Effective interest rate: 21.27 %. Borrowed amount: 50,000 kr / 12 months. Borrowing cost: 5,357 kr. Total repayment: 55,357 kr.
Points are not cash savings
EuroBonus points are used under the programme’s redemption rules. A stated earning rate does not establish a fixed cash value, an available seat or a free trip. Compare the points from spending you already plan to make, and keep travel availability and any additional booking charges separate.
Read the voucher conditions
Companion-style rewards require specified annual spending and have programme conditions. They reduce the points needed for qualifying bookings; the headline alone does not prove that every fare or destination qualifies. Open the issuer’s current voucher terms before deciding whether a reward fits the trips you expect to take.
Include the membership cost
Compare current membership charges and announced changes alongside foreign-exchange markup and borrowing costs. This collection is limited to the verified SAS Amex records and does not cover every EuroBonus card in Norway. Use the official product page for the current offer and application terms.


