Understand how personal credit works in Norway, and how to get a credit card as a foreign citizen living in Norway.
Both credit and debit cards are widely accepted in Norway at most shops, restaurants, attractions and hotels. Obtaining a credit card often tops the list of financial questions asked by new arrivals.
SPONSORED CONTENT: This article contains links to various credit card companies in Norway. Should you submit an application, we may receive a commission from the credit company at no extra cost to you.
Getting a credit card in Norway as a foreign resident is a practical way to manage expenses, build credit, and access financial flexibility. Digital payment solutions that connect to credit cards such as Apple Pay are also becoming popular.
Credit cards in Norway often come with benefits like cashback, travel rewards, and no annual fees, making them attractive options for foreign residents. However, it's always important to read the terms and conditions thoroughly.
While credit cards can be valuable tools for managing your personal and household finances, care should of course be taken not to build up unnecessary debt.
To help compare credit cards in Norway, the government has issued strict guidance on how they can be advertised. We've included important information next to each option below.
By comparing different offers and understanding the terms, you can find a credit card that suits your financial needs and lifestyle.
Who Can Apply for Credit Cards in Norway?
Once you are settled living in Norway, it's possible to apply for and obtain a credit card, subject to you meeting minimum criteria.
Most Norwegian banks and credit card issuers require applicants to have a stable income, a valid residence permit, and a Norwegian national identification number. Additionally, having a Norwegian bank account and a registered address is essential.
Most lenders require a certain length of residence in Norway, usually one to three years, and a good credit history. Typically, Norwegian credit card issuers will expect to see at least one full year's tax return, so in practice it might be up to two years before you are accepted.
While the application process can vary between providers, many offer online applications with quick responses. This is done by signing the application via BankID, which allows the lender to access and review your financial information.
Listed below are some selected providers for you to consider. Please note that we may receive a small commission if you sign up for one of these cards, which helps to cover the cost of running this website. There is no additional cost to you.
Bank Norwegian Credit Card
Frequent travellers should consider the Bank Norwegian Credit Card. In addition to no annual fee and up to NOK 150,000 in credit, the card allows the user to earn CashPoints, which can be redeemed for free flights with Norwegian.
When using your Bank Norwegian card, you get 0.5% ‘cashback' (in the form of CashPoints) on all purchases. That rises to between 3% and 5% when purchasing flight tickets with Norwegian.
Apply Now for the Bank Norwegian Credit Card
Important Information: Example for deferred payment: Effective interest rate 24.4%, 15,000 NOK over 1 year. Cost: 1,849 NOK. Total: 16,849 NOK.
When using the card in a currency other than Norwegian kroner, there is a currency surcharge of 1.75% of the exchange rate set by VISA.
Travel Benefits with Re:member Black
Another good option for regular travellers is the Re:member Black card. This provides up to 45 days of interest-free credit and a credit limit of up to NOK 150,000.
Travel and cancellation insurance is included when using your card to purchase travel, while a cashback program offering up to 20% cashback in more than 200 online stores is also available.
Apply Now for the Bank Norwegian Credit Card
Important Information: Example for deferred payment: Effective interest rate 24.4%, 15,000 NOK over 1 year. Cost: 1,849 NOK. Total: 16,849 NOK.
There are of course many different financial products out there on the market. However, I hope this article helps you understand how credit cards in Norway work, and whether there is one out there for you.
Please understand that we are not financial experts and cannot provide any financial advice. We also cannot help you with the application process.