Moving to a new country usually comes with its fair share of paperwork, systems to learn, and habits to adopt, and personal finance is no exception. For many foreigners, getting a credit card in Denmark is a key step in managing daily expenses, booking travels, shopping online, and building financial stability in their new home.
But how easy is it to get a credit card in Denmark as a foreigner? What are the requirements, which cards are best, how does the system differ from other countries, and what should foreigners generally know about the banking system here?
In this guide, we break down everything you need to know about credit cards in Denmark for foreigners, from how they work, who can apply, and the different types of cards available, to our recommendations and personal tips to help you get started. Whether you’re a student, an employee, or self-employed, this guide is designed to make the credit card landscape in Denmark simple and approachable.
Here are the key points in this article:
- Denmark’s Payment System Overview: Denmark primarily uses debit cards like Dankort for everyday payments, while credit cards are available and suitable for frequent travelers and foreigners seeking additional benefits.
- How Credit Cards Function in Denmark: Credit cards in Denmark operate mainly as charge cards with full monthly payments or revolving credit cards that carry balances and accrue interest, offering features like interest-free periods and spending limits.
- Requirements for Applying for a Credit Card in Denmark: To apply for a Danish credit card, foreigners need a CPR number, a Danish bank account, access to MitID, and proof of stable income or employment.
- Types of Credit Cards in Denmark: Denmark offers various credit cards including standard, charge, revolving, secured, and premium/travel cards, each suited to different financial habits and needs.
- Challenges for Foreigners in Obtaining Credit Cards: Foreigners often face hurdles such as lacking a local credit history, not having a CPR number or MitID, limited employment history, and language barriers, which can complicate the approval process.
The Best Credit Card in Denmark for You
If you are looking for a bank through which you can get a credit card, we recommend you use Find Bank for your search. The platform has already helped over 100,000 Danes get offers from multiple banks, and makes it easier to compare mortgage rates and find the best solution for your needs. It’s a simple, no-obligation way to save time, and potentially a lot of money, when choosing a bank.
Find Bank is a free and non-binding comparison service that helps you quickly and easily find the best bank for your needs in Denmark. The platform is designed to save you time and help you make informed financial decisions, without any commitment.
If you are looking for a more detailed guides on banking, how to choose the right bank in Denmark, or how find the best bank providing loans for foreigners, you may want to check out our other guides, where we cover these topics in detail:
- Navigate Banking in Denmark
- Best Bank in Denmark for Foreigners
- Best Bank Loan in Denmark for Foreigners
How Credit Cards Work in Denmark
Unlike in many other countries where credit cards are a standard part of everyday payments, Denmark is still largely a debit card-first society. The most commonly used payment method in Denmark is the Dankort, the national debit card, or a Visa/Dankort hybrid that combines local functionality with international usability.
That said, the credit card in Denmark is of course available and becoming more common, especially among Danes who are frequent travellers and foreigners as well. Danish credit cards generally operate in two main ways:
- Charge Cards: You use the card during the month and pay off the full balance at the end of the billing cycle.
- Revolving Credit Cards: You carry a balance and pay interest on unpaid amounts, much like in other countries.
A Credit Card in Denmark Typically Offers
- Up to 30–45 days of interest-free credit if the full amount is paid on time.
- Monthly spending limits based on your income and creditworthiness.
- Additional perks, such as travel insurance, cashback, or airport lounge access.
To Apply for a Credit Card in Denmark, You’ll Typically Need
- A CPR number (Danish personal ID).
- A Danish bank account.
- Access to MitID (the secure digital ID system).
- Proof of stable income or employment.
It’s also worth noting that foreign-issued credit cards are widely accepted in Denmark, especially those from Visa or Mastercard, though smaller stores may still prefer Dankort or MobilePay.
Types of Credit Cards Available in Denmark
There are several types of credit cards available to residents in Denmark and the right card for you would typically depend on your financial habits, goals, and status in the country.
Some of the most common credit card types include those below:
| Credit Card Type | Description | Ideal For |
|---|---|---|
| Standard Credit Card | Offers a monthly credit limit, interest-free period (typically 30–45 days), and a minimum repayment requirement. | Most employed expats with stable income. |
| Charge Card | Requires the full balance to be paid each month. No option for revolving credit. | Those who want to avoid debt or interest. |
| Revolving Credit Card | Allows you to carry a balance from month to month with interest applied. Often includes flexible repayment. | Expats familiar with credit systems abroad. |
| Secured Credit Card | Requires a deposit equal to the credit limit; easier approval, helps build credit history. | Newcomers without Danish credit history. |
| Premium / Travel Cards | Includes benefits like insurance, cashback, and lounge access. Higher fees, but valuable for frequent travelers. | Expats who travel often or want perks. |
It’s generally a good idea to keep in mind that each bank or provider will have different criteria, interest rates, and fees. In the next section, I’ll give you some of the best credit card options for foreigners in Denmark, based on real user experiences and offerings available online.
