Nordea Platinum Credit Card
In November 2025, Nordea introduced the new Platinum credit card, which replaces the previous Premium Mastercard designed for Premium customers. Nordea Platinum is among the bank’s first credit cards with a cashback feature. Platinum clearly sits at the top of Nordea’s card lineup, although Nordea Black still ranks above it.
Nordea Platinum blends premium-level perks, such as airport lounge visits and Fast Track services, with everyday convenience. This was a long-awaited refresh from Nordea, as the bank’s previous card range had been fairly standard. Like Nordea’s other credit cards, Platinum runs on the Mastercard network, so it’s accepted at nearly all card-accepting merchants.
Nordea Platinum Benefits
Core Features
Nordea Platinum Mastercard is a combo card that lets you make purchases either on credit or directly from a Nordea bank account. Cashback accrues only when you pay from the credit line. Using credit does not add fees if you pay the statement by the due date, giving roughly 30 days of interest-free payment time.
The credit limit is higher than average — at least €10,000 and up to €42,100. The interest rate is 3-month Euribor plus a 9.5% margin, which is competitive for a credit card. There is no account management fee on the credit, a notable advantage since many other cards raise the effective annual rate through that fee.
You can add the K-Plussa feature to the card.
Cashback
Nordea Platinum is a cashback card that gives a rebate on every purchase made on credit. The base rebate is 0.5% on all credit purchases, and non-euro currency transactions earn 0.7%. Cashback appears directly in card transactions in online and mobile banking and is automatically deducted from the credit card bill.
Read more about cashback cards.
The annual cashback cap is €150, which corresponds to about €30,000 in yearly spending.
Lounge Visits and Fast Track
Nordea Platinum cardholders receive six free lounge visits per year through the Priority Pass network. The card also includes a Fast Track benefit that lets you use dedicated security lanes at selected airports, such as Helsinki Airport. Activate lounge benefits in the Priority Pass app, and enable Fast Track via the Mastercard Travel Experiences app.
Additional lounge visits cost €30.A travel companion can also use the lounge benefit, but each entry reduces the pool by one visit. Entering together uses two visits.
Travel Insurance
The travel insurance on the Nordea Platinum card is underwritten by Tryg. It is exceptionally comprehensive. Coverage limits are high, and deductibles are low. The insurance is valid even if the trip was paid for with a different card. This removes uncertainty about coverage.
Beyond international trips, the insurance also covers domestic travel, protecting both weekend getaways and longer holidays. This sets the card apart from many mid-tier options that typically require you to pay at least part of the trip with the card to be eligible for claims.
Purchase Protection
Nordea Platinum includes purchase protection insurance that automatically applies for 180 days when you use the card to buy an item worth at least €100 for your home or holiday property. It provides extra protection for products purchased in the Nordic countries, covering damage or breakage. The insurer is Tryg.
Apple and Google Pay
Nordea Platinum supports contactless payments via both Apple Pay and Google Pay so that you can pay easily without a physical card. A phone or smartwatch is enough. We also recommend checking out Curve Pay, which offers an even more versatile mobile wallet experience. Adding the Nordea Platinum card to it takes just a moment.
Mastercard Priceless
We have barely used the Mastercard Priceless program because its benefits seem fairly limited in Finland. It is Mastercard’s own perks program, offering cardholders access to presale concert tickets, reserved seats, and other rotating experiences via priceless.com. The program is included automatically with the Nordea Platinum card, so you can access its benefits when using the card.
Security and Everyday Use
The Nordea Platinum card offers standard yet high-quality security features with easy controls. The card uses modern chip (EMV) technology to keep payments secure and protect against misuse. Contactless lets you pay for small purchases quickly and easily without a PIN. For security, a PIN may still be required periodically or for larger transactions. You can manage and change your PIN easily in Nordea’s mobile and online banking.
You can manage the card in real time in Nordea’s mobile app. For example, you can block or allow online payments, adjust spending limits, turn on or off contactless payments, and track transactions in near-real time. You can also freeze or close the card immediately if it is lost or compromised.
