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Komplett Bank credit card
Komplett Bank Mastercard is not the most well-known payment card in the Nordic countries. However, it has many useful features for travellers.

Review: Komplett Bank Mastercard for Travellers

  • By Finnoy Travel
  • August 21, 2021

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Komplett Bank Mastercard

Komplett Bank Mastercard is a credit card from a Norway. It is not the first credit card that comes into the mind but it beats easily traditional and more expensive credit cards from competitors. We reviewed Komplett Bank Mastercard to find out if it suits travellers living in Finland and Sweden.

We compared the card especially against Bank Norwegian Visa which has similar features.

Available in Finland and Sweden

Komplett Bank credit card is available in Finland and Sweden. This review was written based on the card advertised in Finland but Komplett Bank Mastercards in other countries are quite similar.

Komplett Bank Mastercard is a credit card. This means that you don´t need to pay the full invoice on the due date but then the remaining part will gain interest. We recommend paying the bill fully not to avoid expensive interest.

Komplett Bank Mastercard does not have a debit feature. On debit cards, transactions will be charged or reserved from a bank account in real-time. Komplett Bank Mastercard is a pure credit card.

Credit cards have some benefits over debit cards. You can easily pay hotel and car rental deposits with a card and the money won´t be taken even temporarily from a bank account. With a Komplett Bank Mastercard, you have also 50 days to pay your purchases without any interest. Typically, credit cards have also more perks compared to debit cards.

Comes from Norway

Komplett Bank is an online bank from Norway. The bank is very similar to Bank Norwegian that is marketing a Visa card in the Nordic countries. Komplett Bank specializes especially in consumer loans but the bank has also this Mastercard in the product portfolio.

Credit Card for Daily Use

Komplett Bank Mastercard is suitable also for daily use. The card does not have an annual fee and you have on average 50 days to pay the bill without any interest. However, the interest rate is high if you fail to pay the bill on time.

We recommend not to use the credit feature of any credit card because the credit will become almost as expensive as short-time loans. However, take advantage of the interest-free period to collect all your daily spending into a single bill.

The credit limit of a Komplett Bank Mastercard can be even as high as 10,000 euros but the exact limit depends on every customer. Though not many people can be granted with this high limit ceiling. Still, a few thousands euros limit is enough for daily spending.

While travelling, you need a high enough credit limit for big deposits that car hiring offices and hotels charge.

Also for Immigrants

Immigrants in the Nordic countries may not have a credit card yet. Komplett Bank is an easy choice to be the first credit card for multiple reasons.

The card is free and it is not dependent on a local bank. It has multiple free and valuable features so the card gives value for a newcomer in the country. Buying the same services separately would cost a lot. Applying for a Komplett Bank Mastercard is also simple and the whole process can be easily completed online in 5 minutes.

Before applying for a Komplett Bank credit card, you should have a bank account in a local bank and a debit card for it. Your chances to get approved become much higher if you have lived in the country long enough and have a stable high enough income flow.

Not Tied to Any Traditional Bank

The card is not tied to any local bank. Everyone over 23 years old without negative marks in the credit history can apply for a card on Komplett Bank´s website. You can sign the application electronically as we did with Nordea's authentication tools. After the approval, a PIN code can be freely chosen and the card will be delivered to your home address within a week.

Komplett Bank is an online bank.

Komplett Bank Mastercard Features

No Annual Fee

There are no recurring fees if you use the card wisely. That means, the card does not have a monthly or yearly fee and no interest is charged when the bill has been fully paid before the due date. With bad spending habits, i.e delayed bill payments, the card will become expensive due to high-interest rates.

If you don´t pay the bill latest on the due date, the interest rate of the credit can be even more than 19%. You are also asked to pay interest from ATM withdrawals. Even though the fee list states that withdrawing cash is free of charge, it is not the full truth. You need to pay interest starting from the withdrawal date until the bill has been paid. Also, the currency conversion fee is 1,75% but this is common among banks. It is not recommended to use Komplett Bank Mastercard for withdrawing cash. Instead, Bank Norwegian Visa is better for that purpose. Other than this purpose, the Komplett Bank Mastercard is a great choice.

Freely Chosen PIN Code

Almost every bank allows you to choose a PIN code of your card freely. That is the case with Komplett Bank, too. After your application has been approved, you can select a PIN code yourself.

Support for Apple and Google Pay

Apple and Google Pay integrations are nice extras to any payment card. You don't need to have a physical card, but you can pay purchases safely only using your mobile phone. It does not matter if you forgot the wallet as long as you still have your phone with.

Bonus Program

The best feature of the Komplett Bank Mastercard is the bonus program. Komplett Bank pays 2% cashback from the purchases made on the internet and 1% from transactions done physically in the stores. The bonus you collect is money that can be used to pay your future bills.

The bonus is calculated as points. Every 10 points are equal to 1 euro. From 100€ purchases made on the internet, you will earn 20 points and from traditional stores, you will earn 10 points. This is equivalent to 2€ and 1€ cashback respectively.

Compared to Bank Norwegian´s Visa card, the bonus system of Komplett Bank is much better. You will earn bonus points faster and you can spend it on anything, not only on flights. Currently, Bank Norwegian offers also monetary cashback but only 0,5%.

