Understand how personal credit works in Norway, and how to get a credit card as a foreign citizen living in Norway.
SPONSORED CONTENT: This article contains links to various credit card companies in Norway. Should you submit an application, we may receive a commission from the credit company at no extra cost to you.
Both credit and debit cards are widely accepted in Norway at most shops, restaurants, attractions and hotels.
Holders of Visa, Eurocard, and MasterCard should be able to pay in the vast majority of places. Some smaller venues may not accept credit cards, but this is becoming much less common.
Digital payment solutions that connect to credit cards are also becoming popular. This includes systems such as Apple Pay.
How to get a credit card in Norway
Once you are settled living in Norway, it's possible to apply for and obtain a credit card, subject to you meeting minimum criteria.
While credit cards can be valuable tools for managing your personal and household finances, care should of course be taken not to build up unnecessary debt.
Not Norwegian? Once you have been living in Norway for at least one year, you have the opportunity to apply as long as you are in full-time employment and have paid all household bills on time.
Typically, Norwegian credit card issuers will expect to see at least one full year's tax return, so in practice it might be up to two years before you are accepted.
Compare Norwegian credit cards
Listed below are some selected providers for you to consider.
Please note that we may receive a small commission if you sign up for one of these cards, which helps to cover the cost of running this website. There is no additional cost to you.
To help compare credit cards in Norway, the government has issued strict guidance on how they can be advertised.
In the chart above you will see various pieces of information about the cards. Maks kreditt is the maximum allowable credit limit from that issuer, although in practice your own credit limit will be based on your income.
A credit limit of around 10-15% of your annual salary is typical, so if you earn 400,000kr you can expect to be offered a credit limit of 40,000kr, possibly slightly higher.
Read also: How residents of Norway can earn free flights with Norwegian
Årsavgift is the annual fee payable. There is also a statuary statement of the cost of borrowing a set amount of money over a 12 month period.
Click vis mer (view more) to learn more information, such as the number of interest-free days and the charges payable for withdrawing cash both in Norway and abroad.