ICA Banken credit card online Sweden eligibility and conditions

Could a single payment solution make daily shopping easier and more transparent for loyal customers?

The bank launched in 2001 and grew into a full-service provider that serves private and corporate clients.

This section explains who typically qualifies, which costs to expect, and how applicants start an application with Mobilt BankID.

Readers learn how a kreditkort or bankkort fits with everyday purchases, and how ränta, belopp and kontot rules shape responsible use.

Services run through the website, apps, social channels, phone support, and select stores for hands-on help.

The overview highlights key steps: apply, review terms, activate the kort, and manage payments securely.

Why choose ICA Banken for a credit card in Sweden

Linking banking services to a popular store network makes routine purchases simpler and more rewarding.

The concept aims to ease daily life for regular shoppers. It reduces fees tied to external providers and boosts loyalty through familiar retail perks.

Services run through the website, apps, social channels and phone support. Selected banking help is also available in local ICA stores for hands-on assistance.

Integration with the grocery chain supports smooth checkouts and practical use for groceries and pharmacy visits. Customers can use the card at ica apotek and apotek hjärtat without extra steps.

Bonus schemes mirror grocery programs, so frequent köp hos ica can mean real value. Some offers even give dubbel bonus or extra bonus köp on qualifying purchases.

Users gain easy tillgång to accounts and a single point of contact for banking and shopping. Transparent pricing, digital-first tools, and retail reach make this a convenient choice for everyday finance.

Eligibility criteria for ICA Banken credit cards

To qualify, applicants should demonstrate reliable funds and meet age and ID requirements.

Applicants normally must be residents with valid identification and a verifiable source of income such as lön, pension, or student support. The lender reviews payment history and outstanding debts to assess affordability.

Those receiving csn or pension should show how regular inflows support repayment. Documentary proof may include recent statements or enrollment documents for csn pension kontot and other accounts.

Having a Swedish mobile number and access to digital identification speeds the process. The bank may check the kontot and recent transactions to confirm stability.

If income is irregular, applicants should demonstrate savings or steady transfers. Anyone with frågor can contact customer service by phone or digital channels for clarification before applying.

ICA Banken credit card Sweden online conditions

The digital terms explain how interest and fees affect carried balances and monthly due amounts.

Information shows how ränta is calculated, whether by day or month, and gives annual rate examples such as 0,75 ränta for promotional periods.

Details also describe the ränta belopp method and how a 0,75 ränta belopp may apply to specific offers.

Applicants should check minimum payment rules and rules for when a balance exceeds set levels such as belopp 000 or when the balance överstiger 000 thresholds that can change fees or limits.

Separate rules cover purchases versus cash withdrawals, any grace period, and standard fees for statements, foreign transactions, and late payments.

The portal explains kreditkort limits, how kontot ränta accrues, dispute handling, and how to request a limit review. Applicants can download the full terms and fee schedule at the bank website before applying.

How to apply online with Mobilt BankID

Start your application on the bank website and choose the desired product. The secure form launches in the browser or app so applicants can work step by step.

Use mobilt bankid to verify identity in real time. This matches personal details quickly and helps speed decision times.

Provide income, housing costs, and information about existing loans so the lender can assess affordability. Some data may be auto-verified, and you can upload supporting documents if prompted.

Review the summary of terms and consent disclosures before submitting. Then monitor the application status in the online area or app; notifications appear when action is needed.

If approved, the bank dispatches the physical kortet and may provision digital details in the app. Activation and initial security steps are completed digitally for fast first use.

If questions arise, consult the frågor svar pages or contact customer service by phone or app chat. After activation, customers can configure preferences and start göra betalningar in store and via digital wallets.