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If you are looking for a credit card with no annual fee, cashback on all purchases and full control via the app, the Komplett Bank Mastercard might be just what you need. It's one of the most popular cards in Norway for those who want save smartly and without complications.
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With one of the best cashback programs in the country, the card is ideal for both residents and foreigners legally registered in Norway. The application process is done online—no need to open a bank account.
Step by Step Guide to Applying for the Komplett Bank Mastercard
1️⃣ Access the Official Website
Go to the Komplett Bank website and click on the section “Kredittkort” to start the request.
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2️⃣ Fill out the Online Form
Enter your personal data, such as:
- Full name
- Fødselsnummer (Norwegian personal identification number)
- Address, telephone number and email address
- Current employment and monthly income
3️⃣ Wait for the Credit Check
The bank will perform a credit check (kredittsjekk) based on your financial history. The response is usually quick—sometimes within the same business day.
4️⃣ Receive the Card at the Registered Address
Once approved, the card will be shipped to your address in Norway. Activation is done through the bank's app or website.
Required Documents
To request the card, you must present:
- 📄 Fødselsnummer (Norwegian identity number)
- 📬 Proof of residence in Norway (registration in Folkeregisteret)
- 💼 Proof of income (employment contract, Holopenger, bank statement or income tax)
- 🛂 Valid passport or identity document
Observation: Foreigners must have legal residence registered in Norway.
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Komplett Bank Mastercard Fees
The card is known for its transparency and absence of abusive fees:
- Annuity: ❌ Free
- Withdrawals: ✔️ Allowed, but subject to interest and fees — use with caution
- International purchases: ✔️ Allowed with Mastercard standard exchange rate
- Installment or late payment: ✔️ Subject to revolving interest
💡 Tip: The card is most advantageous when used for purchases — avoid withdrawals to avoid generating high interest rates.
Komplett Bank Mastercard Benefits
💰 Automatic Cashback
Earn cash back on all purchases:
- 4% in purchases made in Komplett.no
- 2% in online shopping on other sites
- 1% in all general purchases, including physical
The cashback amount is automatically deducted from your invoice.
📱 Complete and Easy to Use App
The app (available for iOS and Android) allows you to:
- Check balance and statements
- Pay invoices
- Block/unblock the card
- Control limits
- Track CashPoints
🌍 Global Acceptance
Because it's a Mastercard, it's accepted at millions of establishments worldwide—ideal for those who travel or shop online frequently.
🔐 High Security
The card uses 3D Secure, SMS authentication and real-time notifications for all transactions, ensuring control and security.
Conclusion
THE Komplett Bank Mastercard Credit Card is a highly advantageous option for those who live in Norway and want to:
- A card no annual fee
- Rewards in real cashback
- Full control via the app
- International and safe use
Whether you are a student, new to the country or just someone looking for economy and financial freedom, this card may be the right choice.