Last updated:
May suit
- You repay purchases in full by the due date.
- You want to compare discounts and insurance without an annual fee.
What to watch for
- Cash withdrawals accrue nominal interest of 26.79% from the transaction date.
- Currency markup is 1.75%.
- Included travel insurance does not mean automatic cover for every journey.
Check whether the benefits fit your use
Discounts matter if you actually use the participating offers. Travel insurance requires qualifying card payment and all other policy conditions. The product page varies in its wording between 50% of the journey and transport costs. Check the full policy before relying on cover, particularly when booking for more than one person.
Credit limits and examples are different
The product page advertises a credit limit up to NOK 200,000 and a minimum requested limit of NOK 30,000. Its representative cost example nevertheless uses NOK 25,000 over 12 months. The example illustrates borrowing costs, not a promised limit. Nominal purchase interest is 22.65%, while effective interest in the example is 26.69%.
What applicants in Norway should clarify
The issuer states registered Norwegian residence, no payment remarks or active debt collection, and individual assessment of income and debt. The application uses BankID. The product page says minimum 18, while a help page says over 18. D-number acceptance and minimum residence duration remain unconfirmed. Clarify borderline cases with the bank before applying; an advertised maximum does not predict approval.
Questions and answers
Is TF Bank Mastercard fee-free?
The annual fee and bank withdrawal fee are NOK 0. Interest, currency markup and an ATM owner fee can still apply. Fee-free does not mean every transaction is free.
How long are purchases interest-free?
Up to 43 days, depending on purchase date and billing cycle, with payment under the terms. Cash withdrawals and transfers accrue interest from the transaction date.
Can I apply with a D-number?
Acceptance has not been confirmed. Registered Norwegian residence and BankID are documented requirements, but ask the bank about D-numbers. Age wording also differs between the product page and eligibility help.
