Can one everyday travel spender save more by swapping to a modern rewards product that charges 0% on foreign purchases?
The opening of this roundup explains what Easyliving offers at a glance: no FX surcharge, no annual fee in year one (195 SEK after), up to 56 interest-free days, travel insurance, a free extra plastic, and a max limit near 50,000 SEK.
It also previews how this option stacks up versus notable rivals for card 2025, such as Bank Norwegian, re:member flex, and Swedbank Mastercard. Readers learn who benefits most from zero foreign exchange costs and who might prefer higher perks or lower effective rates instead.
This short intro sets expectations on annual costs after the first year, how interest-free days work, and the basics of approval timing. The article that follows gives clear, practical guidance to help shoppers shortlist the best credit card for their needs in Sweden.
At a glance: Collector Bank credit cards in Sweden for 2025
Here is a concise snapshot of Easyliving’s main perks and where it fits among popular payment products for 2025.
Easyliving offers 0% foreign exchange on purchases abroad, up to 56 interest-free days, and a 0 SEK annual fee in year one (195 SEK thereafter). Its listed credit limit tops out near 50,000 SEK, which suits most travel and daily needs.
The package includes comprehensive travel insurance and a free additional card for household use. The effective interest rate shown (18.67%) is competitive, but users should aim to pay before interest applies.
Compared to Bank Norwegian’s 0 SEK annual fee and 1.75% FX surcharge, Easyliving trades a small second-year annual fee for true 0% currency conversion. Re:member flex focuses more on retail discounts than FX savings, so international spenders often prefer Easyliving.
In a market with many credit cards, this option stands out for travellers who want predictable costs abroad without chasing high reward tiers. Use this snapshot to quickly compare credit cards and shortlist the best credit cards for your needs in 2025.
Collector Bank Easyliving: core features and value
Easyliving packages practical savings into a simple set of features aimed at travellers and everyday spenders.
The product charges 0% on foreign exchange for purchases abroad, removing the common 1.5–2% conversion surcharge and helping users save money on trips and online shopping in other currencies.
Cardholders get up to 56 interest-free days when they pay the full statement balance by the due date. This makes the effective APR of 18.67% avoidable for disciplined payers.
There is no annual fee in year one and a modest 195 SEK thereafter. A 50,000 SEK credit limit covers most travel and daily needs, while a free supplementary card simplifies household spending.
Comprehensive travel insurance comes included when trip payments meet activation rules, and the package focuses on cost control rather than premium lounges or reward tiers.
Overall, this credit card suits people who want straightforward savings abroad and predictable running costs from a card that keeps perks practical and easy to use.
Collector Bank credit card Sweden fees limits application
Readers will find a clear summary of costs, approval timing, and practical limits to help compare options fast.
The product waives the annual fee for year one and charges 195 SEK thereafter. It also offers 0% FX on purchases abroad, which can make it the best credit card for frequent travellers and international shoppers.
Cardholders get up to 56 interest-free days when they pay the statement in full. The listed maximum credit limit is 50,000 SEK, though the approved amount depends on income, debt and a UC check.
Travel insurance is included when trip payments meet the issuer’s rules, and a free additional card eases household spending. The effective APR is 18.67%, so paying on time avoids interest altogether.
Applying is simple: complete the online application form and expect a UC credit check. Decisions are often near-instant, with the physical card mailed after approval and account setup.
All fees explained: annual, foreign exchange, withdrawals, and more
A clear breakdown of common charges shows where users can truly save money.
Easyliving waives the annual fee for the first year and charges 195 SEK after that. That small yearly cost can be offset quickly by avoiding foreign exchange fees on trips or online purchases.
Purchases abroad carry 0% foreign exchange, which typically saves 1.65–1.75% per transaction versus many rivals. Using those savings on frequent euro or dollar spending often outweighs a modest second‑year cost.
Cash withdrawals vary by issuer. Some competitors offer 0% withdrawal fees, while many charge 1.5–3% plus a minimum. Avoid cash advances where possible; they often incur immediate interest and extra charges.
Up to 56 interest-free days is the main tool to keep borrowing costs at zero. If a balance remains, the stated effective APR is 18.67%, so minimize carried amounts to avoid paying interest rates.
Other possible charges include paper invoice and reminder fees. Switch to e‑billing and align the billing cycle with payday to reduce risk of late fees and better save money.
Credit limits in practice: approvals, increases, and caps
A listed maximum means little until a lender’s affordability check sets the actual spending room. Easyliving shows a 50,000 SEK cap, which is enough for many monthly budgets but lower than some rival offers.
Competitors often advertise higher ceilings: Bank Norwegian up to 150 000, Swedbank Mastercard up to 200,000, MoreGolf near 160,000 and re:member flex around 120,000. These figures matter when you compare credit cards for big bookings or household purchases.
Swedish issuers use UC data to set an initial credit limit and to decide approvals. Over time, on-time payments, steady income, and low utilisation support requests for higher credit. Many cardholders see increases after several months of responsible use.
