Choosing a Debit or Credit Card in Sweden
NEW TO SWEDENCARDS
Cards are the main way people pay in Sweden, with cash rarely used. If you’re new, a debit card linked to your bank account is the easiest way to start spending.
Debit cards
A debit card draws money directly from your account. They’re easy to get, help you stay within budget, and work for both in-store and online payments. Most come with contactless payments and can be added to mobile wallets like Apple Pay or Google Pay.
Credit cards
A credit card lets you borrow money up to a set limit, usually with interest if not paid in full. Benefits often include purchase protection, travel insurance, and rewards or cashback programs.
Choosing the right card
When selecting a card, consider:
Fees and interest
Rewards or cashback
Insurance and protections
Mobile payment compatibility
Kortio is Sweden’s largest card comparison site. It can help you find the cards that match your needs and lifestyle.
The table below lists some of the cards tested and trusted by My Swedish Finance.