Get a Revolut Card today
Revolut Card Sweden
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
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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
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
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
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
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
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.
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
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
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
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
*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
*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
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 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.
