With the Mastercard Basis card, you choose whether you want to use it as a debit card or a credit card. If you use it as a debit card, the amount is charged to your account immediately. If you instead use it as a credit card, you can defer payment for up to six weeks interest-free. Read more in the ‘Interest-free credit’ section.
To choose between debit and credit, you insert your card into the payment terminal and then select the appropriate button on the terminal. If you make a contactless payment, the card automatically functions as a debit card, and the money is therefore charged to your account immediately.
You choose each time
Please be aware that you must choose between credit card and debit card each time you use your card. This applies both when you shop in physical stores and when you shop online. When making an online purchase, you find the card number on the back of the card and then choose either the credit or debit card number.