Start with a workable limit and ask for growth once you have clean history. For frequent travellers with large monthly outlays, a high credit limit reduces the chance of declined transactions and keeps rewards flowing.
Interest and interest-free days: how to avoid interest charges
Smart timing of purchases can turn a month of spending into nearly two months of interest-free credit. Easyliving offers up to 56 interest-free days, which is at the generous end of the 45–60 day range that many Swedish issuers provide.
Interest-free days mean a window from purchase to the statement due date when paying in full prevents any interest. If a balance remains after the due date, interest applies; the listed effective APR for Easyliving is 18.67%.
To avoid charges, plan larger purchases right after a statement cut. That maximizes the free period. Always choose pay the full statement when possible. Partial payments lower the balance but still trigger interest on what is carried.
Compare products if carrying debt seems likely. Some credit cards advertise lower ongoing interest, and options with low interest can cost less over time. Watch out for cash advances: they usually start accruing interest immediately and lack interest-free days.
Set e-invoicing or autopay to support the ability pay on time. If flexibility is needed, review installment options and their rates before using them.
Insurance and protections that come with Collector
When trips are prepaid, built-in travel protection can spare travellers surprise bills and stress.
This product includes comprehensive travel insurance that activates when a required share of the trip is paid with the credit card. Typical coverages include cancellation, delay, baggage loss and accidental injury.
Family members often qualify if the primary traveller meets the eligibility rules, which broadens protection for couples and households. That makes the package useful for families who book together.
These protections are bundled into the account rather than sold as add-ons. For many frequent travellers, the inclusion helps save money compared with buying separate policies.
Keep supporting documents to speed claims: receipts, itineraries and the statement that shows the trip payment. Cardholders should read the policy to learn benefit limits, exclusions and claim steps.
Spending abroad: the advantage of 0% FX on Easyliving
Zero foreign exchange on purchases abroad turns everyday travel spending into clear, repeatable savings. Many Swedish issuers add a 1.65–1.75% conversion charge. Removing that surcharge lowers the sticker price for hotels, meals, and transport without changing how people pay.
Even occasional international buys—subscriptions billed in EUR or USD—benefit from the 0% rate. Pairing this with up to 56 interest-free days keeps both transaction and financing costs low for disciplined users.
Some competitors offset FX with rewards, but a straightforward 0% conversion avoids complex math when deciding which product truly helps save money. If ATM withdrawals are planned, users should compare withdrawal costs too, since cash fees interact with conversion rules.
Included travel insurance complements the FX savings by cutting potential out-of-pocket risks on trips. Over a year, modest monthly non-SEK spending often outweighs the modest second-year annual charge, making this a strong pick for those seeking the best credit card for travel in 2025.
Cash withdrawals and installment options
Withdrawing cash on a credit product often costs more than users expect and can erase travel savings fast.
Cash withdrawals usually trigger immediate interest and per‑withdrawal charges, so verify the issuer’s table before using ATMs abroad. While one issuer advertises 0% withdrawal fees, most charge 1.5–3% plus a minimum, which makes frequent small withdrawals expensive.
Use a debit account for routine cash and reserve a credit card for purchases. Installment plans can help on big buys, but effective costs vary. Check the advertised interest rate, any setup or monthly charges, and whether promotional zero‑interest periods apply.
Decide whether to choose pay the full balance or convert to installments by comparing total cost and cash flow. Remember that ongoing installment debt reduces available credit until it amortizes, which may affect future spending.
For travel, plan fewer, larger ATM withdrawals to cut per‑withdrawal minimums and watch local ATM surcharges on top of issuer charges.
Mobile wallets and ease of payment
Mobile wallets now turn a phone into the most convenient way to pay at home and abroad. Leading Swedish issuers support Apple Pay and Google Pay, so users can tap and go in stores or check out quickly in apps.
Tokenization replaces card numbers with secure tokens, and biometric checks add another layer of protection. That makes contactless purchases safer than handing over plastic at a till.
Stored tokens speed online checkout and cut the need to type long details. Some issuers also provide virtual cards inside apps for one‑time use, which helps with safer online shopping.
Before choosing a product, verify which wallets are supported for your device. Adding the same credit cards to phones, tablets, and wearables gives useful flexibility while travelling.
Wallet notifications help track spending in real time, which supports budgeting and timely payments. Pairing mobile wallets with 0% FX can make this the best credit card setup for frequent international use.
Who should choose Collector vs. other credit cards
Choosing between similar payment products comes down to whether you value FX savings, reward perks or low ongoing rates.
If zero foreign exchange charges rank first, Easyliving is a strong match. It offers 0% FX, up to 56 interest-free days, travel insurance and a free extra plastic for family use.
Those who need higher borrowing room or airline rewards may prefer Bank Norwegian, which can approve much larger limits and flight-related perks. Online shoppers who chase in-store deals often find re:member flex more rewarding thanks to merchant discounts.