Understand How Danes and Foreigners Use Credit Cards in Denmark
Credit card use in Denmark is growing steadily, but Danes still prefer debit cards (like Dankort) for everyday purchases. According to data from Danmarks Nationalbank, Danes made over 2.2 billion card payments in 2023, with credit cards making up around 14% of those transactions. That number is slowly increasing, especially among younger consumers and internationals.
For many foreigners living in Denmark, getting a Danish credit card can feel confusing. In fact, a 2022 study by the European Consumer Payment Report showed that 35% of newcomers to Denmark found it difficult to understand or access local credit options, mostly due to lack of Danish credit history or unfamiliarity with financial terms.
Most Danish banks offer Visa or Mastercard credit cards, but approval often depends on having a stable income and CPR number. International residents without a long credit history in Denmark may benefit from starting with asking their employer or bank for advice on eligible local cards.
Challenges Foreigners Face When Applying for a Credit Card in Denmark
Denmark may be known for its streamlined public systems, but getting approved for a credit card as a foreigner can still pose a few practical hurdles. Here are some of the most common issues expats encounter:
Lack of Credit History in Denmark
Foreigners who have recently settled in Denmark often struggle because they haven’t yet built a local credit score. Most banks assess risk based on your Danish financial behavior, not your credit record from another country. The solution may thus be to start by using a debit card tied to your Danish account or to apply for a secured credit card. This helps you establish creditworthiness here.
No CPR Number or MitID
You’ll need a CPR number (personal ID) and MitID to apply for most credit products in Denmark. Without these, you won’t be able to register with banks or submit online applications. A solution to this may be to prioritise getting your CPR and MitID sorted as soon as you arrive. They’re essential not only for banking but also for healthcare, taxes, and housing.
Limited Employment History in Denmark
Banks prefer applicants with a stable income and at least a few months of employment history in Denmark. Freelancers and students often find it harder to qualify. If you’re self-employed or on a student visa, consider starting with prepaid cards or inquire about co-branded cards with more flexible criteria.
Language Barriers
While many banks offer English support, most online applications, terms, and conditions are still in Danish. Thus, it may be a good idea to seek assistance from an English-speaking customer advisor or use banks known for their expat-friendly services. Some international banks or digital banks offer English-first platforms.
FAQ About Credit Card in Denmark for Foreigners
Can Foreigners Get a Credit Card in Denmark?
Yes, foreigners can get a credit card in Denmark, but certain conditions must be met. Most Danish banks require you to have a CPR number (the Danish personal identification number), a Danish address, a NemID/MitID, and proof of a stable income. Some banks may also require you to have been residing in Denmark for a minimum period (e.g. 6 months).
Do I Need a Danish Bank Account to Get a Credit Card?
In most cases, yes. Danish credit cards are typically issued through your primary bank. You’ll usually need an active Danish bank account, and it often helps if you already have a payment history or salary coming into that account.
Are There Credit Cards in Denmark With No Annual Fee?
Yes, several Danish banks offer credit cards with no annual fee, but these often come with fewer benefits or lower credit limits. Cards with higher limits, insurance packages, or travel perks typically come with an annual fee.
What is the Difference Between a Credit Card and a Debit Card in Denmark?
A debit card (like Dankort or Visa/Dankort) withdraws money directly from your bank account at the time of purchase. A credit card, on the other hand, allows you to make purchases on credit and pay them off later, typically once per month. Credit cards often include features like travel insurance or the ability to delay payment.
Can I Use International Credit Cards like Visa or Mastercard in Denmark?
Yes, most shops, restaurants, and online services in Denmark accept Visa and Mastercard. However, some places may still prefer or only accept Dankort or Danish-issued Visa/Dankort cards, especially in smaller towns or government institutions.
How Long Does it Take to Get a Credit Card in Denmark?
Once approved, it usually takes 5–10 business days to receive your card. However, the application process itself can take a few days to a couple of weeks, especially if you’re a new resident and the bank needs to verify your documentation.
