Mastercard Upgrade

• Earn 10 points in Norwegian currency and 15 points in foreign currency per NOK 100 spent
• 3,000 Welcome points
• Excess waiver insurance for hire cars, purchase protection and price protection – See policy conditions (PDF)

Price per month NOK 59 including VAT.
1 January 2027: NOK 79 per month

• Earn 10 points in Norwegian currency and 15 points in foreign currency per NOK 100 spent
• 3,000 Welcome points
• Excess waiver insurance for hire cars, purchase protection and price protection – see Policy conditions (PDF)

Price per month NOK 59 incl. VAT
1 January 2027: NOK 79 per month

• Earn 15 points in Norwegian currency and 20 points in foreign currency per NOK 100 spent
• 10,000 Welcome points
• Earn up to 30,000 tier points per calendar year
• Access to airport lounges worldwide with four complimentary visits for you and/or your guests
• Opportunity to become a member of Avis' President's Club at no extra cost
• Excess waiver insurance for hire cars, purchase protection and price protection – See policy conditions (PDF)

Price per month NOK 169 incl. VAT.
1 January 2027: NOK 219 per month

• Earn 15 points in Norwegian currency and 20 points in foreign currency per NOK 100 spent
• 10,000 Welcome points
• Earn up to 30,000 Tier points per calendar year
• Opportunity to become a member of Avis' President's Club at no extra cost
• Excess waiver insurance for rental cars, purchase protection and price protection – see policy conditions (PDF)

Price per month NOK 169 incl. VAT.
1 January 2027: NOK 219 per month

Remember that you as Private Banking customer has access to airport lounges in Norway and abroad.

• Earn 10 points in Norwegian currency and 15 points in foreign currency per NOK 100 spent
• 3,000 welcome points
• Excess waiver insurance for rental cars, purchase protection and price protection – See policy conditions (PDF)

Price per month NOK 59 incl. VAT.
1 January 2027: NOK 79 per month

No, you keep your Mastercard. We ensure that this is linked in our systems.

The first time you use your card after it has been upgraded, the welcome points will be activated. The welcome points are transferred to your SAS EuroBonus account at the first billing. Points are earned on all purchases where Mastercard is used in Norway, abroad and online.

Will I receive welcome points if I opt out and then opt back in to Mastercard Upgrade?

If you opt out of Mastercard Upgrade and then opt back in, you will not be entitled to new welcome points.

The exception is if you move from one customer programme to another. If you move from Pluss to SAGA, for example, you will receive new welcome points.

Here you can see your earned SAS EuroBonus points:

• Your monthly Mastercard statement
• In the online bank under transactions on the Mastercard
• In chat with our digital assistant, Aino, which you can find by clicking on "Contact"

In addition, you can see your total SAS EuroBonus points balance on the SAS EuroBonus member pages and in the SAS app.

• Cash withdrawals over the counter and at ATMs (cash machines).
• Transfers from Mastercard to account in online bank.
• Money transfers between individuals.
• Use of the card to pay bills or deferred payments through third-party payment solutions.
• Purchase of currency with associated fees or other costs related to such transactions.
• Purchase of bank drafts, cheques and traveller's cheques with associated fees or other costs related to such transactions.
• Costs and fees incurred in accordance with the terms and conditions for Mastercard such as, but not limited to, annual fees, interest rates, invoice fees, payment reminders, debt collection costs and legal costs.
• Use of Mastercard to purchase goods and services in business operations, with the exception of payments in connection with business travel, entertainment and minor employee events.
• Use of Mastercard that is not related to the purchase of goods and services for the account holder's personal use, or otherwise appears to be misuse.

See terms and conditions for further details.

EuroBonus points you earn with Mastercard are transferred to your SAS EuroBonus account once a month, upon invoicing.

For the points to be included on the next invoice, the purchase must be points-eligible and posted before invoicing.

Yes, you do. Points earned on any supplementary cards will be credited to the primary cardholder's Mastercard account.

