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Credit Cards in Norway
As of 2010, Noway has a population of 4.92 millions with a GDP(gross domestic product) of €312.73 billions. This
translates into €63.56 thousands of GDP per capita, one of the highest in Europe besides Luxembourg.
As at 31st December 2010, there are 12,084,000 payment cards issued in Norway(2.46 cards per capita, one of the highest in Europe besides United Kingdom),
an increase of 440,000 or 3.78% compares to 11,644,000 in 2009. Many cards have more than one payment function, e.g. BankAxept combined with Visa or MasterCard. There were thus almost 18,911,000 payment functions on the
total 12,084,000 cards issued. There are 5,519,000 cards with credit function in Norway as at 31st December 2010, a small increase of 13,000 or 0.24% compares to 5,506,000 in 2009.
Cards with debit function increase significantly by 1,075,000 or 9.12% to 12,864,000 in 2010 compares to 11,789,000 in 2009.
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Penger tilbake hver gang du handler - Cashback
Med 365Privat MasterCard får du Cashback (penger tilbake) hver gang du bruker kortet i bensinstasjoner, sko- og klesbutikker. Pengene godskrives din konto hver måned og reduserer din saldo.
7 ganger best i test!
365Privat har 7 ganger blitt kåret til best i test i ulike forbrukerøkonomiske undersøkelser de siste årene. Testene er utført av Dagbladet, Dine Penger, VG og Nettavisen.
"Nå tilbyr stadig flere rabatter i utvalgte bransjer - såkalt cashback. Kortet som når til topps i denne kategorien, er 365Privat." Sitat Dine Penger sept. 2010
3,65 % Cashback
Betaler du med 365Privat i en hvilken som helst bensinstasjon, kles- eller skobutikker*, får du hele 3,65 % av beløpet direkte tilbake til din konto. Hverken du eller butikken/stasjonen trenger å gjøre noe, vi ordner det hele.
Norges råeste drivstoffrabatt?
Fra 1. oktober gir Esso Norge AS 30 øre/l i drivstoffrabatt i tillegg til de 3,65% cashback du får fra oss. Totalt blir det 81 øre/l ved en literpris på kr 14,-.
Når får man cashback utbetalt?
Pengene går automatisk inn på din 365Privat-konto når vi produserer fakturaen rundt den 15. hver måned.
Husk at du kan få inntil kr. 2 000,- per 12 mnd. periode!**
365Privat MasterCard er gratis å eie:
Det koster ingenting å eie eller anskaffe 365Privat og du får inntil 45 dager rentefri kreditt hvis du skulle ønske det.
Velger du å dele opp betalingen over tid, belastes rente på 1,69 % per mnd på det beløpet du velger å utsette. Effektiv rente (uten å ha trekt fra cashback) er 20,55%, kr 15000 o/12 mnd, totalt 16 607.
*For å få 3,65 % Cashback er det forutsatt at butikken/ stasjonen er registrert som bensinstasjon, sko- eller klesbutikk i MasterCard sine systemer.
**Maks. akkumulert Cashback siste 12 mnd. er kr 2 000,-
For å søke må du:
Jeg er over 21 år.
Jeg har en fast inntekt på over 140.000.- pr. år.
Jeg har ingen registrerte inkassosaker på meg de siste 3 år.
Jeg har ikke misligholdt noen former for lån de siste 3 år.
4% bonus på det du bruker mest penger på Velg mellom bensin, klær/sko, flyreiser, elektronikk eller sportsutstyr
Med Flexi Visa får du 4% bonus på valgfri bonuskategori i butikker tilknyttet Visa
Siden Flexi Visa er et kredittkort uten års-/etableringskostander og har gebyrfrie varekjøp kan du samle dine innkjøp på en oversiktig månedlig faktura.
Betaler du innen forfall, koster det deg ingenting å bruke Flexi Visa.
Det beste av alt - bonuskronene kommer direkte inn på din Nettsaldo hver måned.
Fordeler med Flexi Visa:
4 % bonus på valgt kategori
Du kan velge èn av 5 mulige bonuskategorier
Bonuskategorien kan endres fra måned til måned
Du får inntil 100 000 kr i kredittgrense
Flexi Visa gir deg inntil 50 dagers rentefri betalingsutsettelse
Du har tilgang til Min Side, Nettsaldo, Mobilbank og Kontofon for oversiktig bruk
Hente PIN på nett. Glemmer du PIN-koden kan du få den fremvist på Min Side
Flexi Visa er tilknyttet Visa med over 29 millioner brukersteder
24/7 sperretjeneste
Nødkort og nødkontanter
Uhell skjer når du minst venter det. Du har tilgang på gode forsikringer
Det er penger å spare på å bruke Flexi Visa.
Bonusen er begrenset oppad til kr 200 per mnd eller kr 2 000 de siste 12 måneder.
Santander Red 17,12%
kreditkortet som gir deg gunstig betalingsutsettelse
du betaler ikke for noe du ikke trenger!
