Credit Card

Apply for Credit Card

Safe online payments with credit cards.


Easy application - several credit card options!

Credit card with interest-free period

Card limit of up to 150 000 NOK

Consumer Loan
Mortgage
Credit Card

Easy application - fast feedback

Credit card with interest-free period

Money for any purpose

More loans:

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Renovation Loan

Consumer Loan

Refinancing

Special Loan

Credit Card

FREE
TF Bank Mastercard
Interest rate 26.07%
Card limit 150 000 NOK
Interest-free period 43 days
Free card with free withdrawals worldwide
Free travel insurance and cancellations
<p class="rteBlock">Eff. interest rate<strong> 26.07%</strong>, 25 000 o/12 mos. Cost 3 265 NOK. Total cost 28 265 NOK.</p>
Bonus on all purchases
Morrow Mastercard
Interest rate 28.77%
Card limit 100 000 NOK
Interest-free period 45 days
Travel, cancellation, purchase and ID theft insurance included
Bonus for all purchases!
<p class="rteBlock">Eff. interest rate <strong>28,77%</strong>, 12 000 o/12 mos. Cost: 1 726 NOK. Total cost 13 726 NOK.</p>
Low interest rate
Instapay Mastercard
Interest rate 21.66%
Card limit 100 000 NOK
Interest-free period 0 days
One of the lowest interest rates on the market
Receive exclusive offers and discounts
<p class="rteBlock">Nom. interest 17,9% Eff. interest rate 21,66%, 45 000 o/12 mos. Cost: 4 963 NOK. Total cost 49 963 NOK.</p>
No annual fee
Bank Norwegian
Interest rate 24.4%
Card limit 150 000 NOK
Interest-free period 45 days
No annual fee
CashPoint or Cashback - Bonus on everything you buy
<p class="rteBlock">Eff. interest rate <strong>24,4%</strong>, 15 000 o/12 mos. Cost: 1 849 NOK. Total cost: 16 849 NOK.</p>

Apply for credit card today!

Select a credit card tailored to your needs. Order your card online - easily and quickly! Access the funds you need. The application is completely non-binding. We will help you compare offers to find the best solution for you!


Apply for credit card online:


  1. Fill in and submit your application form.

  2. Sign a contract with your BankID on the bank's website.

  3. You will receive a credit card after approval.


The offer is valid for a period of up to 30 days. You can complete all the formalities online with BANKID.

For your application prepare:

  • Card limit
  • First and last name
  • Personal Number 
  • E-mail address
  • Phone number

Simply submit your application! However, please remember you can contact us at any stage!

Apply for credit card if:

  • You are over 20 years old
  • You have an income of at least 230 000 NOK
  • Note: Every loan applicant is liable to a credit assessment.

All banks carry out a credit rating of the applicant. You can find details of your personal debt on: Gjeldsregisteret.no.

Credit Card Calculator

Credit Card Calculator

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All about Credit Cards

All about credit cards

  • How do I apply for a credit card?

    You can do so by completing an application on the banks' websites or through our form. To make the application process fast, prepare the necessary information. When you apply for a credit card, banks carry out a credit assessment. Your credit score is affected by, among other things: your age, income and any debts.
    We recommend applying for a credit card at several banks at the same time, which you can do with us. At Motty, we send your application to all the banks we partner with. In this way, you get an overview and comparison of multiple offers while saving your time. The application process is completely non-binding and free of charge.
    Credit cards give you financial flexibility. Just remember to pay the amount due within the interest-free period - then you do not have to pay additional costs.

  • What criteria do I need to meet to apply for a card?

    There are around 300 credit card providers in Norway. Different criteria apply. The basic requirements you must meet are:
    • You must be at least 18 or 20 years old.
    • You must have an annual income of at least NOK 50 000 or NOK 100 000 (before tax). Students must also prove income.
    • You must be a Norwegian citizen and have a Norwegian national insurance number.
    • You cannot borrow more than five times your gross annual income. Debt you have had before is taken into account when determining the amount of credit on your credit card.
    • Ongoing debt collection issues means you could be refused a credit card.

Bank rejected your application?

As long as you have several credit cards with remaining unused balances, when you apply for another credit card, banks will consider this as debt. However, you can clear the debt from the cards you are not using in order to get a new card. Check your debt at Gjeldsregisteret.no.


You can also ask us for expert advice. Call +47 465 42 951

How to apply for a credit card?

The market offers a variety of credit cards. Some will match your needs much better than others. By choosing the right card, you can save money and get the funds you need.

  • Apply online for a credit card from several banks at the same time with our online application form. 
  • Get feedback from banks in just 1 day!

Credit card for those, who prefer to repay at once

This is an offer dedicated to customers who have the ability to pay back quickly. And it is due to the guaranteed interest-free month! This means you can make a purchase, pay your credit card bill ahead of schedule and avoid being charged interest, which usually ranges from 22 to 24%. As an extra perk, you can collect bonus points and gain access to exclusive offers, discounts and other benefits - such as online purchase insurance.

Should I apply for a credit card?

Credit cards can provide you with flexibility, freedom and security. With a credit card, you have the ability to buy or pay for whatever you want or need without any savings. By having extra money on a card with benefits, for example, you can book trips with travel insurance. A big advantage of the card is that you shop securely online and abroad, as the credit card issuer takes responsibility in the event of online fraud. In addition, there are many benefits, including discounts and promotional offers from shops throughout the year all over the world.

The advantages of credit cards:

There are many advantages to using a credit card. Here are some of them:

  • Constant access to money
  • Bonus points and discounts
  • Travel insurance
  • Secure domestic and international payments and online payments
  • Control over expenses 
  • Possibility to pay in instalments
  • Possibility to benefit from an interest-free period


Benefits of credit cards for travel

You gain increased security when using your card on holiday. In the event of theft or fraud, you have better recourse and rights and greater security with the insurance included with your card.


What is the difference between a credit card and a debit card?

You can use both a credit card and a debit card freely - whether it's shopping, paying at restaurants or hotels. The difference between a credit card and a debit card is that you get extra discounts, great offers and bonus points when you use a credit card. In most cases you get more options and insurance, which means you are well protected against fraud and theft.

Refinancing a credit card

Consider refinancing if you have multiple credit cards and high debt. In this way, you can easily reduce your expenses as you can lower your high interest rates and remove the extra costs associated with high fees and instalments.


By applying for refinancing with Motty, you are guaranteed to receive multiple offers. We look for the refinancing loan that is best for you. How does credit card refinancing work? The bank pays off all your credit cards. Then it consolidates your debts into a brand new loan with a total lower interest rate and costs.


We help to clear credit card debt

The interest rate on a loan is often much lower than that offered on a credit card. Remember: Don't use credit cards to pay off other debts. Ask us to help you refinance to find better ways to get rid of your debt. We provide free and no-obligation assistance!

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