Question 1

How do I apply for a credit card?

Accepted Answer

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

Question 2

How does a credit card work?

Accepted Answer

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.

Question 3

Which credit card is best?

Accepted Answer

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

Question 4

Why do you carry out a credit assessment of me?

Accepted Answer

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.

Question 5

What is 45 days' interest-free payment deferral?

Accepted Answer

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.

Question 6

What does it cost to have a credit card?

Accepted Answer

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.

Question 7

How do I order an additional card?

Accepted Answer

If you wish for your cohabitant/spouse to be able to use your credit card, you can apply for this here:

Application for Mastercard Additional Card

Download the form and fill it in. Both parties must sign and then the form must be submitted. The return address is stated on the form.

	DNB Mastercard	Ung (Young Adults) Mastercard	Pluss Mastercard	SAGA Mastercard	Private Banking
Customer programme at DNB
No annual fee
Up to 45 days interest-free credit
Travel insurance included
Extra fuel and charging discount Circle K Extra
Discount at petrol stations	1 %	1,5 %	1,5 %	2 %	2 %
Charging discount for electric vehicles	6 %	8 %	8 %	10 %	10 %
Opportunity to earn EuroBonus points	59 kroner per month	59 kroner per month	59 kroner per month	NOK 169 per month	NOK 169 per month
Option for payment protection insurance	0.4% of balance	0.4% of balance	0.4% of balance	0.4% of balance	0.4% of balance
Effective interest rate	23.78%	20.27%	20,27 %	19,56 %	19,56 %

Credit Cards

What is a credit card

Credit Cards at DNB

Benefits of Credit Cards

Financial peace of mind

Questions and answers about credit cards

DNB Credit Card

Ung (Young Adults)

Pluss

SAGA

Private Banking

DNB Mastercard

Help and guidance