Curious whether one card can combine flexibility, travel protection, and clear fee terms for everyday life in Sweden?
This introduction explains what the product offers and who it suits. It highlights 60 days interest-free use, split-payment options, bundled travel and purchase insurance, and a 295 kronor annual fee. The nominal interest is 14.64% and the effective example shows 15.98% on a 20,000 kronor balance.
The text also previews how statements arrive around the 15th, with e-invoice and autogiro options, and a 25 kr paper invoice fee. Activation can be done with a PIN purchase, internet banking, the bank app using Mobile BankID, or by phone.
Readers will get practical information about extra cards for family members 18+, app features for tracking unbilled purchases, and where to find support if repayment becomes difficult. This sets the stage for a clear, step-by-step walkthrough ahead.
What SEB Credit offers in Sweden right now
This section gives a clear snapshot of what the kort includes today. It highlights flexible payments, insurance, fees, and practical limits that matter for daily life and travel.
The card offers up to 60 dagars räntefri on purchases and an option to split payments for larger expenses. Annual fees are 295 kronor. The nominal rate is 14.64 procent and an example shows an effective 15.98 procent on 20,000 kronor (22,979 kronor total if used for a year).
Bundled protections include reseförsäkring with cancellation cover when over half the trip is paid with the kort. Köpförsäkring has three parts: 90‑day price protection, 90‑day theft/damage cover after sudden events, and a one‑year extended warranty on eligible electronics and white goods.
Practical limits: ATM withdrawals max 10,000 SEK per day and 20,000 SEK over four days. A paper invoice costs 25 kr. The kortet is valid five years and renews automatically before expiry.
Perks include Mastercard Priceless upplevelser and curated erbjudanden in Sweden and around the världen. Wearable pay options (Tapster via Fidesmo Pay) have a 30% discount for customers. Lounge access, StopService and a currency conversion comparison tool are also available. For full terms, läs mer in the official policy documents.
SEB credit card Sweden application guide: step-by-step to apply and activate
Applying through the bank’s app is the fastest route and often gives a decision within minutes. The user taps seb credit in the account list, then the card icon at the top right to complete the request.
For those who prefer paper, a postal form is available but may take more tid to process. Make sure all information is correct to avoid delays.
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When the plastic arrives, activate kortet before any online checkout. Activation works by making a chip‑and‑PIN purchase or an ATM cash withdrawal, or by using Accounts & Cards in internet banking.
The app also activates cards from the same card icon area, or applicants can call 0771-365 365 for help. Mobile BankID is required to log into the app.
Extra cards can be added for partners or family 18+, but the primary holder stays responsible. Limit increases can be requested and are capped at 20 procent of annual income.
Users can view unbilled purchases and the latest invoice in the app. For full documentation and further information, läs mer in the bank’s official pages.
*You will stay on the same site.
Using your SEB Credit after approval: payments, försäkringar, and smart features
After approval, the account gives straightforward tools to track spending, set limits, and use bundled protections.
Statements arrive around the 15th each month and show the previous cycle’s transactions. The primary holder can enable e‑invoice in internet banking or the app to avoid the 25 kronor paper fee. Autogiro is also available for automatic payments.
The kort offers up to 60 dagars räntefri on purchases. If the holder opts for the minimum—one‑twentieth of the balance—interest applies on the remaining amount at the stated procent until paid.
Travel reseförsäkring applies when more than 50% of a trip is paid with kortet. It covers cancellation, delayed arrival, and delayed baggage per the policy. Köp‑försäkring includes 90‑day price protection, 90‑day purchase protection, and a one‑year extended warranty; keep original receipts for claims.
Perks include Mastercard Priceless upplevelser and curated erbjudanden in Sweden and cities around the världen. Tapster wearables via Fidesmo Pay let users tap to pay; SEB customers get a 30% device discount.
ATM access is capped at 10,000 kronor per day and 20,000 kronor over four rolling days. The app gives tillgång to balance, invoices, unbilled purchases, PIN view, and purchase‑control toggles.
For disputes, contact the merchant first. If unresolved, submit a claim to the bank. In case of unauthorized transactions, block the kort immediately and file a police report. For extra protection, StopService is available at 297 kr/year—läs mer in the service pages.
Next steps to apply with confidence and manage your kredit responsibly
Taking simple actions now reduces the risk of payment remarks and keeps finances stable over tid.
Before applying, confirm identity and Mobile BankID, review income and expenses, and pick a initial limit you can repay within the 60 dagars räntefri window.
Budget to avoid carrying balances. If needed, spread payments over extra dagars only and pay well above the minimum so procent‑based interest stays low.
Note policy changes: the interest deduction on unsecured lån is phased out — half deductible in 2025, then removed in 2026. Long‑term balances will likely cost more.
If repayment problems appear, seek municipal budget and debt counseling via the Consumer Agency. Outstanding lån or payment remarks can affect future tillgång to housing, subscriptions, and new lån.
Remember extra cards share one limit and responsibility rests with the primary holder. StopService is available for private and företagskort at 297 kr/year. The plast body is 84% biodegradable; factor material into decisions.
Finally, review reseförsäkring and Priceless upplevelser details, enroll for e‑invoice, set up autogiro, save the support number, and läs mer on the bank’s site for updated information and claim rules.