Fordeler:
Inntil 100 000 i kredittgrense
Inntil 50 dagers betalingsutsettelse
Fleksibel tilbakebetaling
24/7 sperretjeneste
Nettsaldo og kontofon
Nødkort og nødkontanter
Regningsbetaling
Mobilbank
Årlig eff.rente beregnet iht. bransjestandard er 17,12 % basert på varekjøp og kontantuttak på kr 15 000, nedbetalt over 12 mnd i like store terminbeløp på kr 1 360,28. Dette utgjør en kredittkostnad på kr 1 323,39, og en samlet kredittkjøpspris på kr 16 323,39.
Gebyrfri Visa Gold tilbyr verdens mest utbredte og anerkjente gullkort med en kredittgrense på kr 100 000. Gebyrfri Visa Gold stiller krav til solid økonomi og gir deg mange fordeler og bedre kundeservice over hele verden. Kortet kan brukes til varekjøp, tjenester og kontantuttak på mer enn 29 millioner brukersteder i 130 land over hele verden.
Fordeler med Gebyrfri Visa Gold:
Inntil 50 dagers rentefri betalingsutsettelse
Gebyrfrie varekjøp
Gebyrfrie kontantuttak i minibank eller på bankkontor
Fleksibel tilbakebetaling - betal alt på én gang eller fordel beløpet over flere måneder
Tilgang til ett av verdens største betalingsnettverk
Reise- og avbestillingsforsikring for deg og inntil 3 medreisende
Total Card Payments in Volume and Value
For 2010, there are 1,368.80 millions of card payment transactions in Norway(278.21 transactions per capita, one of the highest in Europe and the world, surpassing Finland and United States),
an increase of 109.10 millions or 8.66% compares to 1,259.7 millions in 2009. Out of these transactions, 1,273.50 millions are used for goods purchases, while 95.30 millions are used for cash withdrawals.
Meanwhile, 79.1 millions or 5.78% is paid by cards with a credit function, a significant increase of 12.9 millions or 19.49% compares to 66.2 millions in 2009. This is despite the stagnant growth in number of credit cards issued.
1,270.60 millions card payment transactions are paid by cards with debit function, an increase of 98.5 millions or 8.40% compares to 1,172.10 millions in 2009. This is inline with the 9.12% growth in number of debit cards in 2010.
The total card payments for 2010 is €81.61 billions in value(€16.59 thousands per capita, the highest in Europe), an increase of €3.57 billions or 4.57% compares to €78.04 billions in 2009.
This also translates into €59.6 per card payment transaction. Out of these transactions, €8.98 billions or 11% is paid by cards with a credit function,
an increase of €0.69 billions or 8.32% compares to €8.29 billions in 2009. €70.09 billions in value is paid by debit cards, an increase of €3.2 billions
or 4.78% compares to €66.89 billions in 2009.
At end-2010, there were 123,500 point-of-sale terminals at 97,700 different sites, that is in shops and on the premises of other payees. The market may soon be nearing saturation, since the increase in the number of installed terminals has been moderate in the past few years
Norwegian payment cards with embedded mircochips and chip-enabled terminals began to appear in 2009. The changeover to chip cards continues. The purpose of chip cards is to reduce the risk that payment card data are copied onto a counterfeit card. The industry aims to phase out cards that only feature a magnetic stripe by end-2011.
Note: For the purpose of comparison with other European countries, the original figures in NOK is converted into EUR with 1 EUR = 8.01 NOK rate(based on 2010 annual average conversion rate).
Credit Cards in Norway Statistics 2008-2009
As of 2009, Noway has a population of 4.81 millions with a GDP(gross domestic product) of €275.83 billions. This
translates into €57.35 thousands of GDP per capita, one of the highest in Europe besides Luxembourg.
As at 31st December 2009, there are 11,644,000 payment cards issued in Norway(2.42 cards per capita, one of the highest in Europe besides United Kingdom,
an increase of 1,015,000 or 9.55% compares to 10,629,000 in 2008. Many cards have more than one payment function, e.g. BankAxept combined with Visa or MasterCard. There were thus almost 17,837,000 payment functions on the
total 11,644,000 cards issued. There are 5,506,000 cards with credit function in Norway as at 31st December 2009, a significant increase of 1,168,000 or 26.92% compares to 4,338,000 in 2008.
Cards with debit function decrease by 110,000 or 0.92% to 11,789,000 in 2009 compares to 11,899,000 in 2008.
Total Card Payments in Volume and Value
For 2009, there are 1,259.70 millions of card payment transactions in Norway(261.89 transactions per capita, one of the highest in Europe and the world, surpassing Finland and United States),
an increase of 77.7 millions or 6.5% compares to 1,182.00 millions in 2008. Out of these transactions, 1,159.50 millions are used for goods purchases, while 100.10 millions are used for cash withdrawals.
