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If you are looking for a credit card with no annual fee, easy to use and full of real advantages, the Bank Norwegian Card may be the perfect choice. With full control via the app, accumulation of points for travel and international acceptance, it stands out among the most popular credit cards in Norway.
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Besides its convenience, the card is ideal for both Norwegian residents and foreigners legally residing in the country. Everything can be done online—no bureaucracy or bank account required.
Step by Step Guide to Applying for a Bank Norwegian Card
1️⃣ Access the Official Website
Go to the Bank Norwegian website and go to the “Kredittkort” (Credit Card) section.
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2️⃣ Fill out the Online Form
Provide your personal information: full name, email address, telephone number, address, and Norwegian identification number (fødselsnummer). You must also declare your monthly income and employment status.
3️⃣ Wait for the Credit Analysis
The bank performs a credit check (kredittsjekk) based on the information you provide and your financial history. The response is usually quick—in many cases, within the same day.
4️⃣ Receive the Card at Home
After approval, the card is shipped to your address in Norway. Activation and management are done directly through the app.
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Required Documents
To apply for the card, you will need:
- 📄 Norwegian Identification Number (Fødselsnummer)
- 📬 Proof of residence in Norway (registration in Folkeregisteret)
- 💼 Proof of income (employment contract, Holopenger, NAV or tax return)
- 🛂 Valid passport or identity document
Note: Foreigners must have regularized residence documentation.
Bank Norwegian Card Fees
The Bank Norwegian card has simple and transparent fee policy:
- Annuity: ❌ Free
- ATM withdrawals: ✔️ Allowed (fees may apply depending on location)
- International purchases: ✔️ Allowed (Standard Visa conversion rate may apply)
- Revolving interest: ✔️ Applicable in case of installment payments or late payment of the invoice (see current rates on the website)
Tip: Avoid cash withdrawals to avoid paying high interest. Use your card for purchases only.
Benefits of the Bank Norwegian Card
- 📱 Complete and intuitive app for Android and iOS
- ✈️ CashPoints accumulated on purchases (discounts on Norwegian Air tickets)
- 🌍 International acceptance with Visa flag
- 🔒 Enhanced security with 3D Secure authentication
- 💳 Limit control and card blocking directly in the app
- 💬 Real-time notifications on all transactions
Conclusion
THE Bank Norwegian Credit Card is one of the best free card options in Norway, combining savings, digital control and real rewards for travelers. The application is quick, made entirely online, and without the need for a bank account.
Ideal for students, foreign residents, frequent travelers or anyone who wants to a secure, free and easy to manage card.