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If you are looking for a credit card no annual fee, with quick request and full control via the app, the Instapay Mastercard is an excellent choice. With the convenience of a digital 100% platform and no hidden fees, Instabank offers a simple and functional card, ideal for those who value autonomy and financial security.
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THE Instapay Mastercard is perfect for residents of Norway—both Norwegians and legally resident foreigners—who want a hassle-free credit option.
✅ Step by Step to Request the Instapay Mastercard
1️⃣ Create your Instabank account
Before requesting the card, you must be a customer of Instabank. The account opening process is simple, fast and completely online.
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2️⃣ Verify Your Identity
During the registration process, you will need to confirm your identity with BankID, the official authentication system in Norway.
3️⃣ Request the Card via the App or Internet Banking
Once the account is created and approved, you can request the Instapay Mastercard directly by Instabank app or through the online platform.
4️⃣ Wait for the Credit Analysis
THE Instabank will perform a credit analysis (kredittsjekk) based on your financial history and proof of income. Typically, a response will be received within a few hours or even the same business day.
5️⃣ Receive the Card at Home
If approved, your Instapay Mastercard will be sent to your address in Norway. Activation is done directly through the bank's app.
🧾 Required Documents
To apply for the card, you will need to provide the following documents:
- 📄 Fødselsnummer (Norwegian identity number)
- 📬 Proof of residence in Norway (Folkeregisteret)
- 💼 Proof of income (employment contract, bank statement or income tax)
- 🛂 Passport or valid identity document
📌 Important: You must be a legal resident of Norway and have access to BankID to complete the process.
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💳 Instapay Mastercard Fees and Conditions
- Annuity: ❌ Zero
- Revolving interest: ✔️ Applies only if you do not pay the total invoice
- ATM withdrawals: ✔️ Allowed, but subject to interest and fees
- International purchases: ✔️ Allowed with Mastercard exchange rate
- Limit control: ✔️ Adjustable directly through the app
💡 Tip: The card is more advantageous for purchases, avoiding withdrawals, as they generate interest from the moment of withdrawal.
⭐ Benefits of the Instapay Mastercard Credit Card
📱 Total Control Through the App
The application of Instabank (available for Android and iOS) offers:
- Real-time balance and transaction tracking
- Invoice payment
- Limit adjustment
- Instantly block or unblock the card
- Notifications of all purchases and transactions
🌍 International Acceptance
Because it is Mastercard, the Instapay is accepted in millions of stores and platforms around the world — ideal for those who shop internationally or travel frequently.
🔐 Advanced Security
- Authentication with 3D Secure
- Real-time notifications for each transaction
- Security control: Enable or disable international, online, or regional usage directly from the app
💬 100% Digital Service
THE Instabank offers direct digital support through the app, with fast and efficient service via chat.
🏆 Conclusion
THE Instapay Mastercard of Instabank is the right choice for those looking for a card with no annual fee, with full control via the app, and no hidden fees. Your international acceptance, advanced digital security and ease of use make it a very attractive option for residents and expats in Norway.
If you want a simple, fast and hassle-free card, Instapay Mastercard is an excellent choice.