English guide for foreigners in Denmark
Best Credit Cards in Denmark 2026
We've compared 35 credit cards and payment cards available in Denmark — including fees, APR, currency charges, insurance and rewards. Here is our independent assessment, updated May 2026.
Quick recommendations
All 35 cards — detailed overview
Bank Norwegian Kreditkort
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| Annual fee | 0 DKK |
| APR | 21.93% |
| Currency fee | 1.99% |
| Network | Visa |
Using a credit of 15.000 DKK with repayment over 12 months at 1388.00 DKK, the APR is 21.93%. The total amount to repay is 16.656 DKK
SAS EuroBonus World Mastercard
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| Annual fee | 415 DKK |
| APR | 20.95% |
| Currency fee | 2.00% |
| Network | Mastercard |
Using a credit of 20.000 DKK with repayment over 12 months at 1875.00 DKK, the APR is 20.95%. The total amount to repay is 22.500 DKK
Lunar SAS EuroBonus
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| Annual fee | 39 DKK/mo. |
| Currency fee | 1.50% |
| Network | Visa |
Lunar Unlimited
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| Annual fee | 149 DKK/mo. |
| Currency fee | 0.00% |
| Network | Visa |
Lunar Gratis Konto + Kort
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| Annual fee | 0 DKK |
| Currency fee | 1.50% |
| Network | Visa |
Plusguldkort
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| Annual fee | 0 DKK |
| APR | 16.10% |
| Currency fee | 0.00% |
| Network | Mastercard |
Using a credit of 10.000 DKK with repayment over 12 months at 925.00 DKK, the APR is 16.10%. The total amount to repay is 11.100 DKK
Revolut Standard
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| Annual fee | 0 DKK |
| Currency fee | 0.00% |
| Network | Visa |
Revolut Plus
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| Annual fee | 32,99 DKK/mo. |
| Currency fee | 0.00% |
| Network | Visa |
Revolut Premium
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| Annual fee | 74,99 DKK/mo. |
| Currency fee | 0.00% |
| Network | Visa |
Revolut Metal
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| Annual fee | 129,99 DKK/mo. |
| Currency fee | 0.00% |
| Network | Visa |
Revolut Ultra
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| Annual fee | 450 DKK/mo. |
| Currency fee | 0.00% |
| Network | Visa |
Wise-kort
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| Annual fee | 0 DKK |
| Currency fee | 0.00% |
| Network | Visa |
N26
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| Annual fee | 0 DKK |
| Currency fee | 0.00% |
| Network | Mastercard |
Danske Bank Mastercard Basis
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| Annual fee | 250 DKK |
| Currency fee | 2.00% |
| Network | Mastercard |
Danske Bank Mastercard Guld
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| Annual fee | 795 DKK |
| Currency fee | 2.00% |
| Network | Mastercard |
Danske Bank Mastercard Platin
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| Annual fee | 1.395 DKK |
| Currency fee | 2.00% |
| Network | Mastercard |
Nordea Credit Mastercard
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| Annual fee | 300 DKK |
| Currency fee | 0.50% |
| Network | Mastercard |
Nordea Gold Mastercard
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| Annual fee | 900 DKK |
| Currency fee | 0.50% |
| Network | Mastercard |
Nordea Platinum Mastercard
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| Annual fee | 1.500 DKK |
| Currency fee | 0.50% |
| Network | Mastercard |
Jyske Bank Visa Credit
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| Annual fee | 200 DKK |
| Currency fee | 1.00% |
| Network | Visa |
Jyske Bank Visa Credit Platinum
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| Annual fee | 1.700 DKK |
| Currency fee | 1.00% |
| Network | Visa |
Sydbank Mastercard Classic
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| Annual fee | 235 DKK |
| Currency fee | 1.67% |
| Network | Mastercard |
Sydbank Mastercard Gold
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| Annual fee | 795 DKK |
| Currency fee | 1.67% |
| Network | Mastercard |
Sydbank Mastercard Platinum
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| Annual fee | 2.195 DKK |
| Currency fee | 1.67% |
| Network | Mastercard |
Nykredit Mastercard Blue Shopping
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| Annual fee | 300 DKK |
| Currency fee | 1.00% |
| Network | Mastercard |
Nykredit Mastercard Gold
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| Annual fee | 1.000 DKK |
| Currency fee | 1.00% |
| Network | Mastercard |
Nykredit Mastercard Platinum
