Credit cards and costs · Norge

Credit cards without an annual fee

Find cards with no annual fee, then check what you would pay for the way you use the card.

Credit cards · Norge

Compare credit cards

Real conditions. Published costs. No promise of approval.

8 · Published card conditions; this is not a comparison of the entire market. How we compare

Avida Gebyrfri Gold

Avida Gebyrfri Gold

  • No annual fee
  • Travel insurance, subject to conditions
  • Discount programme
Last checked: Source
Annual fee0 kr
Interest-free period for purchasesUp to45 daysFull repayment by the due date, subject to card conditions.
Effective interest in the provider’s example23.4 %
Credit limit Not verified. Ask the provider.
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Cost example

Effective interest rate: 23.4 %. Borrowed amount: 15,000 kr / 12 months. Borrowing cost: 1,780 kr. Total repayment: 16,780 kr.

Bank Norwegian-kortet

Bank Norwegian-kortet

  • No annual fee
  • Travel insurance, subject to conditions
  • CashPoints or cashback programme
> 18 yearsBankID
Last checked: Source
Annual fee0 kr
Interest-free period for purchasesUp to45 daysFull repayment by the due date, subject to card conditions.
Effective interest in the provider’s example24.4 %
Credit limitUp to 150,000 kr
Visit providerDetails
Cost example

Effective interest rate: 24.4 %. Borrowed amount: 15,000 kr / 12 months. Borrowing cost: 1,849 kr. Total repayment: 16,849 kr.

Ikano Visa

Ikano Visa

  • No annual fee
  • Travel insurance, subject to conditions
BankID200,000 kr
Last checked: Source
Annual fee0 kr
Interest-free period for purchasesUp to50 daysFull repayment by the due date, subject to card conditions.
Effective interest in the provider’s example24.55 %
Credit limitUp to 100,000 kr
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Cost example

Effective interest rate: 24.55 %. Borrowed amount: 15,000 kr / 12 months. Borrowing cost: 2,001 kr. Total repayment: 17,001 kr.

Instabank kredittkort

Instabank kredittkort

  • No annual fee
  • Discount programme
23 yearsBankID250,000 kr
Last checked: Source
Annual fee0 kr+ 40 kr / per month
Interest-free period for purchases0 days
Effective interest in the provider’s example22.85 %
Credit limitUp to 100,000 kr
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Cost example

Effective interest rate: 22.85 %. Borrowed amount: 45,000 kr / 12 months. Borrowing cost: 5,219 kr. Total repayment: 50,219 kr.

Interest accrues from the first day; no interest-free period.
Morrow Bank kredittkort

Morrow Bank kredittkort

  • No annual fee
  • Travel insurance, subject to conditions
  • Mobile wallets
20 yearsBankID
Last checked: Source
Annual fee0 kr
Interest-free period for purchasesUp to50 daysFull repayment by the due date, subject to card conditions.
Effective interest in the provider’s example28.77 %
Credit limitUp to 100,000 kr
Visit providerDetails
Cost example

Effective interest rate: 28.77 %. Borrowed amount: 12,000 kr / 12 months. Borrowing cost: 1,726 kr. Total repayment: 13,726 kr.

re:member black

re:member black

  • No annual fee
  • Travel insurance, subject to conditions
  • Discount programme
18 years
Last checked: Source
Annual fee0 kr
Interest-free period for purchasesUp to45 daysFull repayment by the due date, subject to card conditions.
Effective interest in the provider’s example29.89 %
Credit limitUp to 150,000 kr
Visit providerDetails
Cost example

Effective interest rate: 29.89 %. Borrowed amount: 15,000 kr / 12 months. Borrowing cost: 1,695 kr. Total repayment: 16,695 kr.

re:member gold

re:member gold

  • No annual fee
  • Mobile wallets
18 years
Last checked: Source
Annual fee0 kr
Interest-free period for purchasesUp to45 daysFull repayment by the due date, subject to card conditions.
Effective interest in the provider’s example20.15 %
Credit limitUp to 150,000 kr
Visit providerDetails
Cost example

Effective interest rate: 20.15 %. Borrowed amount: 15,000 kr / 12 months. Borrowing cost: 1,215 kr. Total repayment: 16,215 kr.

TF Bank Mastercard

TF Bank Mastercard

  • No annual fee
  • Travel insurance, subject to conditions
  • Discount programme
18 yearsBankID
Last checked: Source
Annual fee0 kr
Interest-free period for purchasesUp to43 daysFull repayment by the due date, subject to card conditions.
Effective interest in the provider’s example26.69 %
Credit limitUp to 200,000 kr
Visit providerDetails
Cost example

Effective interest rate: 26.69 %. Borrowed amount: 25,000 kr / 12 months. Borrowing cost: 3,337 kr. Total repayment: 28,337 kr.

Effective interest includes borrowing fees. Paying in full by the due date may avoid purchase interest; check the card conditions. Examples use different borrowed amounts. Their total costs are not directly comparable.

No affiliate links are connected yet. Links currently take you directly to the provider.

Check recurring charges

An annual fee of zero does not mean every statement or transaction is free. Instabank publishes a monthly statement fee, so its recurring charge matters even though the annual fee field is zero. The list excludes a card when a confirmed upcoming annual membership charge would make a no-annual-fee label misleading.

SourceInstabank credit card: current Visa product, prices and eligibility · American Express Norway: SAS Amex Classic prices and representative example ·

Compare the cost of your usage

If you repay eligible purchases in full within the issuer’s conditions, purchase interest may not arise on a card with an interest-free period. Carrying a balance, withdrawing cash or paying in another currency can add different costs. Read the representative credit example and cash-withdrawal terms beside the annual fee; the examples use different borrowing amounts and are not an equal-cost comparison.

SourceBank Norwegian credit card product and pricing · Morrow Bank credit card, prices and eligibility · TF Bank Mastercard product, price list and application FAQ ·

Check the application requirements

Open the product details to see the verified requirements and the issuer’s current application route. Missing eligibility information is marked as unknown. Having no annual fee says nothing about whether your credit application will be approved.

SourceBank Norwegian application process and BankID signing · TF Bank credit card eligibility ·

Your next step

Eligibility conditions do not guarantee approval.

Before you apply for a credit card

Compare credit cards

Credit cards without an annual feeCredit cards with travel insuranceCredit cards with cashback and discountsCredit cards by purchase interest rateCredit cards with EuroBonus points

How we compare

We display provider-published prices and conditions, link to original sources, and record when they were checked. Unknown requirements are marked for verification. No paid ranking or invented scores.

How we compare