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 October 2026.

Updated October 5, 2026

Quick recommendations

Best overall

Bank Norwegian

DKK 0/year · 0.5% cashback · travel insurance

All 35 cards — detailed overview

Best free all-round card

Bank Norwegian Kreditkort

«Popular credit card with no annual fee, cashback and travel insurance»

Årligt gebyr: 0kr.
ÅOP: 21,93%
Debitorrente: 19,99%
Valutatillæg: 1,99%

No annual fee
Travel and cancellation insurance included
0.5% cashback on all purchases
Free ATM withdrawals at home and abroad

Apply now Read review

Repræsentativt eksempel: Samlet kreditbeløb 15.000 kr., debitorrente 19,99 %, ÅOP 21,93 %, løbetid 12 mdr., ydelse 1.388 kr. pr. md., samlede kreditomkostninger 1.656 kr., samlet beløb at betale tilbage 16.656 kr.

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35cards found

Editor's choiceIngen årligt gebyrRejseforsikring
Bank Norwegian Kreditkort
4,3ud af 5 (redaktionens vurdering 8,5 ud af 10)
«Popular credit card with no annual fee, cashback and travel insurance»
Årligt gebyr
0kr.
ÅOP
21,93%
Debitorrente
19,99%
Apply now
Advertising link — we earn a commission
Read review
- No annual fee
- Travel and cancellation insurance included
- 0.5% cashback on all purchases
Repræsentativt eksempel: Samlet kreditbeløb 15.000 kr., debitorrente 19,99 %, ÅOP 21,93 %, løbetid 12 mdr., ydelse 1.388 kr. pr. md., samlede kreditomkostninger 1.656 kr., samlet beløb at betale tilbage 16.656 kr.
RejseforsikringKøbsforsikring
SAS EuroBonus World Mastercard
4,0ud af 5 (redaktionens vurdering 8,0 ud af 10)
«Premium travel credit card with SAS EuroBonus points and lounge access»
Årligt gebyr
415kr.
ÅOP
20,95%
Debitorrente
19%
Read review
- SAS EuroBonus points on all purchases
- Travel and purchase insurance included
- Up to 42 days interest-free credit
Repræsentativt eksempel: Samlet kreditbeløb 20.000 kr., debitorrente 19 %, ÅOP 20,95 %, løbetid 12 mdr., ydelse 1.875 kr. pr. md., samlede kreditomkostninger 2.500 kr., samlet beløb at betale tilbage 22.500 kr.
Bonuspoint
Lunar SAS EuroBonus
3,5ud af 5 (redaktionens vurdering 7,0 ud af 10)
«Neobank account with SAS EuroBonus points — no credit risk»
Månedligt gebyr
39kr./md.
Valutatillæg
1,50%
Kortnetværk
Visa
Read review
- 8 EuroBonus points per DKK 100
- No credit risk (debit card)
- Welcome bonus of 3,000 points
RejseforsikringKøbsforsikring
Lunar Unlimited
3,8ud af 5 (redaktionens vurdering 7,5 ud af 10)
«Premium neobank card with travel insurance and metal card»
Månedligt gebyr
149kr./md.
Valutatillæg
0%
Kortnetværk
Visa
Read review
- 0% currency fee — perfect for travel
- Travel insurance from Tryg included
- Metal card with personal engraving
Ingen årligt gebyr
Lunar Light
3,3ud af 5 (redaktionens vurdering 6,5 ud af 10)
«Completely free bank account and digital card from Lunar»
Årligt gebyr
0kr.
Valutatillæg
1,50%
Kortnetværk
Visa
Read review
- Completely free — no fees
- Apple Pay & Google Pay
- Danish bank with deposit guarantee
Ingen årligt gebyrKøbsforsikring
Plusguldkort
3,3ud af 5 (redaktionens vurdering 6,5 ud af 10)
«Credit card with discounts at 1,300+ Danish retailers and purchase insurance»
Årligt gebyr
0kr.
ÅOP
16,10%
Debitorrente
18,39%
Read review
- No annual fee
- Up to 52 days interest-free credit
- Free purchase insurance (All Risk + extended warranty)
Repræsentativt eksempel: Samlet kreditbeløb 10.000 kr., debitorrente 18,39 %, ÅOP 16,10 %, løbetid 12 mdr., ydelse 925 kr. pr. md., samlede kreditomkostninger 1.100 kr., samlet beløb at betale tilbage 11.100 kr.
Ingen årligt gebyrBonuspoint
