Last updated:
May suit
- You want to choose between cashback and Norwegian CashPoints.
- You repay the full bill and want to compare a card without an annual fee.
What to watch for
- The 1.75% currency markup still applies despite a NOK 0 annual fee.
- An ATM owner may charge separately.
- Travel insurance requires the qualifying payment share and all other policy conditions.
Rewards and the cost of borrowing
CashPoints and cashback are different ways to use rewards. Choose according to whether you actually buy Norwegian flights or prefer cashback towards the card bill. Rewards do not make deferred repayment cheap. The nominal purchase rate is 21.99%, and the representative example above shows a cost for borrowing over time.
Using the card when travelling
The card offers up to 45 interest-free days with full repayment by the invoice due date. Current bank information includes ATM withdrawals, but excludes transfers and bill payments. For journeys booked from 1 August 2026, at least 75% of transport and accommodation must be paid with the card to meet the insurance payment condition. Read the complete policy.
Applying after moving to Norway
The online application uses BankID and asks for a national identity number, or fødselsnummer. The bank assesses income, debt and payment history. Acceptance of new D-number applications, a numerical income minimum and a minimum residence period have not been verified. Ask the bank about identity and documents before applying. Having BankID does not guarantee a credit approval.
Questions and answers
Is the Bank Norwegian card free?
Its annual fee is NOK 0. Interest, currency markup and charges from an ATM owner can still apply. Transfers and bill payments accrue interest from the transaction date.
Are ATM withdrawals interest-free?
Current bank information allows interest-free purchases and ATM withdrawals if the whole invoice is repaid by its due date. The bank has no withdrawal fee, but an ATM owner can charge separately.
Can I apply with a D-number?
Acceptance for new card applications has not been confirmed. The application asks for a national identity number and uses BankID. Ask the bank to confirm your identification route before applying.
