Last updated:
May suit
- You repay purchases in full by the due date.
- You want to assess DealPass discounts and conditional travel insurance.
What to watch for
- Nominal cash-withdrawal interest is 26.4%.
- Currency markup is 1.75%.
- D-number identification in account terms does not prove acceptance of a new online application.
Use current Avida terms rather than old Santander copy
Current credit terms dated 1 August 2026 name Avida Bank AB as creditor. Enfuce issues the Visa card and is not a party to the credit agreement. Older Gebyrfri Gold descriptions can name other companies or terms. This assessment uses the present Avida price list and product page. Check current discount and insurance conditions before relying on a benefit.
Fee-free does not make all transactions interest-free
Nominal purchase interest is 20.42%, and cash-withdrawal interest is 26.4%. The bank has no annual or cash-withdrawal fee, but cash and account transfers accrue interest from the posting or payment date under the terms. Qualifying purchases can have up to 45 interest-free days with correct full repayment. The complete example shows 23.4% effective interest for NOK 15,000 over 12 months.
New applicants need a direct answer
Account terms mention a national identity number or D-number for customer identification. This does not automatically confirm that new D-number card applications are accepted. Minimum age, income, residence duration and BankID requirements for new applications remain unconfirmed. Ask Avida about the application route. Travel insurance has a payment condition of at least 50% of the journey, with further limits in the full policy.
Questions and answers
Is Avida Gebyrfri Gold completely free?
The annual fee and bank withdrawal charge are NOK 0. Interest on cash and transfers, currency markup and ATM owner charges can still create costs.
Is Avida the same as Santander?
The current credit agreement names Avida Bank AB as creditor. Older Gold reviews can refer to a previous product version. Use today’s Avida terms when assessing the card.
Can I obtain the card with a D-number?
The terms mention D-numbers for customer identification, but acceptance of new applications is not confirmed. Ask Avida about identification and application requirements before applying.
