Application process for a credit card in Norway

Applying for a credit card might seem like a complicated process, but with the right
information and preparation, it can be both simple and quick. We’ll guide you through the
application process so that you can feel confident about choosing the right card and
submitting a successful application without unnecessary complications.

How to Easily Apply for a Credit Card

Applying for a credit card is relatively straightforward, you don’t need much more than a
computer or phone. Here’s a brief overview of the process for ordering a credit card:

1. Decide which benefits the card should include.
2. Compare multiple cards to find the best one.
3. Ensure you meet the requirements for the card.
4. Fill out the online application and submit it.
5. Wait for the bank or credit company to respond.
6. Sign the credit agreement and start using your new card.

You can complete all these steps within an hour or two. With a little preparation, it can take
even less time. In the guide below, we provide our best tips on how to prepare and what to
consider when applying.

Where Can I Apply for a Credit Card?

You can apply for a credit card at various institutions in Norway. Below are some of the most common options:

1. Norwegian Banks: Most major Norwegian banks offer credit cards, such as
   DNB and SpareBank 1. You can visit their websites and apply directly there.
2. Online Banks: Some online-based banks, like Morrow Bank and Bank Norwegian, also offer credit cards. These often come with benefits such as lower fees or special rewards programs.
3. Stores and Chains: Certain large retailers or chains, such as Coop or Circle K, offer their own credit cards with special benefits like discounts or bonus points when shopping with them.

It’s important to carefully read the terms and evaluate which benefits and drawbacks suit
your financial situation before applying for a credit card.

Tips When Applying for a Credit Card in Norway

Once you’ve listed the benefits you want in a credit card, you can start comparing options.
Kredittkort360.com is a good tool to use when comparing credit cards. Here, you can use a
filter to see all the credit cards that match your needs. There is also a simple credit card test
you can take to get suggestions based on your needs and financial situation. Detailed
reviews of each card have been written, making it easy to decide which card is the best fit for
you.

What Are the Requirements for Getting a Credit Card?

To have your credit card application approved, you must meet certain requirements set by
the card issuer and authorities. Here are some common requirements for obtaining a credit
card in Norway:

• You must be at least 18 years old.
• You are required to have an income to pay off the credit card debt.
• Unfortunately, you cannot get a credit card if you have payment defaults registered.
• Most credit card providers require you to have a Norwegian address.