People who sometimes carry a balance should consider low-rate alternatives such as Swedbank Mastercard. Families gain value from the free supplementary card and bundled travel insurance that protect group bookings.
In short, many credit cards target different priorities. Match the main need—FX savings, rewards, low rate or high ceiling—to the product that gives the best net value over a year.
How to apply in Sweden: steps, UC checks, and timelines
Begin the process by knowing priorities and gathering proof of income and ID. Then complete the issuer’s online application form with accurate personal and income details.
The issuer will run a UC credit check to review payment history, existing loans, and debt-to-income ratio. Typical eligibility requires age 18+, registration in the country, declared income, and no enforcement debts or payment remarks.
Many applicants receive near-instant decisions. Others may be asked to upload payslips or ID before approval. If approved, the offer will list the limit, interest and key terms, and the physical card arrives by mail.
To get credit at the best possible terms, check your UC report first and fix errors. Limit simultaneous requests and keep utilisation low to improve approval odds. If denied, common causes include low income, too many active loans, or recent missed payments.
Some comparison sites let you compare credit and submit one check for several products. Once active, set up e-invoices and alerts to support the ability pay on time and protect your score. Choosing the best credit card starts with a clear plan and a tidy credit file.
Side-by-side context: Collector Easyliving vs. Bank Norwegian, re:member flex, Swedbank
A direct comparison clarifies when zero FX beats larger borrowing room or generous discounts. Easyliving offers 0% FX, no annual charge year one and 195 SEK after, up to 56 interest-free days and a 50,000 SEK maximum.
Bank Norwegian has no annual fee, a higher ceiling (up to 150 000), 1.75% FX and cashback via CashPoints. That product gives bigger purchasing power but adds conversion costs unless rewards offset them.
Re:member flex focuses on merchant deals and fuel discounts, with up to 56 grace days and strong retail savings. Swedbank provides a low interest option (about 13.8%), wide acceptance and higher ceilings near 200,000 SEK, plus extensive insurance.
For those who mostly pay in full and travel often, the 0% FX is a clear win. If someone needs higher credit, cashback or low ongoing interest, compare credit cards to spot the best match for card 2025.
Read recent reviews credit and check acceptance; premium picks like american express can add lounge access but may have narrower merchant reach. Match priorities—FX, rewards, higher limits or low interest—before deciding.
Use cases and scenarios: when Collector shines
Real-life use cases reveal when a 0% foreign exchange option becomes the smartest choice.
City breaks and quick business trips benefit most. Paying for hotels, taxis and meals in local currency without extra conversion charges helps travellers save money with no extra steps.
International e-commerce also wins. Recurring subscriptions and marketplace purchases in EUR or USD cost less when processed with a 0% FX option rather than a product that adds conversion surcharges.
Family travel gets simpler. A free supplementary card plus included travel insurance streamlines shared spending and protects group bookings on the same account.
Budgeting improves by timing big buys early in the billing cycle to extend interest-free days and manage cash flow. Occasional travellers can often offset the second‑year annual cost with modest foreign spending.
For mixed wallets, use this account for overseas purchases and a rewards-focused product for cashback purchases at home. Students, freelancers and digital nomads find the setup handy for predictable, low‑hassle billing and the best credit outcomes for cross-border spending.
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Risks, responsibilities, and smart usage tips
Planning for emergencies and automating payments reduces the odds that an unexpected expense becomes a debt spiral. He or she should build a small emergency fund to avoid relying on revolving balances when things go wrong.
Missed due dates can cause payment remarks that hurt housing, subscriptions, and future loan approvals. In Sweden, UC profiles reflect payment discipline, so protecting that history matters.
Practical steps include setting alerts for due dates, switching to e‑invoicing, and enabling automatic full payments when possible. Keeping utilisation well below the available room signals low risk and supports future increases.
Avoid frequent cash advances; they often carry immediate interest and high per‑withdrawal charges. If overspending is a concern, lower the account ceiling or use budgeting apps to cap monthly outlays.
Compare credit options before applying to minimise multiple UC checks. If financial stress appears, contact the issuer early to explore hardship solutions instead of waiting for missed payments.
Review statements monthly to spot fraud and dispute unauthorised charges quickly. Use insurance benefits correctly to reduce out‑of‑pocket losses when travel or plans change.
Your next step toward the right credit card in Sweden
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A short checklist helps narrow options quickly so the right credit card fits daily routines and trips abroad.
First, read recent reviews credit and compare credit cards side by side on FX, interest-free days, insurance and perks. Use platforms that let you view cards sweden and the best credit cards in one place to speed decisions.
Narrow a shortlist by primary need. Some users seek 0% FX, others want higher limits or low ongoing rates. If ready, collect ID and income copies to get credit faster and avoid delays.
Consider applying for several credit with one UC check where offered. Set up e-invoice and payment alerts from day one. Reassess after a few months and adjust cards if needs change.