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| Annual fee | 2.200 DKK |
| Currency fee | 1.00% |
| Network | Mastercard |
Spar Nord Mastercard Classic
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| Annual fee | 250 DKK |
| Currency fee | 1.82% |
| Network | Mastercard |
Spar Nord Mastercard Gold
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| Annual fee | 995 DKK |
| Currency fee | 1.82% |
| Network | Mastercard |
Spar Nord Mastercard Platinum
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| Annual fee | 1.995 DKK |
| Currency fee | 1.82% |
| Network | Mastercard |
AL Bank Mastercard Gold Basic
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| Annual fee | 495 DKK |
| Currency fee | 1.00% |
| Network | Mastercard |
AL Bank Mastercard Platinum
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| Annual fee | 1.795 DKK |
| Currency fee | 1.00% |
| Network | Mastercard |
Resurs World
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| Annual fee | 295 DKK |
| APR | 15.76% |
| Currency fee | 0.00% |
| Network | Mastercard |
Using a credit of 15.000 DKK with repayment over 12 months at 1350.00 DKK, the APR is 15.76%. The total amount to repay is 16.200 DKK
Ikano Bank Visa
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| Annual fee | 0 DKK |
| APR | 14.90% |
| Currency fee | 1.00% |
| Network | Visa |
Using a credit of 25.000 DKK with repayment over 12 months at 2245.00 DKK, the APR is 14.90%. The total amount to repay is 26.940 DKK
Re:member Mastercard
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| Annual fee | 0 DKK |
| APR | 19.10% |
| Currency fee | 2.00% |
| Network | Mastercard |
APR 19.10%. Contact the provider for a specific calculation example.
Compare all cards
| Card | Type | Annual fee | APR | Currency fee | Insurance | Rewards |
|---|---|---|---|---|---|---|
| Bank Norwegian Kreditkort | Credit | DKK 0 | 21.93% | 1.99% | Yes | Cashback |
| SAS EuroBonus World Mastercard | Credit | DKK 415 | 20.95% | 2.00% | Yes | Points |
| Lunar SAS EuroBonus | Debit | DKK 39/mo. | — | 1.50% | No | Points |
| Lunar Unlimited | Debit | DKK 149/mo. | — | 0.00% | Yes | Points |
| Lunar Gratis Konto + Kort | Debit | DKK 0 | — | 1.50% | No | No |
| Plusguldkort | Credit | DKK 0 | 16.10% | 0.00% | No | Cashback |
| Revolut Standard | Debit | DKK 0 | — | 0.00% | No | Points |
| Revolut Plus | Debit | DKK 32,99/mo. | — | 0.00% | No | Points |
| Revolut Premium | Debit | DKK 74,99/mo. | — | 0.00% | Yes | Points |
| Revolut Metal | Debit | DKK 129,99/mo. | — | 0.00% | Yes | Cashback |
| Revolut Ultra | Debit | DKK 450/mo. | — | 0.00% | Yes | Points |
| Wise-kort | Debit | DKK 0 | — | 0.00% | No | No |
| N26 | Debit | DKK 0 | — | 0.00% | No | No |
| Danske Bank Mastercard Basis | Credit | DKK 250 | — | 2.00% | No | No |
| Danske Bank Mastercard Guld | Credit | DKK 795 | — | 2.00% | Yes | No |
| Danske Bank Mastercard Platin | Credit | DKK 1.395 | — | 2.00% | Yes | No |
| Nordea Credit Mastercard | Credit | DKK 300 | — | 0.50% | No | No |
| Nordea Gold Mastercard | Credit | DKK 900 | — | 0.50% | Yes | No |
| Nordea Platinum Mastercard | Credit | DKK 1.500 | — | 0.50% | Yes | No |
| Jyske Bank Visa Credit | Credit | DKK 200 | — | 1.00% | No | Cashback |
| Jyske Bank Visa Credit Platinum | Credit | DKK 1.700 | — | 1.00% | Yes | Cashback |
| Sydbank Mastercard Classic | Credit | DKK 235 | — | 1.67% | No | No |
| Sydbank Mastercard Gold | Credit | DKK 795 | — | 1.67% | Yes | No |
| Sydbank Mastercard Platinum | Credit | DKK 2.195 | — | 1.67% | Yes | No |
| Nykredit Mastercard Blue Shopping | Credit | DKK 300 | — | 1.00% | No | No |
| Nykredit Mastercard Gold | Credit | DKK 1.000 | — | 1.00% | Yes | No |
| Nykredit Mastercard Platinum | Credit | DKK 2.200 | — | 1.00% | Yes | No |
| Spar Nord Mastercard Classic | Credit | DKK 250 | — | 1.82% | No | No |
| Spar Nord Mastercard Gold | Credit | DKK 995 | — | 1.82% | Yes | No |
| Spar Nord Mastercard Platinum | Credit | DKK 1.995 | — | 1.82% | Yes | No |
| AL Bank Mastercard Gold Basic | Credit | DKK 495 | — | 1.00% | Yes | No |
| AL Bank Mastercard Platinum | Credit | DKK 1.795 | — | 1.00% | Yes | No |
| Resurs World | Credit | DKK 295 | 15.76% | 0.00% | Yes | No |
| Ikano Bank Visa | Credit | DKK 0 | 14.90% | 1.00% | Yes | No |
| Re:member Mastercard | Credit | DKK 0 | 19.10% | 2.00% | Yes | Cashback |
Credit Cards in Denmark — A Guide for Foreigners
Denmark is one of the most cashless countries in the world — over 96% of Danes use contactless payments, and nearly 1 in 3 in-store transactions are made via mobile (Apple Pay, Google Pay). Whether you're an expat, international student or just moved to Denmark, having the right card is essential.
