Credit cards are fast becoming one of the best financial tools you can get. You gain access to funds for emergencies or the features and perks that come along with owning a premier credit card.
The ICA Banken Credit Card has its own unique features that are well-suited for Swedish consumers. With its features and perks that are centered on customers, you can always bet on the ICA Banken Credit Card to have the best experience.
Find out more about the ICA Banken Credit Card, where you can apply, the eligibility requirements, benefits, and perks, as well as how to apply with the article down below.
ICA Banken Credit Card Features and Benefits
The ICA Banken Credit Card is designed to offer all of its cardholders the benefits and perks that will truly enhance their experience.
Whether the card is used for shopping or providing financial flexibility, there are a lot of things to enjoy with the ICA Banken Credit Card. Check them all out below.
Generous Credit Limit
When you apply for the ICA Banken Credit Card, you can reach a credit limit of up to 100,000 SEK, which will help you have more spending power.
This makes it one of the most generous credit cards in the country, making you more flexible in terms of where and how you can spend your credit limit.
Different Functionalities
The ICA Banken Credit Card acts as a debit and credit card, especially when used at ICA stores. You can use the card in ICA stores to complete your purchases and many other transactions.
This function is very similar to that of the debit card. If you want to use the card outside of the ICA store, the card then acts as a credit card where you can use your credit limit and then be billed monthly.
Attractive Discounts and Bonus Points
The ICA Banken Credit Card offers more discounts and bonuses to its cardholders, especially when they shop at ICA stores.
You can get bonus points for every purchase that you make at the store which you can then use to redeem for more rewards.
When you use the card at the store, you can avail of exclusive discounts and promotions that only cardholders can unlock.
Purchase and Travel Protection
The ICA Banken Credit Card comes with travel and purchase protection which offers security to all of your transactions. Whether you’re traveling or simply shopping at the store, you are assured that all of your purchases are protected.
You will never have to worry about theft or damage from all of the eligible items and transactions you have done with the card.
Integrating the Card with Digital Wallets
One of the best features of the ICA Banken Credit Card is that you can integrate the card into your favorite digital wallet. This includes Apple Pay and Samsung Pay which makes it more convenient for you to use.
Simply enable the card and link it to your chosen digital wallet, and you can make secure mobile payments within the next few minutes. You can then use your digital wallet instead of the physical card to pay for your transactions.
Interest-Free Period
The ICA Banken Credit Card also offers an interest-free period of up to 60 days.
This allows cardholders to manage their finances more effectively and avoid paying for expensive interest charges, especially when you’re able to pay your balance in full.
Take full advantage of the interest-free period so you can save more money.
Interest Rates and Other Charges
Speaking of interests, the official website does not disclose the interest rates however, this can only be determined during the application.
Take note that your credit history and many other factors will dictate your interest rate. The card also has an annual fee, foreign transaction fee, and late payment fees.
Eligibility Requirements for the ICA Banken Credit Card
To be eligible to apply for the ICA Banken Credit Card, you need to meet certain criteria. All applicants must be 18 years old and above to apply for the card.
Everyone who wants to have the ICA Banken Credit Card must be a resident of Sweden. Applicants must be employed and must meet the minimum income requirements.
Lastly, all applicants must have a good credit history. Your credit history will dictate your interest rates, credit limit, and many other features of the card.
Contact Details
For more information about the ICA Banken Credit Card, you can contact their customer service hotline using the number – 033-47 47 50.
A representative will be assisting you with all of your concerns. You can also visit their main office located at Solna, Stockholm, Sweden.
How to Apply for the ICA Banken Credit Card
To apply for the credit card, simply visit the official website for more information.
Take note that you will need to be within the country to access the website hence the reason why only Swedish residents can apply for the card.
You can also call their customer service hotline for assistance concerning the application.
Review all of the features and the terms and conditions of the card before you apply.
Applying for the ICA Banken Credit Card Online
Once you decide to apply for the card, you can proceed with the online application by clicking Apply. Fill out the online application form with your personal information.
Upload all the required documents and ensure they are fully attached to the application form. Review everything before you submit. Wait for their confirmation email and approval email.
Once you have received the approval email, your card will be delivered to your registered address. Make sure you activate the card before using it.
Conclusion
The ICA Banken Credit Card offers very particular features and benefits suited for Swedish consumers especially those who are fond of shopping in general.
With its generous credit limit, interest-free period, dual functionality, and many other features, you can expect the ICA Banken Credit Card to have it all for you.
Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.