Bank Norwegian Hack: Get 0% Interest On All Purchases Until June 2026
Just when I thought the credit card game in Scandinavia had quieted down for the year, Bank Norwegian dropped a great update in my inbox this morning. Effective immediately, the Bank Norwegian Visa card is offering 0% interest on purchases and transfers until June 15, 2026.
If you remember my post from 2023, they ran a similar campaign for a few months. But this time, the window is significantly longer (over 6 months from the time of writing). This is a great tool for managing cash flow or paying off other high-interest debt, all while still racking up CashPoints or Cashback.
Here is everything you need to know about the new offer and how to use it smartly.
The Offer: 0% Interest Until Summer 2026
Usually, credit cards charge interest from day one if you withdraw cash or pay bills, or after roughly 45 days for everyday purchases if you don’t pay the full invoice.
From now until June 15, 2026, that rule is suspended.
This means you can carry a balance on your card without paying a single crona in interest. You only need to make the minimum monthly payment (more on that below).
Key Details
- Duration: Valid from today until June 15, 2026.
- Activation: Automatic. You do not need to click anything or opt in.
- Cost: 0 SEK extra.
- Rewards: You still earn CashPoints or Cashback on your purchases.
The Strategy: How To Use This Hack
While “borrowing money” can sound scary to some, if you are disciplined, it is a powerful financial tool. Here are two ways to maximize this offer:
1. The “Balance Transfer” (Kill Bad Debt)
If you have debt on another credit card (like a generic Mastercard or a store card) that is currently charging you 15-20% interest, you can use your Bank Norwegian card to pay off that invoice.
By doing this, you effectively move your debt from a high-interest card to a 0% interest environment for the next 6 months. This gives you breathing room to pay down the principal without money vanishing into interest payments.
2. Free Cash Flow
You can spread the cost of large purchases (like a vacation, new furniture, or Christmas gifts) over six months. Since there is no interest, the price you see is the price you pay, just divided by 6.
Why is this better than Klarna or other installment plans?
Because you earn rewards, if you spend 20,000 SEK on a trip, you get the purchase protection, the travel insurance, and the CashPoints/Cashback immediately, but you keep the cash in your bank account earning interest (in a savings account) until you pay off the card slowly over the next half-year.
Important: The Fine Print
There are a few rules you must follow to keep this “free”:
- Minimum Payment: You cannot just ignore the bill. You must pay the minimum amount each month, which is SEK 300 or 3.5% of the outstanding balance (whichever is higher).
- The Deadline: The party ends on June 15, 2026. On June 16, interest will start accruing as usual (currently around ~21.99%). You must aim to have the balance paid off by then.
- App Warning: The Bank Norwegian app might still show a standard warning saying “Interest is charged from day one” when you pay bills. According to the email I received, you can ignore this warning during the campaign period.
Is The Bank Norwegian Card Still Worth It?
If you haven’t read my full review of the card, the short answer is yes. Even without this promotion, it remains a staple in my wallet for three reasons:
- No Annual Fee: It costs nothing to keep.
- No FX Fees on withdrawals: Great for getting cash abroad.
- Flexible Rewards: Earning 0.5% cashback on a free card is decent, and the travel insurance is solid.
Summary
This is an aggressive move by Bank Norwegian (NOBA Group) to gain market share, and as consumers, we win. Regardless of whether you need to bridge a financial gap or just want to earn points on a large purchase while paying it off slowly, this is the time to use the card.
Just remember: Borrowing costs money if you don’t pay it back on time. Treat this as a tool, not free money.
Disclaimer: I am not a financial advisor. This post is based on the official communication from Bank Norwegian as of November 2025. Interest rates and terms can change. Always read the terms in your own app before spending.
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