SEB credit card application online Sweden requirements and rates

What if one simple decision could give a shopper up to 60 dagar without interest and a suite of useful protections?

The overview explains how a person in Sweden can complete an application online and begin using a new kort for everyday purchases. It highlights the annual fee of 295 kronor, a nominal interest rate near 14.64%, and an example effective rate on a 20,000 kronor balance so readers see the total cost over tid.

Readers learn about billing around the 15th each month, e-invoice and Autogiro options, and minimum monthly payments that keep accounts manageable. The text also notes ATM limits, activation methods via app or internet bank, and benefits that enrich the plånboken, like split payments and purchase protection.

The section previews perks such as Mastercard Priceless experiences across the världen and travel lounge access, and it flags the sustainability step of a biodegradable card body. It urges responsible use and points to debt counseling if repayment becomes difficult.

SEB Credit at a glance: simple requirements, competitive rates, and everyday perks

A single, well-designed payment option can offer up to 60 dagar interest-free and built-in protections for everyday köp.

The annual fee is 295 kronor and the nominal rate sits at 14.64 procent. An example effective rate shows about 15.98% on a 20,000 kronor balance when fully used for a year.

Purchase insurance starts from day one with 90 days price protection, 90 days purchase protection, and a 1-year extended warranty on eligible white goods and electronics paid with the card.

The app lets users view invoices and balances, track withdrawals, change purchase limits, request extra kort, check PIN, and open or close internet purchases. Users can also split payments to smooth larger bills.

Everyday perks include Mastercard Priceless erbjudanden, Tapster wearables with a standing rabatt, Stopservice for extra identity help, and access to Menzies lounges at Arlanda and Landvetter.

The card body uses biodegradable plast—about 84% cornstarch—so eco-conscious shoppers get durability with a smaller footprint. For settings and tailored advice, läs mer within the app or internet bank.

SEB credit card Sweden application online: who qualifies and what they need

Applying through the bank’s app is the quickest way to get a decision and start using your new payment option.

The in‑app flow lets a private individual tap SEB Credit in the account overview, choose the card icon, and submit details. Most people receive a near‑instant decision and immediate tillgång to set limits and activation options once approved.

kortet must be activated before internet purchases. Activation can be done with a PIN purchase or withdrawal, via the internet bank, in the app, or by calling 0771‑365 365. An extra card can be added for anyone 18+; the main cardholder remains responsible and must set a combined limit that covers both users.

Invoices arrive around the 15th each month. E‑invoice and Autogiro are available to keep the belopp predictable and avoid late marks. Paper invoices carry a 25 kr fee.

ATM access is 10,000 kr per day and 20,000 kr over a four‑day rullande period. Foreign withdrawal limits vary by country, so plan cash needs ahead of travel.

Manage the product as a form of lån and act responsibly. If repayments falter, a payment remark may follow; municipal budget help and debt counselling via Konsumentverket can assist. Note that interest deduction rules will change through 2025–2026.

Full terms and insurance details are available as pdf files on the official site for anyone who wants to read every clause. For help with e‑ID and digital mailbox steps, Betalningshjälpen provides clear guides.

Confirm eligibility and limits inside the app where the decision, limit options, and tillgång to settings appear immediately. For step‑by‑step help, läs mer in the bank’s official channels.

Rates, fees, and limits: what it costs and how billing works

Simple facts about the annual price, interest, and withdrawal limits give a practical view of total cost.

The annual price is 295 kronor and the nominal rate is 14.64 procent per year. An illustrative example shows an effective rate of 15.98% on 20,000 kronor, with total payable of 22,979 kronor if fully used for one year.

The minimum monthly belopp equals one twentieth of the credit amount. Invoices arrive around the 15th each month. Customers can enable e‑invoice in the app or internet bank to avoid the 25 kr paper fee, and Autogiro can settle either the minimum or the full balance automatically.

Cash access from the kort is limited to 10,000 kronor per day and 20,000 kronor across a rolling four‑day period; foreign withdrawal limits vary by country. If an account goes to collection, the prevailing annual interest applies for that period, increasing the total sum due.

Included protections—90 dagars price and purchase protection plus a 1‑year extended warranty—help offset the yearly cost. Full terms and insurance details are published as pdf documents for anyone who wants to read every clause.

Benefits that add real value: insurance, travel access, pay options, and sustainability

Included perks such as travel insurance, purchase protection and lounge access boost everyday value. The reseförsäkring covers cancellation, trip delays and delayed baggage when at least half of travel costs are paid with the kort. Travelers get practical support without extra booking steps.

The köpförsäkring portion includes 90 dagars price protection, 90 dagars purchase protection against theft or accidental damage, and a 1‑year extended warranty on qualifying white goods and electronics. Keep original receipts to speed any claim.

Mastercard Priceless brings curated experiences in the världen, while airport tillgång to Menzies lounger at Arlanda and Landvetter offers drinks, snacks, Wi‑Fi and newspapers before departure. Wearables linked to Fidesmo Pay let users pay by tapping a ring, watch or keyring, and a standing rabatt of 30% applies to Tapster purchases.

Stopservice helps with ID theft and lost valuables for 297 kr/year for eligible holders. The kortet is made of 84% biodegradable plast from cornstarch to lower environmental impact. For disputed köp, block the kort, contact the merchant, then file a claim with the issuer and a police report if needed. Readers should läs mer in the official terms to confirm precise coverages and claim rules.

Ready to apply and start using your kort?

.

A few taps in the SEB app moves a new kort from idea to your plånboken. Select SEB Credit in account overview, tap the card icon and expect a decision within minutes. Activate via a PIN purchase or withdrawal, the internet bank, the app, or by calling 0771‑365 365.

Set e‑invoice or Autogiro to avoid the 25 kronor paper fee and to keep payments on time. The annual fee is 295 kronor and the nominal rate is 14.64 procent (an example shows 15.98% on 20,000 kronor with a total of 22,979 kronor for one year). The minimum each month equals one twentieth of the credit amount.

Plan ATM use—10,000 kr per day and 20,000 kr over a rullande period of four days. Explore day‑one perks like Mastercard Priceless erbjudanden, Tapster via Fidesmo Pay, and Menzies lounger when they ska flyga. Läs mer in the product pdfs and contact Stopservice if identity help is needed.