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A Visa/Dankort card is a debit card. This means the amount is charged to your account shortly after you have used the card – regardless of whether you use the card in Denmark or abroad. Using a Visa/Dankort card therefore means you can easily get an overview of how much money you have spent. When using the card abroad, in foreign webshops, and in stores in Denmark that only accept Visa, there is a spending limit of DKK 25,000 per rolling 30 days.
Mastercard Hverdag+ is also a debit card. It functions like a Visa/Dankort card in that your purchase is immediately charged to your account. You can use the card in Denmark and abroad – and spend up to DKK 30,000 a day. The Mastercard comes in several variants. The Basis, Guld and Platin cards are credit cards, and when you pay using these cards, you can get up to 6 weeks of interest-free credit. You can always view your purchases in your Mastercard account. We add up purchases for the past 30 days on the 19th of every month and send you an invoice. The only thing you have to do is check that the amounts are correct. On the 1st of the following month, we automatically transfer the money from your salary account. This way, your Mastercard account balance is again zero, and you have not paid anything in interest.
If you have a Mastercard Basis, Guld or Platin card issued by Danske Bank, they function as both a credit card and a debit card. You can select the payment function you wish to use on the payment terminal. When shopping online, you do this by selecting one of the two card numbers on the back of the card. When you make a contactless payment, you are always using the debit function – in other words, the payment will be charged to your account right away.
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