Komplett Bank's bonus system has a few limitations. You are not allowed to earn more than 2,000 points per year which mean 200 euros worth of cashback money. You will earn bonus points only from purchases/transactions made costing over 5 euros at once, so purchases (below 5 euros) will not entitle you to points.

Besides these limitations, the bonus system of Komplett Bank is still one of the best on the market and it is suitable for people wishing to earn pure money back - not only free flights. In short, Komplett Bank's bonus system is good for anyone.


Another definite good feature of Komplet Bank's credit card is the insurances included free of charge.

Travel Insurance

The travel insurance is valid when at least 50 per cent of the total travel expenses have been paid by a Komplett Bank Mastercard. This is a similar requirement that Bank Norwegian's Visa has. The insurance covers the whole family which makes it better than Bank Norwegian´s travel insurance. In exchange for the family, you can ensure 3 of your travel mates but they need to travel on the same route as you. When your family is travelling, there is no need for you as the cardholder to be travelling with them.

The travel insurance has 100 euros excess in the case of a sickness or an accident. Your belongings are also insured but the terms are not that good as separately paid insurances have. We recommend buying high-quality travel insurance from your own insurance company even though there are free insurances on payment cards. The insurances will complement each other.

The travel insurance of Komplett Bank is provided by Gouda. It is valid on trips lasting 60 days at the maximum.

Excess of Collision Damage Waiver

The excess insurance of a rental car is valuable for a traveller. It is included in Komplett Bank´s travel insurance free of charge. The insurance covers up to 1,000 euros of the collision damage waiver´s excess. The insurance is valid also when renting other vehicles like boats, scooters or Segways.

Bank Norwegian has a similar product but it is a paid extra.

Purchase Security Insurance

Purchase Security Insurance insures your purchases against thefts and damages.

The insurance is valid for up to 90 days and it has an excess of 50 euros. For the insurance to be valid, you need to pay for the product with a Komplett Bank Mastercard.

Identity Theft Insurance

Identity Theft is an incident when someone uses your identity like name and personal identification number without your permission. For example, he/she can apply for loans with your name which causes complicated issues. Komplett Bank Mastercard has an identity theft protection that covers up to 10,000 euros legal costs arising from identity theft.

Experiences of Komplett Bank Mastercard

We decided to apply for a Komplett Bank Credit Card to understand the product better.

Applying for a Card

We placed an application on Komplett Bank's website. Anyone older than 23 years can apply for a card if he/she has financial things under good control. We needed to fill personal information into a simple online form and give information about monthly income and current financial status. Immediately, we got an initial approval with the credit limit.

After the initial decision, we needed to complete the application with a salary slip and give information about the political status. The whole application process took only 5 minutes.

In a few days, we got the final approval to our email. After a few days more, the card arrived at our home. The whole process starting from the application phase to receiving the card took only 1 week.

In case you forget to deliver the requested extra information, Komplett Bank will remain in contact with you multiple times through emails and SMS.

For applicants of Komplett Bank credit card who are residing in Finland, the application can be done only in Finnish.

Komplett Bank Mobile App

It is possible to check your card's status easily from the Komplett Bank Mobile App. The app can be downloaded from regular app stores/galleries and installed in a few minutes.

Using the app is simple. After a strong authentication made during the first use, you can log in to the app with a passcode or a fingerprint. With the Komplett Bank mobile app, you can see transactions and other data in real-time. Also, all your invoices are visible. If you lose your card, the card can be temporarily locked through the app.

Login to the Komplett Bank Mobile App
After the first time, you can log in to the app with a number code or a fingerprint.
Transaction in the Komplett Bank app
Transactions are visible in real-time on the app. The accumulated bonus is shown at the top of the screen.

Should I Apply?

As a free credit card, Komplett Bank Mastercard is a great product. You should not use the credit feature because it is expensive.

The card includes high-quality and free insurances. The greatest benefit is the bonus program since it returns real money in the form of cashback. The money is not tied to any special purpose which is the case with Norwegian Cashpoints. With Norwegian Visa, you may earn a little more payback but you can use them only for the flights of Norwegian Air Shuttle.

There are also some cons. You won´t get any bonus for purchases less than 5 euros. Cash withdrawals from ATMs are not free but you need to pay a 1,75% currency conversion fee and the interest until the payment date of the bill. Luckily, the many other benefits of the Komplett Bank Mastercard exceed these few cons.

Apply for a Komplett Bank Credit Card.


Komplett Bank credit card offers multiple valuable but free features. For example, the card has many insurances and a good bonus program. Therefore, we rate this as a 5-star credit card.

Bottom Line

You can apply for a Komplett Bank Mastercard easily on the internet. The card has many valuable features and with the right way of use, the card is free. The card is a nice extra in a traveller's wallet. Especially, the excess coverage of a rental car is a good perk.

There are multiple credit cards on the market. Komplett Bank's credit card is not targeted to travellers but still, travellers can benefit from its many features. Komplett Bank Mastercard is also a good choice for daily spending because of its bonus program. By using the card in the right way and paying invoices on time, there will be no extra costs for the consumer.

Apply for a Komplett Bank Mastercard.

Tags: , ,
Destination: Finland, Sweden

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