FAQ Credit Card

To apply for the card, you need to be over 20 years old, have an annual income of at least SEK 150,000 and have no payment defaults.

No, your FOREX Credit Card is active when you receive it. However, in order to use the "blip function", you first need to make a purchase with a chip and PIN code for it to be activated. You can add your card to your digital wallet (Apple Pay or Google Pay) directly. 

FOREX Credit Card have a regular annual fee of SEK 225. You can use it abroad without currency exchange surcharges, and avoid withdrawal fees when you withdraw money outside the EU/EEA. You can easily and conveniently apply with BankID.

Read more about and apply for FOREX Credit Card.

Depending on the time of the month you shop, you have the opportunity to get up to 55 days of interest-free credit and a minimum of 22 days. If you pay off your full closing balance each month, you'll get interest-free credit on all your purchases.

The current annual interest rate can be found on your monthly invoice or in the card terms and conditions. To get the monthly interest rate, divide the annual interest rate by twelve. The interest is calculated from the due date of the invoice until the amount is paid.

Please note that you will not pay any interest if you repay the full amount of the invoice by the due date of the invoice. 

You can receive your invoice as an e-invoice or paper invoice (29 SEK/month). If you add your invoice as an e-invoice, you avoid the transaction fee, you do it in your internet bank, by searching for invoice recipient "FOREX Kreditkort".

You pay your invoice with Swish in the FOREX Credit Card app.

Here's how:  
1. Log in to the FOREX Credit Card app with Mobile BankID. 
2. Go to "Invoices" in the menu, where your invoice will be visible as soon as it becomes available (no later than the 25th of the month). 
3. Tap "Pay with Swish". 
4. Continue with the payment in Swish.

If you have forgotten your PIN code, you can log in to the FOREX Credit Card app or in the Credit Card Portal and see your PIN code. If you cannot log in to the app or portal, you can call Customer Service on 0771-22 22 21 (weekdays 09-18).

You can see your balance in the FOREX Credit Card app or in the Credit Card Portal.

You can use Swish once for each invoice that is created. 

Yes, you can! In order to order an extra card, the person who is to receive the card must have the same registered address as you and be at least 18 years old. The extra card is linked to the main account, and shares a credit limit with the main card.

The extra cardholder can download and log in to the FOREX Credit Card app to see their transactions or add their card to their digital wallet, for example. You will receive a joint invoice, which will be sent to the main card holder. 

Instead of taking a store credit, you can set up your card purchases with the FOREX Credit Card with fixed installment. You pay the same amount every month. You can choose to pay for larger purchases in 6, 12 or 24 months. The fee is SEK 57 per month.

You have the option of setting up all purchases between SEK 3,000 and SEK 20,000 as an interest-free installment. Please note that it must be a complete purchase and must be made within 30 days from the date of purchase. You can post as many purchases as you want provided you have a credit limit that covers your purchases.

With FOREX Credit Card you can apply for credit between SEK 10,000 - 100,000.

Yes, you can apply for a higher purchase and credit limit as follows:

Log in to the FOREK Credit Cards app
Log in to the Kreditkortportalen

Call Customer Service on 0771-22 22 21

If you want to apply for a higher purchase and credit limit, Entercard (credit card issuer of FOREX Kreditkort) needs relevant information about your income, etc. Entercard then performs a new credit check.

The app is called FOREX Credit Card App

The credit card portal has the following link: https://forex.kreditkortsportalen.se

If you discover a purchase or withdrawal on your card that you have not made, you must complain about the transaction to Entercard. The easiest way to do this is to log in to the FOREX Credit Card app or the Credit Card Portal.

If you are unsure about a transaction, you can contact Customer Service on 0771-22 22 21. You can also read more about unauthorized transactions in the card terms and conditions.

Yes, you will. FOREX black credit cards work with Apple Pay and Google Pay.

To add your card to Apple Pay, log in to the FOREX Credit Card app, click on your card, click on "Digital Wallet" and select add to Apple Pay. Then follow the instructions, done! Your card is now on your phone and ready to be used as a payment method wherever contactless payments are offered.

To add your card to Google Pay, log in to the FOREX Credit Card app, click on your card, click on "Digital Wallet" and select add to Google Pay. Then follow the instructions, done! Your card is now on your phone and ready to be used as a payment method wherever contactless payments are offered. Note that Google Pay doesn't work with iOS. 

In the app, you can view your card details, add your card to your digital wallet, manage your card (apply for an increased credit limit or extra card, change PIN code, order a new card, etc.), see your transactions and invoices, pay your invoice with Swish and much more. 

All questions regarding FOREX Gula Kreditkort are referred to Nordea Finance on 08-402 57 73. 

If unauthorised purchases and withdrawals have been registered, you must also file a chargeback. Remember to attach a copy of your police report to the complaint.