Swedbank Kreditkort review

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

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Our verdict

Swedbank Kreditkort suits Swedish borrowers who want a revolving credit line rather than a fixed personal loan: SEK 20,000 to SEK 100,000 at a variable rate, with free early repayment and phone support. The same bank also lends against property at 3.89%, so mortgage shoppers have a second option.

Key facts

Best for
A revolving credit line for planned spending you repay early
APR
13.5% (Source, checked September 26, 2026)
Loan amount
SEK 20,000 to SEK 100,000 (Source, checked September 26, 2026)
Term
12 months (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Representative example
Utnyttjad kredit på 20 000 kr, effektiv ränta 13,50 %, totalt 21 382 kr att betala, återbetalning under 12 månader (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Minimum age 18 and annual income of at least SEK 150,000 (Source, checked September 26, 2026)
Loan types
Credit-line (Source, checked September 26, 2026)
Credit needed
Fair (Source, checked September 26, 2026)
Legal entity
Swedbank AB (publ) (Source, checked September 26, 2026)
Headquarters
Sweden (Source, checked September 26, 2026)
Founded
1820 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Features
Credit line
Official website
swedbank.se

Mortgages

Initial rate
3.89% (Source, checked September 26, 2026)
APRC
3.96% (Source, checked September 26, 2026)
Fixed period
0.25 years (Source, checked September 26, 2026)
Maximum loan to value
90% (Source, checked September 26, 2026)
Product fee
SEK 650 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, First-time-buyer (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Legal entity
Swedbank AB (publ) (Source, checked September 26, 2026)
Headquarters
Sweden (Source, checked September 26, 2026)
Founded
1820 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
LinkedInXswedbank.com

Pros and cons

Pros

  • Early repayment carries no charge, so a bonus or windfall can clear the line for nothing extra
  • Credit needed is rated fair, so the bar sits below good or excellent credit files
  • Swedbank AB (publ) holds a Finansinspektionen licence in Sweden
  • The same bank covers purchase, remortgage and first time buyer lending, so property borrowing stays in one place

Cons

  • A variable rate (variable) means carried credit costs more when market rates rise
  • The line starts at SEK 20,000 to SEK 100,000, so smaller shortfalls do not fit
  • Support runs on phone and help centre, with no live chat or email listed
Swedbank Kreditkort

Ready to try Swedbank Kreditkort?

Scored 9.1 / 10 by BorrowCue.

See alternatives

Who it suits

  • Borrowers with a fair credit file who want a large revolving line from one Swedish bank
  • People who clear balances early and want early repayment at no cost
  • Homebuyers and remortgagers who want the same lender for property, up to 90% loan to value

Who should look elsewhere

  • Borrowers who want a fixed instalment plan, since the card rate is variable (variable); Sofkredit quotes an APR of 10.74% to 18.06% for comparison
  • Applicants hoping for a light touch, because a hard credit check (hard) comes first
  • Borrowers after a single lump sum beyond the line's reach: Creduma ES lends from from €12,000

How Swedbank Kreditkort compares

Where Swedbank Kreditkort is available

Available
Sweden
Licence in Sweden
Finansinspektionen (502017-7753), checked September 26, 2026

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

Frequently asked questions

What does the credit card cost to borrow?+

The card charges 13.5% as an APR on the drawn balance, and Swedbank's representative example shows a used credit line repaid over 12 with the full amount payable spelled out. Since the facility is a credit line, interest applies to what you draw rather than to the whole limit.

Who can apply for the card?+

Eligibility is a minimum age and an annual income floor, and the credit needed is rated fair rather than good or excellent. Applicants also go through a hard credit check (hard), so a thin credit file works against you before income is weighed.

Is the money protected and who regulates it?+

Swedbank AB (publ) holds a Finansinspektionen licence in Sweden, registered as 502017-7753, and the head office sits in Sweden. The account is therefore with a supervised lender, and Swedbank has traded since 1820.

Can I repay the card early without a charge?+

Yes. Early repayment is free, so clearing all or part of the drawn balance carries no exit cost. The balance that matters is the credit you have actually used, not the full line, which keeps the interest bill tied to your spending.

How do I get help with the account?+

Support runs on phone and help centre, so a phone line and a help centre handle questions about the card. You are dealing with a single Swedish market, which suits borrowers who bank in Sweden and prefer picking up the phone.

Can I get a mortgage from the same bank?+

Yes, property lending sits alongside the card, with an initial rate of 3.89%, an annual percentage rate of charge of 3.96%, a maximum loan to value of 90% and a product fee of SEK 650. Listed purposes are purchase, remortgage and first time buying.

How much can I borrow on the line?+

The line runs SEK 20,000 to SEK 100,000, which covers larger spending than a small instalment loan and stops short of the very largest sums. Because the facility is a credit line (credit line), the available limit returns once the drawn balance is repaid.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Funding time.

Swedbank Kreditkort

Swedbank Kreditkort

A revolving credit line for planned spending you repay early

9.1/10See alternatives

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