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Effective interest from 21.66%. Nominal rate varies between cards.
Norsk Compare cards

Best credit cards in Norway 2026

Last updated: 4 July 2026 · Next review: October 2026

Five credit cards in Norway side by side, updated July 2026. The lowest effective rate is 21.66% (Instabank), the highest credit limit is NOK 200,000 (TF Bank). Apply for several with one application via Axo Finans.

The best credit card depends on how you use it. Bank Norwegian is best for travel with 0% foreign transaction fee, Morrow Bank gives the most on online shopping with up to 4% back, and Instabank has the lowest effective rate at 21.66%. Below we compare all five on rate, credit limit, interest-free period and benefits.

Card Eff. rate Credit limit Interest free Best for
TF Bank Mastercard 26.69% NOK 200,000 43 days Completely fee free Apply
Bank Norwegian credit card 24.4% NOK 150,000 45 days Best for travel Apply
Morrow Bank credit card 28.77% NOK 100,000 50 days Best for online shopping Apply
re:member credit card 29.89% NOK 150,000 45 days Discounts in 200+ shops Apply
Instabank credit card 21.66% NOK 100,000 0 days Lowest rate Apply
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.

Read more Apply
Bank Norwegian
Bank Norwegian credit card
Best for travel
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.

Read more Apply
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.

Read more Apply
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.

Read more Apply
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.

Read more Apply

How we rate the cards

Kredittkortninja compares five credit cards from TF Bank, Bank Norwegian, Morrow Bank, re:member and Instabank. We do not rank by commission: every card uses the same application flow via Axo Finans, so the assessments are driven by the terms alone. This is what we weigh:

  • Effective interest rate. The total cost if you pay down over time. The lowest in our selection is Instabank at 21.66%, the highest is re:member at 29.89%.
  • Fees and foreign transaction surcharge. Annual fee, withdrawal fees and surcharges abroad. TF Bank Mastercard and Bank Norwegian have a 0% foreign transaction fee.
  • Interest-free period. How long you can defer payment without interest. The longest is Morrow Bank at 50 days, while Instabank has no interest-free period.
  • Benefits you actually use. Cashback, rewards, discounts and insurance, valued by what they are worth in kroner for a typical Norwegian household.

The figures are checked against the issuers’ own price lists. Terms can change, so always check the current conditions with the issuer before applying.

Questions and answers

All questions
How does Kredittkortninja choose cards?
We show five cards that cover the most important use cases in Norway: travel, online shopping, lowest rate, completely fee free and in-store discounts. The selection is reviewed quarterly and changes are justified editorially on the relevant card page.
Why do you only show five cards?
Fewer cards lets us give a proper editorial review of each one rather than a long list. Each card covers a distinct use profile, and we show them in the same order to every visitor regardless of commission agreements.
What does "Best for travel" or "Lowest rate" mean?
It is our editorial positioning of each card based on the actual terms from the issuer — not a ranking or star rating. "Lowest rate" means the card has the lowest effective rate in our selection; "Best for travel" means the card has the strongest travel benefits.
How often are the rates and terms updated?
We review rates, fees, credit limits and insurance terms at least quarterly, and more often when issuers make material changes. Each card page shows the date of the latest review and the next scheduled review.
Which credit card has the highest credit limit?
Of the cards we compare, TF Bank Mastercard has the highest credit limit at up to NOK 200,000. The final credit limit is set individually by the issuer based on your credit check and may be lower than the maximum.
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