You can spend freely within this amount, but remember that the money is a loan from the bank. Therefore, you receive an invoice for the amount you use which must be paid. You can choose to pay only part of the invoice on what you owe – known as "partial payment" – or you can pay the full amount you have spent. If you pay the amount in full, you avoid paying interest rates on the money you owe.

You get the best credit card tailored to you through our customer programmes. See our best credit cards and apply here.

In order for us to carry out a responsible credit assessment, we are required to calculate your debt-servicing capacity. Credit reference agencies perform such calculations based on information you have provided in this application, as well as statistical information and market data that they collect and process. Such information includes, for example, living expenses, housing and electricity costs, car expenses, etc.

If you have selected the 15th as your due date, you will receive an invoice for everything you have used the card for in the previous month. The invoice is produced approximately 15 days before the due date. If you use the card the day after invoicing, you will have 45 interest-free days, or 'interest-free credit'. If you use the card the day before, you will have 15 interest-free days.

Mastercard credit cards have no annual fee and purchases are free of charge. This makes a credit card a smart way to shop, as long as you pay the loan on time.

Prices for using a credit card can be found in our price list.