With a Mastercard Platinum card, you choose whether you want to use the card 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 use it as a credit card, you can defer payment for up to six weeks without having to pay interest.

If you use the card for contactless payments, the card automatically functions as a debit card and the money is therefore charged to your account immediately.

You choose each time you use the card
Please note that you must choose whether to use the card as a credit or a debit card each time you use it – whether you shop in physical shops or online.  For online shopping, your credit card number is printed on the front of your card, while your debit card number is printed on the back of the card.

You have up to six weeks of interest-free credit on your Mastercard Basis card. This means that you automatically defer payment for your purchase – at zero interest.

With the Mastercard Basis card, you can also select individual purchases on your credit card and split the payment into smaller instalments. You can split all purchases exceeding DKK 500 into 2-12 instalments at a competitive interest rate.

This means that you do not need to worry if your washing machine breaks down at the same time as your car needs service. If you buy a new washing machine with your Mastercard Basis card, you can pay back the amount in instalments. This helps you spread the cost over several months in return for an interest payment.

How to pay in instalments
Simply set up the individual instalments in Danske Mobile Banking, Danske Tablet Banking or Danske eBanking. Here you can quickly see what instalments are a good fit for you and what the exact interest expense is.

The Mastercard Platinum card includes annual travel insurance worldwide for you and your immediate family. The insurance covers all trips within one year up to a duration of 60 days each – even if the trip was not purchased with your Mastercard Platinum card.

The insurance covers emergency treatment, for example in the event of illness or dental injury. Repatriation in the event of illness or accident is also covered.

Insurance provider Tryg Forsikring A/S, Klausdalsbrovej 601, DK-2750 Ballerup offers the travel insurance. Tryg Forsikring A/S is a member of the Danish Guarantee Fund for Non-Life Insurance Companies, which covers consumer insurance claims if the insurance company goes bankrupt, and has its registered office in Denmark.

Upgrade your card in Danske eBanking
You can also easily upgrade the card to include other attractive policies at a 15% discount

If you have a Mastercard Platinum card, you can choose to upgrade the card to include one or more additional policies, for example trip cancellation and replacement trip/holiday compensation or baggage and flight delay with lounge membership.

Read more about the various policies and prices here.

Upgrade your card in Danske eBanking
You can use Danske eBanking to upgrade your card to include one or more policies once you have received the card.

Danske Concierge
Your Mastercard Platinum card gives you access to Danish Concierge, which offers many different services. Need to send flowers home, book concert tickets or flights or book a table at a special restaurant? Simply call Danish Concierge, and they will help you with almost anything – 24 hours a day, 365 days a year. They will do everything they can to accommodate your request.

From 1 January 2018, neither physical shops nor online shops may charge a fee when you pay with a Mastercard card or any other card. This applies throughout the EU.

There are exceptions, however. Fees may be charged on corporate cards and cards issued in non-EU countries. If you are liable for purchases made with your corporate card, it is regarded as a personal card and no fees are payable.

If you are charged a fee when using the card, you must complain to the shop and ask them to refund the amount according to the Danish Payments Act (Betalingsloven). You can also file a complaint about the shop with the Danish Competition and Consumer Authority at kfst@kfst.dk