The Danish credit card market is dominated by a few key players: Bank Norwegian (best free credit card), SAS EuroBonus Mastercard (best for frequent flyers), and fintech options like Revolut, Wise and Lunar that are especially popular with internationals.
Best Credit Card for Your Situation
Best for Expats & New Residents
If you've just moved to Denmark, start with Revolut Standard or Wise — both can be opened without a Danish CPR number and give you a card within minutes via the app. Once you have a CPR number and permanent address, apply for Bank Norwegian for free cashback and travel insurance.
Best for International Students
Lunar Free is the easiest choice — free, available from age 15, no credit check, and you have a card in Apple Pay within minutes. Revolut Standard is another excellent option with 0% currency fees for sending money home or travelling.
Best for Travelling from Denmark
Combine Bank Norwegian (travel insurance + cashback) with Revolut Standard (0% currency fee). Pay flights and hotels with Bank Norwegian for the insurance coverage; use Revolut for daily spending abroad.
Best Free Credit Cards
Bank Norwegian and Plusguldkort are both completely free credit cards. Bank Norwegian wins on cashback and travel insurance. Plusguldkort wins on lower APR (16.10% vs. 21.93%) and 52 days interest-free credit. For debit cards, Revolut Standard, Wise and Lunar Free are all free.
What Makes a Good Credit Card?
There is no single "best" credit card — it depends on how you use it. But five factors separate the good cards from the average ones:
Low or no fixed costs
The best cards have DKK 0 in annual fees. A card with a fee must deliver enough value in rewards or insurance to justify the cost.
Rewards that provide real value
0.5% cashback sounds small, but on DKK 200,000 annual spending that's DKK 1,000 back. Bonus points can have higher value — but only if you actually redeem them.
Insurance you'd otherwise pay for
A separate travel insurance typically costs DKK 300-800. Getting it free with your card is a real saving — but always check what's actually covered.
Low currency fees
For travellers and expats, the currency fee is the most important factor. The difference between 0% (Revolut) and 2% (SAS EuroBonus) is DKK 400 on DKK 20,000 in foreign spending.
Good user experience
Apple Pay support, a clear app, fast application process and accessible customer service make everyday use easier.
How to Get a Credit Card in Denmark as a Foreigner
Getting a credit card in Denmark depends on your residency status. Here are the requirements and steps:
Get a CPR number
Most Danish credit cards require a CPR number (civil registration number). You get this when you register at your local International Citizen Service. Processing takes 1-2 weeks.
Open a Danish bank account (optional)
Some cards (Bank Norwegian, SAS EuroBonus) require a Danish bank account. Fintech cards (Revolut, Wise, N26) do not — you can use them immediately with a foreign bank account.
Get MitID (for traditional cards)
MitID is Denmark's digital identity system. You need it to apply for traditional credit cards. Get it at borger.dk after receiving your CPR number.
Apply online
Once you have a CPR number and MitID, apply online. Most providers give an instant decision. The physical card arrives in 3-7 business days. With Revolut, Wise and Lunar you get a virtual card instantly.
Quick start: Don't have a CPR number yet? Download Revolut or Wise — you can open an account with just your passport and get a virtual card in minutes.
Credit Limits and Interest-Free Periods
All credit cards have a credit limit — the maximum amount you can spend before you must repay. In Denmark, credit limits typically range from DKK 10,000 to DKK 200,000 depending on your income and creditworthiness. The bank sets your personal limit when you apply.
