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Revolut Card Sweden

Kristian Ole Rørbye · Updated 11. May 2026 ·

No Annual Fee

Travel benefits

Virtual Cards Available

Revolut Card Sweden

★★★★★

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.

Revolut offers a modern approach to banking with its entirely internet-based financial services accessible exclusively through its mobile app. Designed for the digitally savvy user, Revolut simplifies financial management by integrating various services directly on your smartphone, from handling daily transactions to engaging in foreign currency exchanges and investments.

With membership levels ranging from Standard to Premium and Metal, each offering tailored benefits, Revolut provides a versatile card solution that caters to diverse financial needs and lifestyles.

Alternatives to Revolut Cards

Borrowing costs money! If you cannot repay your debt in time, you are in the risk of receiving a record of non-payment. For support, please contact a Budget and Debt Advisor in your municipality. Contact details at konsumentverket.se.

Top Pick

Re:member Flex Credit Card

Max Limit 120 000 kr

Annual Fee 0 kr

Interest Rate 21.9%

Interest-Free Up to 56 days

Card TypeMastercard

Min. Age18 years

Min. Income150 000 kr/yr

Effective Interest8.10% – 19.84%

Currency Fee2.00%

Withdrawal Fee3.00% (min. 35 SEK)

Invoice Fee39 kr

Reminder Fee60 kr

Late Payment Fee125 kr

Overdraft Fee95 kr

First Year FreeYes

Free Extra CardYes

Defaults AllowedNo

Apple PayYes

Google PayYes

Samsung PayYes

Apply Now

Example: Effective interest rate 18.91% for utilized credit of SEK 30,000 repaid over 1 year (2025-07-01)

Travel Favorite

Credit Card Bank Norwegian

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.

Virtual

GF Card

Max Limit 30 000 kr

Annual Fee 0 kr

Interest Rate 22%

Interest-Free Up to 0 days

Card TypeVirtual Visa

Min. Age18 years

Min. Income0 kr/yr

Effective Interest41.82%

Currency FeeNot specified

Withdrawal FeeCash withdrawals not available

Invoice Fee0 kr

Reminder Fee0 kr

Late Payment Fee0 kr

Overdraft Fee0 kr

First Year FreeYes

Free Extra CardNo

Defaults AllowedNo

Apple PayYes

Google PayYes

Samsung PayNo

Apply Now

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.

Good for Rewards

Marginalen Traveller

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.

Good for Rewards

Marginalen Gold

Max Limit 100 000 kr

Annual Fee 195 kr

Interest Rate 16.9%

Interest-Free Up to 50 days

Card TypeVisa

Min. Age20 years

Min. Income120 000 kr/yr

Effective Interest17.73%

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: 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.

Credit Line

Northmill Credit Line

Max Limit 50 000 kr

Annual Fee 0 kr

Interest Rate 21.9%

Interest-Free Up to 0 days

Card TypePrepaid

Min. Age18 years

Min. Income0 kr/yr

Effective Interest9.71% – 29.34%

Currency FeeNot specified

Withdrawal Fee245 SEK withdrawal fee

Invoice Fee29 kr

Reminder Fee0 kr

Late Payment Fee0 kr

Overdraft Fee0 kr

First Year FreeYes

Free Extra CardNo

Defaults AllowedNo

Apple PayNo

Google PayNo

Samsung PayNo

Apply Now

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%.

Business

Qred Business Credit Card

Max Limit 2 000 000 kr

Annual Fee 0 kr

Interest Rate 23.4%

Interest-Free Up to 45 days

Card TypeBusiness

Min. Age18 years

Min. Income0 kr/yr

Effective InterestFrom 1.95%/month

Currency Fee2.00%

Withdrawal Fee3.00% (min. 35 SEK)

Invoice Fee0 kr

Reminder Fee0 kr

Late Payment Fee200 kr

Overdraft Fee0 kr

First Year FreeYes

Free Extra CardYes

Defaults AllowedNo

Apple PayYes

Google PayYes

Samsung PayNo

Apply Now

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.

Forex Credit Card

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)

MoreGolf Credit Card

Max Limit 160 000 kr

Annual Fee 295 kr

Interest Rate 18.24%

Interest-Free Up to 55 days

Card TypeMastercard

Min. Age20 years

Min. Income125 004 kr/yr

Effective Interest18.91%

Currency Fee1.65%

Withdrawal Fee3.00% (min. 45 SEK)

Invoice Fee35 kr

Reminder Fee60 kr

Late Payment Fee115 kr

Overdraft Fee105 kr

First Year FreeYes

Free Extra CardNo

Defaults AllowedNo

Apple PayYes

Google PayYes

Samsung PayYes

Apply Now

The effective interest rate is 18.91% when paying by e-invoice for a used credit of SEK 20,000 repaid over 1 year (September 2025).

COOP Credit Card

Max Limit 150 000 kr

Annual Fee 295 kr

Interest Rate 18.8%

Interest-Free Up to 55 days

Card TypeMastercard

Min. Age20 years

Min. Income150 000 kr/yr

Effective Interest19.45%

Currency Fee1.75%

Withdrawal Fee1.50% (min. 35 SEK)

Invoice Fee29 kr

Reminder Fee60 kr

Late Payment Fee100 kr

Overdraft Fee105 kr

First Year FreeYes

Free Extra CardYes

Defaults AllowedNo

Apple PayYes

Google PayYes

Samsung PayYes

Apply Now

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).

