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SAS EUROBONUS Credit Card Sweden

60 interest free days

Travel Rewards

Low Annual Fee

SAS EUROBONUS Credit Card

SAS Credit Card Sweden

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If you are unable to repay your debt on time, you risk getting a payment default. This can make it harder to rent a home, sign contracts, or obtain new loans. For support, contact the municipal budget and debt counselling service. You can find contact information at konsumentverket.se.

The SAS EuroBonus Credit Card allows individuals in Sweden, regardless of their travel frequency, to accumulate EuroBonus points on all purchases, whether made in-store, online, or abroad. These points can then be utilized for various rewards, including flights, car rentals, and hotel stays.

Available in co-branded options with American Express or Mastercard, this card provides flexibility and choice, ensuring an option fits every lifestyle and spending habit. Whether you’re a frequent traveler looking to maximize your rewards or someone seeking value on everyday purchases, these travel credit cards presents a compelling choice.

Alternatives to SAS EUROBONUS Credit Cards

Exploring other credit cards can provide a broader perspective on available rewards, fees, and additional perks.

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Travel Favorite
Max Limit 150 000 kr
Annual Fee 0 kr
Interest Rate 22%
Interest-Free Up to 45 days
Card TypeVisa
Min. Age18 years
Min. Income0 kr/yr
Effective Interest24.36%
Currency Fee1.99%
Withdrawal Fee0%
Invoice Fee45 kr
Reminder Fee60 kr
Late Payment Fee95 kr
Overdraft Fee0 kr
First Year FreeYes
Free Extra CardNo
Defaults AllowedNo
Apple PayYes
Google PayYes
Samsung PayYes
Apply Now
Example: The credit interest rate is 22.00%. The annual fee is SEK 0. When using a credit of SEK 10,000 with repayment through 12 monthly payments of SEK 936, the effective interest rate is 24.36%. The total amount to be repaid is SEK 11,231. The example is calculated in January 2026 and the interest rate is variable.
Good for Rewards
Max Limit 150 000 kr
Annual Fee 395 kr
Interest Rate 16.9%
Interest-Free Up to 50 days
Card TypeMastercard
Min. Age18 years
Min. Income0 kr/yr
Effective Interest18.99%
Currency Fee1.65%
Withdrawal Fee3.00% (min. 35 SEK)
Invoice Fee25 kr
Reminder Fee60 kr
Late Payment Fee95 kr
Overdraft Fee75 kr
First Year FreeYes
Free Extra CardNo
Defaults AllowedNo
Apple PayYes
Google PayYes
Samsung PayYes
Apply Now
Example: For a credit amount of SEK 100,000 with a variable annual interest rate of 10.65%, an 8-year term (repayment period), 96 repayments, an arrangement fee of SEK 0 and a notice fee of SEK 10 (when paying by direct debit), the effective interest rate is 11.39%. The regular monthly amount to be paid is SEK 1,562 and the total amount to be paid is SEK 150,852. The example, which is calculated on 2025-05-23, assumes that interest and fees are unchanged throughout the credit period. Rounding is applied to the nearest higher krona. The interest rate is variable and can vary from 6.65% – 17.69%, which means that the effective interest rate can vary from 6.89% – 20.14%. The effective interest rate is calculated in accordance with the Swedish Consumer Agency’s guidelines.
Max Limit 100 000 kr
Annual Fee 225 kr
Interest Rate 16.74%
Interest-Free Up to 55 days
Card TypeMastercard
Min. Age18 years
Min. Income12 504 kr/yr
Effective Interest14.75% – 19.27%
Currency Fee0%
Withdrawal Fee2.00% (min. 40 SEK)
Invoice Fee29 kr
Reminder Fee60 kr
Late Payment Fee100 kr
Overdraft Fee125 kr
First Year FreeNo
Free Extra CardNo
Defaults AllowedNo
Apple PayYes
Google PayYes
Samsung PayNo
Apply Now
Example: The effective interest rate is 16.73% when paying with e-invoice (20.37% with paper invoice) for a utilized credit of 20,000 SEK repaid over 1 year (2025-03-08)
Max Limit 150 000 kr
Annual Fee 245 kr
Interest Rate 22.37%
Interest-Free Up to 60 days
Card TypeMastercard
Min. Age18 years
Min. Income0 kr/yr
Effective Interest33.67%
Currency Fee1.97%
Withdrawal Fee2.97% (min. 35 SEK)
Invoice Fee39 kr
Reminder Fee60 kr
Late Payment Fee0 kr
Overdraft Fee0 kr
First Year FreeNo
Free Extra CardNo
Defaults AllowedNo
Apple PayYes
Google PayYes
Samsung PayNo
Apply Now
*Example for the installment payment options 6 months interest-free and 20 months installment payment. The examples below are calculated based on purchases made on the first day of the month. We offer several different payment options. 6 months interest-free: Credit 15,000 SEK, 6 installment payments of 2,500 SEK, uppl.avg 97 SEK, adm.avg 39 SEK/month, effective interest 5.35%, incl. annual fee 245 SEK. Total amount: 15,576 SEK. Divide 1/20: Credit 15,000 SEK, uppl.avg 0 SEK, adm.avg 39 SEK/month, credit interest 22.37%, effective interest 30.67%, incl. annual fee 245 SEK. Total amount: 21,005 SEK. The total amount assumes that you pay 1/20 of the debt each month and make the final payment on month 20.
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Top Pick: Credit Card Bank Norwegian Credit limit up to 150 000 kr. Up to 45 interest-free days.
Apply Now