Revolut Standard
3,8ud af 5 (redaktionens vurdering 7,5 ud af 10)
«Free multi-currency account — fee-free currency exchange up to DKK 7,500/mo.»
Årligt gebyr
0kr.
Valutatillæg
0%
Kortnetværk
Visa
Read review
- Completely free account and card
- Fee-free currency exchange up to DKK 7,500/mo.
- Multi-currency account in 150+ currencies
KøbsforsikringBonuspoint
Revolut Plus
3,3ud af 5 (redaktionens vurdering 6,5 ud af 10)
«Purchase insurance and higher exchange limit for DKK 32.99/mo.»
Månedligt gebyr
33kr./md.
Valutatillæg
0%
Kortnetværk
Visa
Read review
- Purchase insurance included
- Fee-free exchange up to DKK 22,500/mo.
- Only 0.5% fee above limit (half price vs. Standard)
RejseforsikringKøbsforsikring
Revolut Premium
4,0ud af 5 (redaktionens vurdering 8,0 ud af 10)
«Unlimited currency exchange, travel insurance and lounge discounts for DKK 74.99/mo.»
Månedligt gebyr
75kr./md.
Valutatillæg
0%
Kortnetværk
Visa
Read review
- Unlimited fee-free currency exchange — including weekends
- Travel insurance included
- Partner subscriptions worth DKK 18,200/year included
RejseforsikringKøbsforsikring
Revolut Metal
4,0ud af 5 (redaktionens vurdering 8,0 ud af 10)
«Metal card with family travel insurance, 1% cashback abroad and DKK 6,000 free ATM/mo.»
Månedligt gebyr
130kr./md.
Valutatillæg
0%
Kortnetværk
Visa
Read review
- Stainless steel metal card (18g)
- Family travel insurance
- 1% cashback outside Europe
RejseforsikringKøbsforsikring
Revolut Ultra
3,5ud af 5 (redaktionens vurdering 7,0 ud af 10)
«The ultimate card — unlimited lounge access, DKK 15,000 free ATM, 90-day insurance coverage»
Månedligt gebyr
450kr./md.
Valutatillæg
0%
Kortnetværk
Visa
Read review
- Unlimited free lounge access (1,000+ airports)
- Travel insurance up to 90 days — incl. business trips
- DKK 15,000 free ATM withdrawals/mo.
Ingen årligt gebyr
Wise-kort
3,8ud af 5 (redaktionens vurdering 7,5 ud af 10)
«Cheapest international transfers and real exchange rates»
Årligt gebyr
0kr.
Valutatillæg
0%
Kortnetværk
Visa
Read review
- Real exchange rate (mid-market rate)
- Hold money in 40+ currencies
- Low fees for international transfers
Ingen årligt gebyr
N26
3,0ud af 5 (redaktionens vurdering 6,0 ud af 10)
«German neobank with free account and Mastercard — for EU citizens»
Årligt gebyr
0kr.
Valutatillæg
0%
Kortnetværk
Mastercard
Read review
- Free account and virtual card
- Card payments in EUR without surcharge
- 2 free ATM withdrawals per month
Danske Bank Mastercard Basis
2,8ud af 5 (redaktionens vurdering 5,5 ud af 10)
«Basic credit card with up to 6 weeks interest-free credit»
Årligt gebyr
250kr.
Valutatillæg
2%
Kortnetværk
Mastercard
Read review
- Up to 6 weeks interest-free credit
- Apple Pay, Google Pay and MobilePay
- Integrated with Danske Bank online banking
RejseforsikringKøbsforsikring
Danske Bank Mastercard Guld
3,5ud af 5 (redaktionens vurdering 7,0 ud af 10)
«Credit card with travel insurance (Europe) and purchase insurance»
Årligt gebyr
795kr.
Valutatillæg
2%
Kortnetværk
Mastercard
Read review
- Travel insurance in Europe
- Purchase insurance for 90 days
- Cancellation insurance for illness
RejseforsikringKøbsforsikring
Danske Bank Mastercard Platin
3,8ud af 5 (redaktionens vurdering 7,5 ud af 10)
«Premium credit card with global travel insurance, Priority Pass and concierge»
Årligt gebyr
1.395kr.
Valutatillæg
2%
Kortnetværk
Mastercard
Read review
- Global travel insurance
- Priority Pass (4 free lounge visits/year)
- Personal concierge service
Købsforsikring
Nordea Credit Mastercard
2,8ud af 5 (redaktionens vurdering 5,5 ud af 10)