Nordea Mobile is an exceptionally clear app.
You can set custom usage limits, such as maximum amounts for purchases and cash withdrawals. You can also restrict card use by country — for example, allow use only in selected countries or block it entirely in certain regions. You can change these settings easily in Nordea’s app, and the changes take effect almost immediately.
Pricing by Customer Segment and Campaign Period
Nordea is running a campaign for Platinum with a €0 monthly fee until 30.4.2026. After the campaign, the card is part of a service package, and pricing depends on your relationship: €5.99 per month for Premium customers, €16.99 per month for others, and no monthly fee for Private Banking customers .
Use Abroad
Thanks to Mastercard’s broad acceptance, Nordea Platinum works smoothly at stores and ATMs worldwide. Purchases outside the euro area earn 0.7% cashback, up from 0.5%, primarily benefiting frequent travellers. Note, however, that the 2.25% foreign exchange fee significantly reduces the value of this benefit.
Who Is Nordea Platinum For?
Nordea Platinum suits leisure travellers who value lounge access, expedited security, and travel insurance without restrictive payment conditions. The benefits also work well at home: you earn cashback on all credit-side purchases, and the insurance covers domestic trips too. The card is an excellent choice for Premium customers seeking broader travel perks and for Private Banking customers, who value the lack of a monthly fee.
According to Nordea, applying for the card requires being of legal age, permanent residence in Finland, regular income, and well-managed finances.
Nordea Platinum vs. Competitors
Nordea Platinum mainly competes with other banks’ premium-tier Mastercard and Visa cards and with American Express Platinum. American Express emphasises its points program and broad benefits. In contrast, Nordea Platinum is the first Nordea card to offer practical cashback that accrues transparently and is credited directly to the bill.
Mastercard’s acceptance in Finland and many other countries is clearly broader than Amex’s, making Nordea Platinum easy to use even at smaller merchants. The lounge benefits are clearly defined, and Fast Track accelerates travel, making the card an appealing option for those who want a premium card without committing to the Amex ecosystem. While Nordea Platinum does not outperform Amex on features, its much lower price makes it a serious alternative.
There are also several no-monthly-fee credit cards on the market, such as Bank Norwegian Visa and Morrow Bank Mastercard. They offer cashback programs but do not include lounge benefits. These free cards are viable alternatives to Nordea Platinum, though their higher interest rates make them less appealing for credit purchases.
The closest paid competitor to Nordea Platinum is OP Visa, which offers similar features but in a more limited form.
Experiences With Nordea Platinum
We had just ordered the Nordea Platinum card, so we did not yet have actual usage experiences. The application process was standard but smooth, and Nordea quoted a delivery time of about two weeks. According to Nordea, you can add the card to your phone a few banking days after approval, so our first impressions would likely come from mobile payments, near-real-time transactions in the app, and enabling the Priority Pass benefit.
Rating
We gave the Nordea Platinum card a full five stars for its price class. It is a strong new entry that lifts Nordea’s premium cards to compete with Amex and other banks’ flagship cards. Cashback is a welcome update that delivers everyday value without extra effort. Lounge visits and Fast Track add value for travellers, and having travel insurance valid without a payment condition removes the classic pitfall of ending up ineligible for compensation. Thanks to the campaign, pricing was beautiful for consumers, and the ongoing monthly pricing by customer tier is also reasonable.
Bottom Line
Nordea Platinum is a modern premium-level credit card that combines cashback, lounge benefits, and comprehensive insurance at a beautiful price. It is a step forward in Nordea’s card lineup and an excellent alternative to Amex and other banks’ comparable premium cards. Notably, Nordea removed the payment-condition requirement from the travel insurance, a significant pitfall with many cards.
Nordea Platinum isn’t perfect either, but it offers exceptional value for money. We believe it suits everyday payments and travel alike very well. We hope it also brings more competition to the credit card market.