Interest and Fees

The SAS EuroBonus Credit Card offers various options with different structures of interest rates and fees, tailored to suit different spending habits and reward preferences.

Here’s a breakdown of the interest and fees associated with the different versions of the card:

SAS Amex Classic Classic (SE):

  • Annual Fee: 0 SEK
  • Nominal Interest Rate: 17.99%
  • Effective Interest Rate: 20.50% for a credit of 95,000 SEK over 12 months
  • Total Repayment: 112,011 SEK

SAS Amex Classic Premium (SE):

  • Monthly Membership Fee: 100 SEK
  • Nominal Interest Rate: 17.99%
  • Effective Interest Rate: 21.79% for a credit of 125,000 SEK over 12 months
  • Total Repayment: 148,584 SEK

SAS Amex Classic Elite (SE):

  • Monthly Membership Fee: 400 SEK
  • Nominal Interest Rate: 17.99%
  • Effective Interest Rate: 25.50% for a credit of 165,000 SEK over 12 months
  • Total Repayment: 200,546 SEK

SAS EuroBonus World Mastercard (SE):

  • Annual Fee: 258 SEK for the first year (normally 515 SEK/year)
  • Nominal Interest Rate: 17.98%
  • Effective Interest Rate: 19.27% for a credit of 40,000 SEK over 12 months
  • Total Repayment: 47,108 SEK

SAS EuroBonus World Mastercard Premium (SE):

  • Annual Fee: 1855 SEK for the first year (then 2335 SEK/year)
  • Nominal Interest Rate: 17.98%
  • Effective Interest Rate: 21.60% for a credit of 60,000 SEK over 12 months
  • Total Repayment: 71,744 SEK

Each card offers a different set of benefits and fees, allowing potential cardholders to choose the option that best aligns with their financial habits and reward preferences. Whether you opt for a card with no annual fee or one that offers more points per purchase, the SAS EuroBonus Credit Card provides flexibility and value in its offerings.

Benefits

The SAS EuroBonus Credit Card offers a multitude of benefits tailored to enhance the travel experience for its members. Perks escalate across its four membership tiers: Member, Silver, Gold, and Diamond. The number of Basic Points determines these levels earned or qualified flights with SAS/Widerøe, enhancing the travel experience as you ascend the tiers during your 12-month qualification period.

Member Level Benefits

  • Access to exclusive offers and discounts from SAS and partners.
  • Earn and redeem points on flights, hotels, car rentals, shopping, and more.
  • Point Sharing feature allows you to pool points with family and friends.

Silver Level Perks

  • Exclusive offers and unique ticket campaigns at least twice a year.
  • One extra checked bag (up to 23 kg) free of charge on SAS/Widerøe flights.
  • Priority check-in and a 5% discount on regular tickets booked with points.
  • Additional Baspoäng on flights and a 10% higher bid value for SAS Upgrade.

Gold Level Advantages

  • Two extra checked bags and priority boarding and baggage handling.
  • Fast Track security lane access and lounge access with a guest.
  • 10% discount on regular tickets for points and 25% additional Baspoäng on flights.
  • Various other privileges like free seat selection, priority customer service, and no points expiration.

Diamond Level Exclusive Benefits

  • Even more exclusive offers and access to events, along with all Gold level benefits.
  • Ability to gift a Gold and Silver membership to others.
  • Free onboard drinks in SAS Go, and the possibility of free rebooking on the day of departure.
  • No booking fees for SAS bonus trips and additional Star Alliance Gold benefits.

These tiered benefits make the SAS EuroBonus Credit Card a comprehensive option for travelers seeking to enrich their flying experience and maximize the value from their travel-related spending.

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