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Lufthansa Miles And More Credit Card Sweden

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Lufthansa Miles & More Credit Card

Lufthansa Miles And More Credit Card Sweden

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.


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.

Effective Interest Rate20.40%
Nominal Interest Rate16.32%
Interest-Free Days60
Annual FeeSEK 295
Currency Surcharge1.97%
Cash Withdrawal Fee (Sweden)2.97%, minimum SEK 35
Cash Withdrawal Fee (Abroad)2.97%, minimum SEK 35

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.

Credit Card Bank Norwegian


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Example: The variable credit interest rate is 21.99% (Feb 2024). The annual fee is SEK 0. Utilizing a credit of SEK 10,000 and repaying through 12 payments of SEK 936 over 12 months, the effective interest rate is 24.35%. The total amount to be repaid is SEK 11,233.

Resurs Gold Credit Card

resurs gold credit card

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*Example: Credit SEK 15,000, interest-free installment for 6 months, 6 installments of SEK 2,500 each, admin fee SEK 39 + setup fee SEK 97, effective interest rate 3.65%, excluding annual fee SEK 245. Total amount SEK 15,331.

Resurs Classic


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*Example: Credit SEK 10,000, interest-free installment for 6 months, 6 installments of SEK 1,667 each, admin fee SEK 39 + setup fee SEK 97, effective interest rate 5.82%. Total amount SEK 10,331..

Swedbank Credit Card


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*Example: Total credit amount EUR 1,500. Term 1 year. APR 21.7%. Fixed debtor rate 18%. Monthly service fee EUR 1.44. Card issuance fee as set by the Bank. Total repayment EUR 1,670.90.

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Kristian Ole Rørbye

Af Kristian Ole Rørbye