The interest-free periodis the number of days you can use your credit without paying interest. If you pay the full balance before the period expires, you've effectively borrowed the money for free. In Denmark, this ranges from 42 to 52 days:
52 days
Plusguldkort (longest)
45 days
Bank Norwegian
42 days
SAS EuroBonus MC
Credit Cards vs. Debit Cards in Denmark
Our comparison includes both credit cards (Bank Norwegian, SAS EuroBonus, Plusguldkort) and debit cards (Revolut, Wise, Lunar, N26). They serve different needs:
Credit cards (25 cards)
- Interest-free credit (30-52 days)
- Travel insurance included
- Cashback / bonus points
- Chargeback protection
Debit cards (10 cards)
- 0% currency fee (Revolut, Wise)
- No credit check required
- Card ready in minutes
- Multi-currency accounts
Our recommendation: Most people benefit from one of each — a credit card as your primary card (insurance, cashback) and a debit card for travel (0% currency fees).
What Do Credit Cards Actually Cost?
Nobody compares actual costs — we do. Here are three scenarios based on typical spending patterns. All assume you pay the full balance on time (no interest).
International student
DKK 5,000/mo. · 1 trip/year
| Bank Norwegian | +DKK 300 |
| Revolut Standard | DKK 0 |
| Lunar Free | DKK 0 |
Bank Norwegian gives DKK 300 cashback/year — you actually earn money.
Expat in Denmark
DKK 12,000/mo. · 2-3 trips/year
| Bank Norwegian | +DKK 720 |
| SAS EuroBonus MC | -DKK 415 |
| Lunar Unlimited | -DKK 1,788 |
Bank Norwegian is the only one that generates a surplus. The SAS card requires frequent flying to pay off.
Frequent traveller
DKK 20,000/mo. · 6+ trips/year
| BN + Revolut | +DKK 1,200 |
| SAS EuroBonus MC | ~+DKK 1,000* |
| Lunar Unlimited | ~DKK 0 |
*SAS points have variable value. BN + Revolut combo is the most predictable.
5 Mistakes to Avoid With Credit Cards in Denmark
Even the best credit card can become expensive if you use it wrong. Here are the five most common mistakes — and how to avoid them.
1. Carrying a balance (paying in instalments)
With interest rates of 16-22% APR, your cashback quickly disappears in interest charges. Always set up automatic full payment so you never forget.
2. Withdrawing cash with your credit card
Most credit cards charge interest from the withdrawal date — no interest-free period. Always use your debit card for ATM withdrawals.
3. Using your credit card abroad without checking the currency fee
A 2% currency fee doesn't sound like much, but that's DKK 1,000 extra on a trip with DKK 50,000 in spending. Use a card with 0% currency fee for foreign purchases.
4. Paying for paper statements
Many cards charge DKK 30-45/month for paper statements. Switch to e-invoicing and save up to DKK 540 per year — without changing anything about your spending.
5. Applying for too many cards at once
Each application is registered with credit bureaus. Many applications in a short period can signal financial stress and reduce your chances of approval. Choose one card and wait 3-6 months before applying for more.
When Should You Use Your Credit Card — and When Shouldn't You?
Use your credit card
- Online shopping — chargeback protection protects you from fraud
- Flight and hotel bookings — travel insurance activates when you pay with the card
- Large purchases — you can dispute the transaction if the item is defective
- Daily spending with cashback — earn 0.5% on everything you buy
- Unfamiliar webshops — a credit card is safer than bank transfer
Avoid your credit card
- ✕ATM withdrawals — interest from day one, no interest-free period
- ✕Purchases you can't afford — a credit card is not extra income
- ✕Paying bills — late-payment interest is lower than credit card interest
- ✕Gambling and crypto — many providers block it, and extra fees apply
- ✕Daily purchases abroad — use a debit card with 0% currency fee (Revolut, Wise) instead
Important Things to Know About Credit Cards in Denmark
All prices are in Danish Kroner (DKK)
1 EUR ≈ 7.46 DKK. Annual fees, credit limits and all amounts on this page are in DKK unless stated otherwise.
ÅOP = APR (Annual Percentage Rate)
Danish law requires all credit cards to display ÅOP — the total annual cost of borrowing. By law, ÅOP cannot exceed 25% in marketing and 35% in contracts.
Betalingsservice = Direct debit
Always set up 'fuld betaling via Betalingsservice' (full payment via direct debit) to avoid interest charges. This pays your full balance automatically each month.
