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60 interest free days
Travel Rewards
Low Annual Fee
Lufthansa Miles & More Credit Card
★★★★★
Borrowing costs money. 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.
Alternatives to Lufthansa Miles & More
While the Lufthansa Miles & More World Credit Card offers a range of benefits for frequent flyers, it’s essential to consider other options available in the market to ensure you find the card that best fits your travel habits and financial needs. Exploring alternatives can provide insights into different reward structures, fee schedules, and additional perks that might be more aligned with your specific preferences.
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.
Example: Utilized credit SEK 20,000 repaid over 12 months with monthly payments of SEK 2,021. Arrangement fee SEK 420 and monthly fee SEK 100/month. Total amount to repay SEK 24,253. Effective interest rate 41.82%. Nominal variable interest rate 20% + reference rate, currently 22%. The card can only be used for purchases and cannot be used for gambling, cryptocurrency or cash withdrawals. Example dated 2026-03-17.
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.
Example: When paying the total debt, no interest is charged for purchases. If you use the credit, the annual interest rate is 16.9% (variable). The effective interest rate is 17.73% for a used credit of SEK 20,000. The annual fee is SEK 195, but it is free of charge for the first year. With e-invoice or direct debit, there is no administrative fee, while paper invoices or bank statements cost SEK 25/month. Extra cards cost SEK 50/year. Cash withdrawals are charged at 3% (minimum SEK 35), and the currency exchange surcharge is 1.65%. The credit limit is SEK 5,000 to SEK 100,000.
Example: For a credit of SEK 50,000 at 19.50% variable annual interest over 5 years with 60 repayments, a withdrawal fee of SEK 245 and an administrative monthly fee of SEK 29, the monthly payment is SEK 1,347, the total amount to repay is SEK 80,775 and the effective interest rate is 22.87%. Individual interest rate 7.90% – 21.90% and effective interest rate 9.71% – 29.34%.
Example: Qred VISA has 0 SEK set-up fee, 0 SEK annual fee and 0 SEK cost of payment excluding the invoice amount. Purchases can have up to 45 days without charge. If the monthly invoice is split, the company-specific interest starts from 1.95% per month. The minimum monthly payment is 5% or 500 SEK. Foreign currency purchases use Visa's exchange rate plus a 2% currency conversion fee. Cash withdrawals and balance transfers cost 3% of the amount, minimum 35 SEK. Late payment fee is 200 SEK and delay interest is 2.5% per month. Paper invoice costs 30 SEK. Qred offers 1% cashback and free cards for up to 3 employees. Pricelist valid from 2026-05-06.
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)
Example: The effective interest rate is 19.85% when paying by e-invoice (23.57% with paper invoice) for a utilized credit amount of SEK 20,000, repaid over 1 year (2025-02-01).
*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.
*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, upp.avg 97 SEK, adm.avg 39 SEK/month, effective interest 3.85%. Total amount: 15,331 SEK. Divide 1/20: Credit 15,000 SEK, upp.avg 0 SEK, adm.avg 39 SEK/month, credit interest 23%, effective interest 29.25%, incl. annual fee 0 SEK. Total amount: 20,577 SEK. The total amount assumes that you pay 1/20 of the debt each month and make the final payment in month 20.
Rate example: Effective interest rate 13.50% for utilized credit of 20,000 SEK repaid over 1 year (2025-10-01).
Borrowing costs money!
If you cannot repay your debt in time, you are in the risk of receiving a record of non-payment. Having a record of non-payment means that you could experience difficulties to rent an accommodation, take out a subscription or being granted new credits. For support, please contact a Budget and Debt Advisor in your municipality. You can find contact details at konsumentverket.se.
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Top Pick: Re:member Flex Credit CardCredit limit up to 120 000 kr. Up to 56 interest-free days.
The Lufthansa Miles & More World is a Travel Credit Card is tailored for frequent travelers, offering a suite of benefits that cater specifically to their needs. It’s an ideal choice for individuals who prefer to earn rewards on their travel expenses, providing bonuses, upgrades, and lounge access that enhance the travel experience.
In Sweden, this card stands out for its ability to accumulate points on everyday purchases, which can be redeemed for various travel-related perks. It’s a practical tool for those who frequently fly with Lufthansa or its partner airlines, aiming to make each journey more rewarding and comfortable.
Benefits of Lufthansa Miles And More Card
The Lufthansa Miles & More World Credit Card offers an array of benefits that appeal to travelers seeking to enhance their journey while accruing valuable rewards. Upon signing up, cardholders are greeted with an enticing 15% discount at the Lufthansa store, setting the stage for a series of advantages that come with the card’s usage. The card’s unique value proposition lies in its tiered membership system, which rewards loyal customers with increasingly attractive perks.
Cardholders are enrolled in the “Status Stars” program, where sustained membership and consistent travel can lead to greater rewards. This program is structured to reward frequent travelers, with the accumulation of stars tied to daily points earned through the card. These points are then translated into stars, each tier offering distinct benefits and exclusive opportunities, like special invitations to events such as Paris Fashion Week.
List of Benefits:
Introductory Offer: 15% discount at the Lufthansa store upon card acquisition.
Status Stars Program: Earn stars based on daily points to unlock unique offers and experiences.
Membership Tiers: Different tiers, such as Frequent Traveler, Senator, and HON Circle, each offering increased daily points accumulation.
Star Conversion Rates: Points convert to stars at various thresholds, starting from 5,000 points for one star up to 25,000 points for five stars.
Partnership Perks: Ability to convert points from partner loyalty programs into Award miles, accelerating the rewards accumulation process.
While the card is competitive in its offerings, it’s important to note that the full spectrum of benefits is tier-dependent, with the most exclusive perks reserved for higher-tier members. This structure emphasizes the value of loyalty and frequent usage for cardholders looking to maximize their travel benefits.
Requirements
To be eligible for the Lufthansa Miles & More World Credit Card in Sweden, applicants must meet certain criteria that ensure they are capable of managing this financial product responsibly.
Registered residency in Sweden
At least 18 years old
Minimum annual income of 120,000 SEK
No payment remarks
Interest Rates & Fees
The Lufthansa Miles & More World Credit Card presents a competitive financial structure, especially when it comes to interest rates and fees, tailored to accommodate frequent travelers. While its interest rates are on the higher side, they remain competitive within the travel card segment, particularly when considering the card’s benefits.
The card offers an attractive feature of 60 interest-free days, the maximum available, providing ample time for repayments without incurring interest. The effective interest rate stands at 20.40%, with a nominal interest rate of 16.32%. For example, borrowing SEK 25,000 and repaying it over 12 months at this rate would result in a total repayment of SEK 30,060, broken down into equal payments.
In terms of fees, the annual fee for the Lufthansa Miles & More World card is SEK 295, which is relatively low compared to its peers in the travel card category. The card also maintains standard fees for cash withdrawals and foreign transactions, which are important to consider for those who travel or make purchases abroad frequently.
Detail
Amount
Effective Interest Rate
20.40%
Nominal Interest Rate
16.32%
Interest-Free Days
60
Annual Fee
SEK 295
Currency Surcharge
1.97%
Cash Withdrawal Fee (Sweden)
2.97%, minimum SEK 35
Cash Withdrawal Fee (Abroad)
2.97%, minimum SEK 35
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Updated 11. May 2026
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