Meanwhile, 66.20 millions or 5.26% is paid by cards with a credit function, a significant increase of 9.70 millions or 17.17% compares to 56.5 millions in 2008. This is inline with the significant increase in number of credit cards issued.
1,172.10 millions card payment transactions are paid by cards with debit function, an increase of 69.3 millions or 6.28% compares to 1,102.80 millions in 2008. This shows the 1% dropped in number of debit cards does not affect the debit function payment card transactions though.
The total card payments for 2009 is €73.99 billions in value(€15.38 thousands per capita, the highest in Europe), an increase of €4.23 billions or 6.06% compares to €69.76 billions in 2008.
This also translates into €58.7 per card payment transaction. Out of these transactions, €7.63 billions or 10.31% is paid by cards with a credit function,
an increase of €0.99 billions or 14.91% compares to €6.64 billions in 2008. €63.72 billions in value is paid by debit cards, an increase of €3.48 billions
or 5.78% compares to €60.24 billions in 2008.
At end-2009, there were 131 000 point-of-sale terminals at 103 000 different locations and the number has increased by approximately 10% each year over the past three years. As point-of-sale terminals become more widespread, users have increased freedom to choose the payment instrument they find most suitable.
In 2009 over 21 000 cases of payment card fraud were recorded in Norway. This resulted in losses amounting to a total of NOK 215m, an increase of 8% on 2008 (FNO 2010). In 2009, payments using Norwegian payment cards totalled NOK 646bn. In other words, fraud amounts to approximately NOK 0.3 per NOK 1000 in payments. In
the UK and Australia, corresponding figures were, respectively, GBP 1 per GBP 1000 and AUD 0.3 per AUD 1000.
Note: For the purpose of comparison with other European countries, the original figures in NOK is converted into EUR with 1 EUR = 8.73 NOK rate(based on 2009 annual average conversion rate).
Credit Cards Norway Statistics 2007-2008
As of 2008, Noway has a population of 4.73 millions with a GDP(gross domestic product) of €257.13 billions. This
translates into €54.36 thousands of GDP per capita, one of the highest in Europe besides Luxembourg. Norway contributes 2.06% of the EU total GDP.
As at 31st December 2008, there are 10,629,000 payment cards issued in Norway(2.25 cards per capita, second highest after United Kingdom),
an increase of 721,000 or 7.28% compares to 9,908,000 in 2007. Many cards have more than one payment function, e.g. BankAxept combined with Visa or MasterCard. There were thus almost 16,772,000 payment functions on the
total 10,629,000 cards issued. There are 4,338,000 cards with credit function in Norway as at 31st December 2008, a small increase of 44,000 or 1.02% compares to 4,294,000 in 2007.
Cards with debit function increase by 1,380,000 or 13.12% to 11,899,000 in 2008, compares to 10,519,000 in 2007.
Total Card Payments in Volume and Value
For 2008, there are 1,182.00 millions of card payment transactions in Norway(249.89 transactions per capita, one of the highest in Europe and the world, surpassing Finland and United States),
an increase of 111.30 millions or 10.40% compares to 1,070.70 millions in 2007. Out of these transactions, 1,075.60 millions are used for goods purchases, while 106.40 millions are used for cash withdrawals.
Meanwhile, 56.50 millions or 4.78% is paid by cards with a credit function, a significant increase of 7.70 millions or 15.78% compares to 48.80 millions in 2007.
1,102.80 millions card payment transactions are paid by cards with debit function, an increase of 101.50 millions or 10.14% compares to 1,001.30 millions in 2007. Norway total card
payment transactions volume contributes 4.01% to the EU total number of transactions.
The total card payments for 2008 is €61.70 billions in value(€13.04 thousands per capita, the highest in Europe), an increase of €5.31 billions or 9.42% compares to €56.39 billions in 2007.
This also translates into €52.2 per card payment transaction. Out of these transactions, €5.88 billions or 9.53% is paid by cards with a credit function,
an increase of €0.81 billions or 15.98% compares to €5.07 billions in 2007. €53.28 billions in value is paid by debit cards, an increase of €4.28 billions
or 8.73% compares to €49.00 billions in 2007. Norway total card payment value contributes 3.67% to the EU total transactions value.
At the end of 2008, over 116,000 payment terminals had been deployed at a total of 94,000 merchants, representing a growth of respectively 8% and 11% from the previous year.
In 2008, over 30 millions payments using Norwegian payment cards were registered in connection with internet shopping.
Payment cards are used for increasingly smaller amounts. While the average amount for a goods purchase using a payment card in 1999 was almost NOK 515, it was NOK 415 in 2008.
Note: For the purpose of comparison with other European countries, the original figures in NOK is converted into EUR with 1 EUR = 9.87 NOK rate(based on 2008 year-end conversion rate)
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Your application is safe and secure with SSL encryption technology.
Safe and secure online application with SSL encryption technology.
All card applications are strictly confidential.