Resurs Gold Credit Card

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.

Resurs Classic

Max Limit 30 000 kr

Annual Fee 0 kr

Interest Rate 23%

Interest-Free Up to 60 days

Card TypeMastercard

Min. Age18 years

Min. Income0 kr/yr

Effective Interest29.25%

Currency Fee1.97%

Withdrawal Fee2.97% (min. 35 SEK)

Invoice Fee39 kr

Reminder Fee60 kr

Late Payment Fee145 kr

Overdraft Fee145 kr

First Year FreeYes

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, 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.

Swedbank Credit Card

Max Limit 100 000 kr

Annual Fee 195 kr

Interest Rate 13.55%

Interest-Free Up to 55 days

Card TypeMastercard

Min. Age18 years

Min. Income125 004 kr/yr

Effective Interest13.50%

Currency Fee1.65%

Withdrawal Fee3.00% (min. 45 SEK)

Invoice Fee0 kr

Reminder Fee60 kr

Late Payment Fee100 kr

Overdraft Fee105 kr

First Year FreeYes

Free Extra CardYes

Defaults AllowedNo

Apple PayYes

Google PayYes

Samsung PayYes

Apply Now

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.

All cards shown

Top Pick: Re:member Flex Credit Card Credit limit up to 120 000 kr. Up to 56 interest-free days.

Apply Now

Interest and Fees for Revolut Credit Cards

Revolut operates differently from traditional banks by offering debit cards rather than credit cards, which influences its structure of interest and fees. Here’s a detailed look at the fees associated with the various Revolut card tiers—Standard, Premium, and Metal:

Revolut Standard

Annual Fee: 0 SEK (no yearly cost)
Currency Exchange Fee: No charge for currency exchange up to a monthly limit, after which a small fee applies.
ATM Withdrawals: Free withdrawals up to a specified monthly limit (e.g., 2,000 SEK), with a fee charged on amounts above this limit.

Revolut Premium

Monthly Fee: 76.99 SEK
Currency Exchange Fee: Unlimited currency exchange without additional fees.
ATM Withdrawals: Free withdrawals up to a higher monthly limit (e.g., 4,000 SEK) compared to the Standard card, with a fee applied above this threshold.
Additional Benefits: Includes travel insurance, increased withdrawal limits, and access to airport lounges through LoungeKey at a cost of 22 GBP per visit.

Revolut Metal

Monthly Fee: 139.99 SEK
Currency Exchange Fee: Unlimited free currency exchange.
ATM Withdrawals: Free withdrawals up to an even higher monthly limit (e.g., 8,000 SEK), with subsequent withdrawals subject to a fee.
Cashback: Offers cashback of 0.1% within Europe and 1% outside Europe on all card payments.
Additional Perks: Includes comprehensive travel insurance, higher withdrawal limits, exclusive concierge service, and access to airport lounges.

All Revolut cards offer significant travel advantages for those who travel frequently or engage in international transactions, providing substantial savings on foreign exchange fees compared to traditional banks. Each tier is designed to cater to different needs, from casual spenders with the Standard card to frequent travelers and high spenders with the Metal card.

Benefits of revolut cards

Revolut cards offer a comprehensive range of benefits tailored to enhance the banking and spending experience for their users. Each card tier—Standard, Premium, and Metal—comes with specific features and perks designed to cater to varying customer needs. Here’s a detailed overview of the benefits provided by each Revolut card:

Revolut Standard

No Annual Fee: Ideal for casual users, this card has no annual fee, making it cost-effective for everyday use.
Currency Exchange: Users can exchange currencies up to a certain limit each month without any fees, perfect for travelers and online shoppers.
ATM Withdrawals: Free ATM withdrawals up to a specified limit, beneficial for users who need cash while traveling.
Security Features: Includes advanced security measures such as card freezing/unfreezing and location-based security, ensuring safe transactions.

Revolut Premium

Enhanced Currency Exchange: Offers unlimited currency exchange without any fees, suiting frequent travelers and international spenders.
Increased ATM Withdrawal Limit: Higher free withdrawal limits compared to the Standard card.
Travel Benefits: Comes with comprehensive travel insurance coverage, including medical expenses and delayed baggage protection.
Lounge Access: Access to airport lounges worldwide through LoungeKey, enhancing the travel experience.
Exclusive Offers: Access to special promotions and discounts, adding extra value to the membership.

Revolut Metal

Cashback: Provides cashback on all card payments, higher for transactions made outside Europe.
Premium Travel Benefits: In addition to the benefits of Premium, Metal includes free lounge access, not just discounted entry.
Higher ATM Withdrawal Limits: Even greater free ATM withdrawal limits, ideal for heavy travelers.
Concierge Service: Access to a dedicated concierge service to assist with booking travel, dining, and more.
Exclusive Metal Card: A distinctive, heavy-duty metal card, offering a higher sense of prestige and durability.

Additional Features Across All Cards

Virtual Cards: All tiers include the option to create virtual cards for online shopping, enhancing security.
Disposable Virtual Cards: These one-time use cards further secure online transactions by changing card details after each transaction.
Cryptocurrency Support: Enables the buying, holding, and exchanging of cryptocurrencies directly within the app.
Stock Trading: Allows users to invest in stocks without paying commission fees, making it accessible for beginners and experienced traders alike.

Revolut’s array of benefits makes it an attractive option for a wide range of financial activities, from daily spending and travel to investing and saving, all managed seamlessly through a user-friendly app.