
Avida Gebyrfri Gold
- No annual fee
- Travel insurance, subject to conditions
- Discount programme
Effective interest rate: 23.4 %. Borrowed amount: 15,000 kr / 12 months. Borrowing cost: 1,780 kr. Total repayment: 16,780 kr.
Compare cards whose issuer confirms included travel insurance, then check whether your trip meets the policy conditions.
Real conditions. Published costs. No promise of approval.
8 · Published card conditions; this is not a comparison of the entire market. How we compare

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

Effective interest rate: 24.4 %. Borrowed amount: 15,000 kr / 12 months. Borrowing cost: 1,849 kr. Total repayment: 16,849 kr.
Effective interest rate: 24.55 %. Borrowed amount: 15,000 kr / 12 months. Borrowing cost: 2,001 kr. Total repayment: 17,001 kr.

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

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

Effective interest rate: 32.69 %. Borrowed amount: 130,000 kr / 12 months. Borrowing cost: 20,827 kr. Total repayment: 150,827 kr.

Effective interest rate: 25.28 %. Borrowed amount: 95,000 kr / 12 months. Borrowing cost: 11,977 kr. Total repayment: 106,977 kr.

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.
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Included insurance is conditional. Check which travel expenses must be paid with the card, the required share of those expenses and when the relevant policy applies. Bank Norwegian’s qualifying payment rules changed for journeys booked from August 2026. A payment percentage on its own cannot establish that a trip is covered.
Read the current insurance document for the insured people, trip length, destination, age limits, medical exclusions and cancellation cover that matter to you. The cards in this list do not necessarily provide the same protection. A benefit name is not evidence that your particular loss would be reimbursed.
Insurance should be assessed alongside membership charges, foreign-exchange markup and repayment terms. Start with a card’s details and follow the issuer’s policy link before booking. A covered trip does not make borrowing or cash withdrawals interest-free.
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