«Basic credit card with purchase insurance and low currency fee in Europe»
Årligt gebyr
300kr.
Valutatillæg
0,50%
Maks. kredit
30.000kr.
Read review
- Only 0.5% currency fee in Europe
- Purchase insurance included (4 years)
- Up to 40 days interest-free credit
RejseforsikringKøbsforsikring
Nordea Gold Mastercard
3,8ud af 5 (redaktionens vurdering 7,5 ud af 10)
«Popular credit card with global travel insurance, purchase insurance and low currency fee»
Årligt gebyr
900kr.
Valutatillæg
0,50%
Maks. kredit
150.000kr.
Read review
- Global travel insurance (60 days) via Tryg
- Only 0.5% currency fee in Europe
- Purchase insurance for 4 years
RejseforsikringKøbsforsikring
Nordea Platinum Mastercard
4,0ud af 5 (redaktionens vurdering 8,0 ud af 10)
«Premium credit card with automatic travel insurance, LoungeKey and 0.5% currency fee»
Årligt gebyr
1.500kr.
Valutatillæg
0,50%
Maks. kredit
250.000kr.
Read review
- Travel insurance WITHOUT payment requirement
- 10 free lounge visits/year via LoungeKey
- Only 0.5% currency fee in Europe
Cashback
Jyske Bank Visa Credit
3,3ud af 5 (redaktionens vurdering 6,5 ud af 10)
«Visa credit card with cashback at 2,000+ shops and up to 45 days interest-free credit»
Årligt gebyr
200kr.
Valutatillæg
1%
Maks. kredit
50.000kr.
Read review
- 3-15% cashback at 2,000+ shops
- Up to 45 days interest-free credit
- DKK 0/year for Plus/Premium customers
RejseforsikringCashback
Jyske Bank Visa Credit Platinum
3,5ud af 5 (redaktionens vurdering 7,0 ud af 10)
«Premium Visa credit card with global travel insurance, cashback and high credit limit»
Årligt gebyr
1.700kr.
Valutatillæg
1%
Maks. kredit
200.000kr.
Read review
- Global travel insurance (60 days)
- 3-15% Visa Cashback
- Credit limit from DKK 100,000
Sydbank Mastercard Classic
2,5ud af 5 (redaktionens vurdering 5,0 ud af 10)
«Basic credit card with extended warranty on electronics»
Årligt gebyr
235kr.
Valutatillæg
1,67%
Kortnetværk
Mastercard
Read review
- Low annual fee (DKK 235)
- Up to 45 days interest-free credit
- 3 years extra warranty
Rejseforsikring
Sydbank Mastercard Gold
3,0ud af 5 (redaktionens vurdering 6,0 ud af 10)
«Credit card with basic travel insurance in Europe and ID theft insurance»
Årligt gebyr
795kr.
Valutatillæg
1,67%
Maks. kredit
30.000kr.
Read review
- Travel insurance in Europe (30 days)
- ID theft insurance
- Family coverage included
Rejseforsikring
Sydbank Mastercard Platinum
3,3ud af 5 (redaktionens vurdering 6,5 ud af 10)
«Premium credit card with global travel insurance, rental car coverage and cancellation up to DKK 120,000»
Årligt gebyr
2.195kr.
Valutatillæg
1,67%
Maks. kredit
40.000kr.
Read review
- Global travel insurance (60 days)
- Cancellation up to DKK 120,000
- Rental car insurance included
Købsforsikring
Nykredit Mastercard Blue Shopping
2,8ud af 5 (redaktionens vurdering 5,5 ud af 10)
«Affordable basic card with purchase insurance and extended warranty»
Årligt gebyr
300kr.
Valutatillæg
1%
Maks. kredit
30.000kr.
Read review
- Purchase insurance included
- Only DKK 100/year for mortgage customers
- Up to 45 days interest-free credit
RejseforsikringKøbsforsikring
Nykredit Mastercard Gold
3,8ud af 5 (redaktionens vurdering 7,5 ud af 10)
«Credit card with global travel insurance (60 days) and family coverage»
Årligt gebyr
1.000kr.
Valutatillæg
1%
Maks. kredit
100.000kr.
Read review
- Global travel insurance (60 days)
- Covers entire household
- No payment requirement for travel
RejseforsikringKøbsforsikring
Nykredit Mastercard Platinum
3,8ud af 5 (redaktionens vurdering 7,5 ud af 10)
