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Effective interest from 21.66%. Nominal rate varies between cards.
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Compare credit cards in Norway

Compare credit cards and pick the best one

Five credit cards side by side: interest, fees, rewards and insurance. Apply for several with a single application via Axo Finans, and pick the card that fits you best.

  • Apply for several credit cards with one application
  • Get benefits matched to how you spend
  • Pick the card that suits you best
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Our credit cards

Five credit cards we compare in May 2026. Effective rate, credit limit and benefits side by side, so you can choose based on how you spend.

Full comparison
TF Bank
TF Bank Mastercard
Completely fee free
Eff. rate
26.69%
Credit limit
NOK 200,000
Interest free
43 days
DealPass gives up to 30% off with a price guarantee
0% foreign transaction fee, completely fee free worldwide
Travel and cancellation insurance included for 70 days
ID theft insurance included at no cost

Effective rate 26.69%, NOK 25,000 over 12 months. Cost NOK 3,337, total NOK 28,337.

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Best for travel
Bank Norwegian
Bank Norwegian credit card
Eff. rate
24.4%
Credit limit
NOK 150,000
Interest free
45 days
CashPoints for Norwegian flights or cashback on every purchase
Travel and cancellation insurance with unlimited medical cover
Fee-free cash withdrawals worldwide, with the interest-free period intact
Apple Pay, Google Pay, Samsung Pay and Garmin Pay

Effective rate 24.4%, NOK 15,000 over 12 months. Cost NOK 1,849, total NOK 16,849.

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Morrow Bank
Morrow Bank credit card
Best for online shopping
Eff. rate
28.77%
Credit limit
NOK 100,000
Interest free
50 days
4% reward at Komplett.no, 2% on online shopping, 1% on everything else
50 days interest-free credit, the longest in our line-up
Purchase protection up to NOK 25,000 and ID theft insurance included
90-day travel insurance, the longest in Norway

Effective rate 28.77%, NOK 12,000 over 12 months. Cost NOK 1,726, total NOK 13,726.

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re:member
re:member credit card
Discounts in 200+ shops
Eff. rate
29.89%
Credit limit
NOK 150,000
Interest free
45 days
re:member Reward gives up to 20% off at Nike, Hotels.com and more
Travel insurance for you, partner and children under 21 for 90 days
Up to two payment-free months per year
Credit limit up to NOK 150,000

Effective rate 29.89%, NOK 15,000 over 12 months. Cost NOK 1,695, total NOK 16,695.

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Instabank
Instabank credit card
Lowest rate
Eff. rate
21.66%
Credit limit
NOK 100,000
Interest free
0 days
17.9% nominal rate, one of the lowest in Norway
5% monthly discount in rotating categories
Fixed 5% green discount on public transport and EV charging
Transfer credit straight to your bank account

Effective rate 21.66%, NOK 45,000 over 12 months. Cost NOK 4,963, total NOK 49,963.

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What do you need the card for?

Pick your situation and we point you to the card that gives the most back.

Travel
No foreign transaction fee, travel rewards and insurance included.
See the card
Online shopping
Rewards and purchase protection when you shop online.
See the card
Lowest rate
For when you may split a purchase across months.
See the card
No fees
No annual fee and no foreign transaction surcharge.
See the card

Questions and answers

The things people ask most about credit cards, interest and applying.

All questions
What should I look for when choosing a credit card?
Effective rate, interest-free period, foreign transaction fee and benefits like rewards or travel insurance. Pick the card whose main benefits match how you actually use it — a travel card if you travel, a rewards card if you shop a lot online, a low-rate card if you sometimes split payments.
Is it free to use a credit card?
It is free if you settle the full balance within the interest-free period. Then you pay no interest and no fees on purchases. Of the cards we show, four out of five have no annual fee and two have 0% foreign transaction fee.
How quickly do I get an answer on a credit card application?
With a BankID-signed application many issuers give a preliminary answer in minutes. The physical card by post usually takes a few days to two weeks, and you can often add it to Apple Pay or Google Pay in the meantime.
Do I need a stable income to get a credit card?
As a rule, yes. Issuers require a stable income, age 20 or above, a registered address in Norway and no active payment defaults. The credit limit is set individually after a credit check.
Can I use a credit card abroad?
Yes, credit cards work worldwide wherever Visa or Mastercard is accepted. Watch for the foreign transaction fee — the surcharge when you use the card in foreign currency. TF Bank Mastercard and Bank Norwegian credit card have 0% foreign transaction fee in our selection.

Apply for several credit cards with one application

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