At Danske Bank, we offer a Debit MasterCard and a MasterCard Standard credit card.
To help you select the most appropriate card for your needs, it is important to understand the difference between a debit and a credit card.
A credit card is a form of borrowing. If your application is accepted, Danske Bank will set you a credit limit for your card - this is the amount you can borrow and use on your credit card.
You will be sent a statement each month showing how much you have spent, the amount that you have to pay back and the date by which this needs to be paid (the Payment Due Date). Interest is charged on any money you still owe (the outstanding balance) after the Payment Due Date.
A credit card gives you the freedom to buy things now and pay later however, in the case of cash withdrawals, interest is charged from the transaction date and not from the Payment Due Date.
A debit card is a payment card linked to a current account and used to pay for goods and services by taking the money directly from your account. It can be used online, instore, at any Post Office® counter and at ATMs to access your account.
Our Debit MasterCard also comes with contactless technology, which is available with our Danske Freedom, Danske Choice and Danske Cash Reward packages.
Choosing a card
A Debit MasterCard can only be opened as part of a Danske Bank Package.
A MasterCard Standard credit card however is available without opening a Danske Bank Package.
Read more about our MasterCard Standard credit card