«Premium credit card with Priority Pass (5 visits), global travel insurance and family coverage»
Årligt gebyr
2.200kr.
Valutatillæg
1%
Maks. kredit
150.000kr.
Read review
- Priority Pass (5 free lounge visits/year)
- Global travel insurance for entire household
- Rental car insurance included
Købsforsikring
Spar Nord Mastercard Classic
2,8ud af 5 (redaktionens vurdering 5,5 ud af 10)
«Basic credit card with purchase insurance — free for Star customers»
Årligt gebyr
250kr.
Valutatillæg
1,82%
Kortnetværk
Mastercard
Read review
- DKK 0/year for Star customers
- Purchase insurance included
- ID theft insurance
RejseforsikringKøbsforsikring
Spar Nord Mastercard Gold
3,3ud af 5 (redaktionens vurdering 6,5 ud af 10)
«Credit card with global travel insurance (60 days) and family coverage»
Årligt gebyr
995kr.
Valutatillæg
1,82%
Kortnetværk
Mastercard
Read review
- Global travel insurance (60 days)
- Family coverage included
- Purchase and ID theft insurance
RejseforsikringKøbsforsikring
Spar Nord Mastercard Platinum
3,5ud af 5 (redaktionens vurdering 7,0 ud af 10)
«Premium credit card with Priority Pass (5 visits), global travel insurance and WebSafe»
Årligt gebyr
1.995kr.
Valutatillæg
1,82%
Kortnetværk
Mastercard
Read review
- Priority Pass (5 free lounge visits/year)
- Global travel insurance (60 days)
- WebSafe and ID theft insurance
RejseforsikringKøbsforsikring
AL Bank Mastercard Gold Basic
3,3ud af 5 (redaktionens vurdering 6,5 ud af 10)
«Credit card with basic travel insurance, purchase insurance and DKK 50,000 credit limit»
Årligt gebyr
495kr.
Valutatillæg
1%
Maks. kredit
50.000kr.
Read review
- Family travel insurance
- Purchase insurance with 5-year warranty
- Price guarantee for 90 days
RejseforsikringKøbsforsikring
AL Bank Mastercard Platinum
3,8ud af 5 (redaktionens vurdering 7,5 ud af 10)
«Premium credit card with 10 free lounge visits, extended travel insurance and DKK 200,000 credit limit»
Årligt gebyr
1.795kr.
Valutatillæg
1%
Maks. kredit
200.000kr.
Read review
- 10 free lounge visits/year (incl. guest)
- Extended travel insurance
- Up to DKK 200,000 credit limit
Rejseforsikring
Resurs World
3,8ud af 5 (redaktionens vurdering 7,5 ud af 10)
«Credit card with 0% currency fee, travel insurance and up to 60 days interest-free credit»
Årligt gebyr
295kr.
ÅOP
15,76%
Debitorrente
5,91%
Read review
- 0% currency fee — best for international travel
- 0% ATM fee abroad
- Travel insurance via Tryg included
Repræsentativt eksempel: Samlet kreditbeløb 15.000 kr., debitorrente 5,91 %, ÅOP 15,76 %, løbetid 12 mdr., ydelse 1.350 kr. pr. md., samlede kreditomkostninger 1.200 kr., samlet beløb at betale tilbage 16.200 kr.
Ingen årligt gebyrRejseforsikring
Ikano Bank Visa
3,0ud af 5 (redaktionens vurdering 6,0 ud af 10)
«Free Visa credit card with the lowest APR in Denmark (14.9%) and travel insurance»
Årligt gebyr
0kr.
ÅOP
14,90%
Debitorrente
14,90%
Read review
- DKK 0 annual fee
- Lowest APR in Denmark (14.9%)
- Travel insurance included
Repræsentativt eksempel: Samlet kreditbeløb 25.000 kr., debitorrente 14,90 %, ÅOP 14,90 %, løbetid 12 mdr., ydelse 2.245 kr. pr. md., samlede kreditomkostninger 1.940 kr., samlet beløb at betale tilbage 26.940 kr.
Ingen årligt gebyrRejseforsikring
Re:member Mastercard
3,0ud af 5 (redaktionens vurdering 6,0 ud af 10)
«Free credit card with up to 52 days interest-free credit and basic travel insurance. NOTE: Applications currently closed.»
Årligt gebyr
0kr.
Valutatillæg
2%
Maks. kredit
100.000kr.
Read review
- DKK 0 annual fee
- Up to 52 days interest-free credit
- Cashback at 140+ online shops