If you receive a new Mastercard as a result of card renewal, the points will be carried forward to your new card.

If you receive a new Mastercard as a result of changing programme, Mastercard Upgrade will be carried forward. The monthly fee and points earning will be adjusted to the terms for the new Mastercard.

Access to lounge through Upgrade for SAGA Mastercard

If you have upgraded your Mastercard with Mastercard Upgrade, you automatically gain access to over 1,600 airport lounges worldwide with LoungeKey.

In the lounges you can eat, drink and relax when you are travelling. We cover the first four visits per year, and you choose whether to use them yourself or also for guests. Prices for additional visits and guests are stated inThe price list.

How to access LoungeKey

• State that you are a LoungeKey customer and swipe your physical SAGA Mastercard
• If you do not state that you are a LoungeKey customer, you will not receive a free visit or the DNB price.

Important to know

• It may take up to two working days before LoungeKey access is active after Upgrade has been ordered
• It is not necessary to create an account or user with Mastercard Airport Experiences to access LoungeKey
• LoungeKey must not be confused with SAS lounges

Other offers

With the upgrade, you also get Mastercard Airport Experiences provided by LoungeKey, which means you gain access to more than 400 airports worldwide.

Mastercard Airport Experiences can be downloaded from App Store or Google Play for an easy overview of lounges available at the airport, how to get there and the services on offer.

Register in the app to see which lounges you have access to.

Registration is not a requirement to enter the lounge.

LoungeKey has open customer service 24/7. If you cannot access the lounge or have other questions, you can call +44 20 86 33 75 96 for help.

Tier points apply to you with SAGA or Private Banking Mastercard and have three levels:

1. If you use Mastercard for more than NOK 100,000 per calendar year, you will receive 10,000 tier points transferred to your EuroBonus account.

2. If you use Mastercard for more than NOK 200,000 per year, you will receive an additional 10,000 tier points.

3. If you use Mastercard for more than NOK 500,000 per calendar year, you will receive 10,000 extra tier points.

You can therefore earn up to 30,000 EuroBonus tier points per calendar year.

EuroBonus tier points provide the opportunity to upgrade your SAS EuroBonus membership level, but cannot be used for travel, goods or services within the EuroBonus programme.

The tier points will be transferred to your SAS EuroBonus account at the first billing after the turnover target is reached. Remember that the purchases must be point-earning and posted before billing.

Tier points count per calendar year and must be posted by the end of the year.

The insurance covers the excess cost in the event of a claim on a hire car and applies regardless of where in the world you are, as long as you as a private individual have hired the car from a professional car hire company.

Make sure that you as the cardholder are listed as the hirer of the car so that the insurance is valid. The insurance does not apply if you are younger than 21 years old and hire the car.

With Mastercard Upgrade, it is extra safe to shop on the internet. Have you paid for an item but not received it within 90 days? Then we will in principle cover the amount. See the terms and conditions for cover.

Be aware that this insurance does not cover loss or claims whilst the item is being sent by post or courier service.

You are free to cancel your Mastercard Upgrade at any time. Contact us and we will help you.

SAS EuroBonus terms and conditions

Pluss, Ung (Young Adults) and DNB Mastercard

Terms and conditions for Mastercard Upgrade SAS EuroBonus points (PDF, Norwegian)Open the file in a new tab

Policy conditions for Mastercard Upgrade (PDF)

SAGA and Private Banking Mastercard

Terms and conditions for Mastercard Upgrade SAS EuroBonus points (PDF, Norwegian)Open the file in a new tab

Policy conditions for Mastercard Upgrade (PDF)

Cancellation form (PDF)

When you need to use the insurance in Mastercard Upgrade, report the insurance claim as soon as possible to the insurance provider by telephone +47 67 55 25 00, email dnbkort@crawco.no Or by letter to the following address:

DNB Bank Credit Card Claims, Crawford and Company, PO Box 133, 1300 Sandvika.