MitID = Danish digital identity
Required for most financial applications in Denmark. Similar to BankID in Scandinavia. You can get MitID after receiving your CPR number.
Dankort is the national debit card
Most Danes have a Visa/Dankort — a co-branded card that works as Dankort domestically and Visa internationally. It's issued by your bank, not applied for separately.
How We Rate Credit Cards
Our editorial assessment is based on a thorough review of each card's terms, fees and benefits. We evaluate based on four main criteria:
Annual fee, APR, currency fee, other charges
Cashback, points, discounts and their real-world value
Travel insurance, purchase insurance, coverage and terms
App, Apple Pay, application process, customer service
Borrowing costs money!
If you cannot repay your debt on time, you risk being registered in RKI (Denmark's credit registry). This can make it difficult to rent an apartment, get a phone subscription or take out new loans. For support, contact your local municipal debt counselling service (kommunal gældsrådgivning).
Frequently Asked Questions About Credit Cards in Denmark
What is the best credit card in Denmark?
For most people, Bank Norwegian Credit Card is the best all-round choice — DKK 0 annual fee, 0.5% cashback, travel insurance and free ATM withdrawals. For travellers, Revolut Standard is the best supplement with 0% currency fee.
Can I get a credit card in Denmark as a foreigner?
Yes — but traditional Danish credit cards (Bank Norwegian, SAS EuroBonus) require a Danish CPR number and residency. Digital cards like Revolut, Wise and N26 can be opened with just an EU/EEA ID and a Danish address. These are the easiest options for expats and international residents.
What is the cheapest credit card in Denmark?
Bank Norwegian, Revolut Standard, Wise and Lunar Free all have DKK 0 in annual fees. Bank Norwegian is the cheapest credit card with the most benefits — you actually earn money through 0.5% cashback.
Which credit card is best for travelling from Denmark?
A combination of Bank Norwegian (travel insurance + cashback) and Revolut Standard (0% currency fee) is the most cost-effective solution for travellers. Pay flights and hotels with Bank Norwegian for the insurance, daily purchases abroad with Revolut.
What is APR (ÅOP) and why does it matter?
APR (ÅOP in Danish — Årlige Omkostninger i Procent) shows the total annual cost of using the credit. The lower the APR, the cheaper it is to carry a balance. APR is only relevant if you don't pay the full balance within the interest-free period — if you pay on time, APR is irrelevant.
Do Danish credit cards work with Apple Pay?
Yes — Bank Norwegian, Revolut, Lunar, Wise and N26 all support Apple Pay. SAS EuroBonus Mastercard and Plusguldkort do not support Apple Pay yet.
What's the difference between credit cards and debit cards?
A credit card lends you money that you repay at the end of the month. A debit card draws directly from your bank account. Credit cards often include travel insurance, cashback and chargeback protection that debit cards don't offer.
Which credit card gives the most cashback in Denmark?
Bank Norwegian gives 0.5% cashback on all purchases (free card). Revolut Metal gives 0.1% in Europe and 1% outside Europe (DKK 129.99/month). For most people, Bank Norwegian's free cashback is the best choice.
How many credit cards should I have?
We recommend a maximum of 1-2 credit cards. A primary card with cashback and insurance (e.g. Bank Norwegian) and optionally a supplement with 0% currency fees for travel (e.g. Revolut). More cards increase the risk of losing track of your spending.
What is a credit limit, and how high can it be?
The credit limit is the maximum amount you can spend on your credit card before you need to repay. In Denmark, it typically ranges from DKK 10,000 (Plusguldkort) to DKK 200,000 (SAS EuroBonus MC). Your personal limit is set based on your income and creditworthiness.
What happens if my credit card application is rejected?
The most common reasons for rejection are insufficient income, active RKI registrations (Denmark's credit registry), too many existing credit agreements, or too many applications in a short time. Wait 3-6 months and try again — or choose a debit card like Revolut or Lunar that doesn't require a credit check.
Do I need a Danish bank account to get a credit card?
For traditional Danish credit cards (Bank Norwegian, SAS EuroBonus), yes — you typically need a Danish bank account and CPR number. For fintech cards like Revolut, Wise, N26 and Lunar, you can open an account with just an EU/EEA ID or passport. These are the best starting point for newcomers to Denmark.
Author
Mathias Clausen
Editor, KreditkortDanmark.dk
Mathias is the editor and founder of KreditkortDanmark.dk. He compares credit cards, fees and terms so you can make an informed choice. All cards on the site are reviewed and updated regularly. Read more →
Last updated .
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