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 %	Yes	Points
Lunar SAS EuroBonus	Debit	DKK 39/mo.	—	1,50 %	No	Points
Lunar Unlimited	Debit	DKK 149/mo.	—	0 %	Yes	Points
Lunar Light	Debit	DKK 0	—	1,50 %	No	No
Plusguldkort	Credit	DKK 0	16,10 %	0 %	No	Cashback
Revolut Standard	Debit	DKK 0	—	0 %	No	Points
Revolut Plus	Debit	DKK 32,99/mo.	—	0 %	No	Points
Revolut Premium	Debit	DKK 74,99/mo.	—	0 %	Yes	Points
Revolut Metal	Debit	DKK 129,99/mo.	—	0 %	Yes	Cashback
Revolut Ultra	Debit	DKK 450/mo.	—	0 %	Yes	Points
Wise-kort	Debit	DKK 0	—	0 %	No	No
N26	Debit	DKK 0	—	0 %	No	No
Danske Bank Mastercard Basis	Credit	DKK 250	—	2 %	No	No
Danske Bank Mastercard Guld	Credit	DKK 795	—	2 %	Yes	No
Danske Bank Mastercard Platin	Credit	DKK 1.395	—	2 %	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 %	No	Cashback
Jyske Bank Visa Credit Platinum	Credit	DKK 1.700	—	1 %	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 %	No	No
Nykredit Mastercard Gold	Credit	DKK 1.000	—	1 %	Yes	No
Nykredit Mastercard Platinum	Credit	DKK 2.200	—	1 %	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 %	Yes	No
AL Bank Mastercard Platinum	Credit	DKK 1.795	—	1 %	Yes	No
Resurs World	Credit	DKK 295	15,76 %	0 %	Yes	No
Ikano Bank Visa	Credit	DKK 0	14,90 %	1 %	Yes	No
Re:member Mastercard	Credit	DKK 0	19,10 %	2 %	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:

Costs30%

Annual fee, APR, currency fee, other charges

Rewards & benefits30%

Cashback, points, discounts and their real-world value

Insurance25%

Travel insurance, purchase insurance, coverage and terms

User experience15%

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.

Explore more (in Danish)

Best credit cards Travel credit cards Free credit cards Cashback cards Premium cards Travel insurance cards No credit check cards Bank Norwegian Revolut Standard Wise Lunar Free All guides

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 October 5, 2026.

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