MoreGolf Mastercard review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

MoreGolf Mastercard is a credit line for members of a Swedish golf club, priced at an APR of 18.67% on a variable rate. The catch is the entry criteria: a minimum age, an annual income above a set level, a waiting period of stable income and a good credit profile.

Key facts

Best for
A revolving credit line for Swedish golfers with steady income and a good credit profile who want one card for fees and travel.
APR
18.67% (Source, checked September 26, 2026)
Term
6 to 24 months (Source, checked September 26, 2026)
Arrangement fee
295 SEK annual fee (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Credit decision sent a few days after application (Source, checked September 26, 2026)
Representative example
Utilised credit SEK 20,000 on MoreGolf Mastercard repaid over 12 months by e-invoice: effective rate 18.67 %, total payable SEK 21,871, with 39 interest-free days used and no cash withdrawal fee (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Member of a Swedish golf club affiliated with Svenska Golfforbundet, aged 20 or over, annual income over SEK 150,000, permanent income for six months or own business for two years (Source, checked September 26, 2026)
Loan types
Credit-line (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Legal entity
Entercard Group AB (org nr 556673-0585) (Source, checked September 26, 2026)
Headquarters
Sweden (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Features
Credit line
Official website
golf.se

Apps and profiles

Get the app
Google Play
Elsewhere
Wikidata

Pros and cons

Pros

  • Early repayment is free, so clearing the balance sooner costs nothing extra on the drawn credit and the exit stays cheap.
  • It works as a revolving credit line, so you draw only what you need (credit line) rather than a full loan.
  • Repayment terms of 6 to 24 months spread a single large purchase into instalments you can plan around through e-invoice.
  • You can reach the team on phone, email and help centre, so help is not tied to a single channel during a query.

Cons

  • Cost is the weak point: the APR of 18.67% ranks 244 of 350 brands on APR, and the rate is variable.
  • The card adds an annual fee of 295 SEK annual fee on top of the interest on anything you draw, whatever the balance.
  • Eligibility is closed: membership of a Swedish golf club affiliated with Svenska Golfforbundet, plus a hard credit check (hard) and a good credit profile.
MoreGolf Mastercard

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Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • Golf club members who want one revolving line for fees, equipment and travel instead of a new loan each time.
  • Borrowers with a good credit profile and steady documented income who can live with a rate that moves over time.
  • Anyone likely to clear the balance early, since free early repayment keeps the cost of an early exit low.

Who should look elsewhere

  • Plazo ES, whose stated APR of 24.19% sits above the rate on this card, so switching to it saves nothing on rate.
  • Vivus ES, whose stated APR runs 0% to 3,752.4%, if you want a lender whose own quoted range is the widest of the three.
  • Cashspace ES, if you are not borrowing in Sweden: its rates are quoted in another currency, PHP 12 to PHP 36, which does not line up with the krona.

How your money is protected

The money comes straight from the lender rather than from a broker, which is what direct lender means here. Their representative example is the clearest guide to the real cost: utilised credit repaid by e-invoice, an effective rate that matches the stated rate, and no cash withdrawal fee on the example used. Read it as the shape of a typical repayment, not a promise.

The company behind it

Behind the card sits Entercard Group AB (org nr 556673-0585), the entity that carries the lending relationship, with its base in Sweden. Support runs on phone, email and help centre, so questions can go by phone, by email or through the help centre. If you need the paperwork behind a decision, the named legal entity is where to start.

How MoreGolf Mastercard compares

Where MoreGolf Mastercard is available

Available
Sweden
Licence in Sweden
Finansinspektionen, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate do I pay to borrow on the MoreGolf Mastercard?+

The stated APR is 18.67% and the rate is variable, so the cost can move rather than staying fixed for the whole term. Their representative example shows the effective rate landing on the same figure. Treat the headline rate as a starting point and check what your own offer carries.

Is there a fee for holding the card?+

Yes, the card carries an annual fee of 295 SEK annual fee on top of any interest you pay on drawn credit. That fee applies to holding the card, so it lands whether or not you use the line in a given period. Budget for it as a fixed cost of keeping the account open.

How long can I take to pay it back?+

Repayment runs over 6 to 24 months, and their example clears the balance by e-invoice rather than by card swipe. Because it is a credit line, you choose how much to draw and repay against it, so the term gives a ceiling rather than a fixed schedule.

What credit check do I need to pass?+

The check is hard, so an application leaves a full credit file trace rather than a soft prequalification (hard). The credit profile they look for is good, which is a moderate bar. If your file is thin, a hard check can cost you points at the moment you least want that.

Who can apply for the card?+

You need to be a member of a golf club in Sweden that sits under Svenska Golfforbundet. The other conditions sit with you rather than the club: a minimum age, an annual income above a set figure, and either a waiting period of documented permanent income or an own business run for a period. A hard credit check (hard) then runs on the application.

Who stands behind the lending?+

The lender sits under Finansinspektionen, the Swedish financial regulator, and the contracting entity is Entercard Group AB (org nr 556673-0585). That means the credit decision and the account are supervised at company level, in the same way any Swedish lender would be. Check the named entity on your own paperwork before you sign.

How long does an application take?+

Credit decision sent a few days after application means the pace is not instant, so plan around a wait rather than a same-day answer. Once the decision arrives, the line is there to draw on the card. If you need money in a hurry, that gap is the deciding practical detail.

Sources

  • moregolf.golf.se/delbetalning checked September 26, 2026

    Backs: Term

  • moregolf.golf.se/kundservice checked September 26, 2026

    Backs: Credit check, Credit needed, Eligibility, Free early repayment, Funding time, Support channels

    “Telefon: 0771-36 36 36 ... E-post: moregolf@golf.se ... kontakta Entercard kundservice”

  • moregolf.golf.se/om-kortet checked September 26, 2026

    Backs: APR, Features, Headquarters, Legal entity, Lender type, Loan types, Arrangement fee, Rate type, Representative example, Licences

    “Entercard Group AB Klarabergsgatan 60 105 34 Stockholm Sverige”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Loan amount.

MoreGolf Mastercard

MoreGolf Mastercard

A revolving credit line for Swedish golfers with steady income and a good credit profile who want one card for fees and travel.

9.1/10See alternatives

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