Examining Card Types, Specs & Application Requirements
American Express (AMEX) holds a premium position in Swedish Banking—though issuance is limited. Let’s dive into the 10 banks and institutions where you can currently purchase or access AMEX cards in Sweden, with insights on their Dimensions (card types), Finance, EMI, Material, Requirements, and Assestion (asset-based eligibility).
American Express Sweden (Consumer)
💳 Card Types: Green, Gold, Platinum (personal and SAS EuroBonus variants)
📐 Dimensions: Standard 85.6 × 53.98 mm; Metal for Platinum
💰 Finance & EMI: Interest-free grace interest, later revolve option; flexible EMI
📋 Requirements: Swedish address, credit check, minimum income (approx. 200 000 SEK/year)
🧱 Material: Plastic (Green/Gold), Metal (Platinum)
🎯 Assestion: Asset verification and positive credit history
AMEX Sweden (Corporate Programs via Handelsbanken)
Cards: Corporate Green (525 SEK/yr), Gold (1 250 SEK/yr), Meeting Card
Finance & EMI: Monthly statement, Direct Debit, EPA/GRU files
Material: Standard plastic
Requirements: Company registration, Finansinspektionen oversight
SAS AMEX (EuroBonus by AMEX Sweden)
Card Types: Classic (free), Premium (100 SEK/mo), Elite (400 SEK/mo), Business/Platinum
Finance: Rewards-heavy; EMI tools via AMEX portal
Perks: Lounge access, 2‑for‑1 vouchers
Reddit feedback:
“For lifestyle purposes, the only option is AMEX Platinum. The MR… general perks (4000 SEK dining credit, Lounges…) sort of make up for the cost.”
EnterCard (Swedbank Partner)
Overview: Issues AMEX-branded credit lines via Swedbank
EMI/Finance: Installments available
Requirements: Swedbank account; credit assessment
Material: Plastic
Resurs Bank
Niche Player: Known for consumer credit and store cards
AMEX: Co-branded consumer card with EMI options
Requirements: Income check, credit score
Material: Plastic
Collector Bank
Consumer Finance Specialist
AMEX: Offers co-branded options
EMI: Flexible repayment
Requirements: Swedish residency & credit history
Material: Plastic
Ikano Bank
Retail-Banking Link: Known for personal and credit cards
AMEX: Offers AMEX as optional credit line
Requirements: Income and credit check
EMI: Available
Material: Plastic
Bank Norwegian (Sweden)
Digital Travel-Card: Visa primary, offers AMEX travel benefits
Finance: Revolving credit, travel perks
EMI: Optional
Requirements: Norwegian/Swedish resident, credit approval
Material: Plastic
Citibank Europe PLC (Sweden Filial)
Global Bank: Corporate & premium clients
AMEX: Available via global Wealth clients
Requirements: High net worth, asset assestion
Material: Premium plastic or metal
Boutique Financial Firms
Examples: Private banks like SEB Private, Nordea Elite
AMEX: Platinum/Centurion for top-tier clients
Finance: Exclusive EMI and concierge
Requirements: Asset minimums (~millions SEK)
Material: Metal (Titanium, premium composites)
📊 Quick Comparison Table
| Bank / Issuer | Card Types | Fee (SEK) | EMI Available | Material | Requirements |
| AMEX Consumer | Green, Gold, Platinum | 0 / ~175 / ~650/mo | Yes | Plastic/Metal | Income ≥200 k, credit check |
| AMEX Corporate (Handelsbanken) | Green, Gold, Meeting | 525 / 1 250 / 525/yr | No | Plastic | Company registration, billing setup |
| SAS AMEX | Classic, Premium, Elite, Platinum | 0 / 100 / 400 / 650/mo | Yes | Depends | Credit history, SAS membership |
| EnterCard (Swedbank) | Credit line AMEX | Varies | Yes | Plastic | Swedbank acct, credit check |
| Resurs, Collector, Ikano | Co-branded AMEX | Varies | Yes | Plastic | Income, residency, credit check |
| Bank Norwegian | Travel credit card | Varies | Yes | Plastic | Nordic residency, credit approval |
| Citibank Sweden | Premium corporate AMEX | Custom | Yes | Premium plastic/metal | High net worth, global banking |
| Boutique Private Banks | Platinum / Centurion | Custom | Yes | Metal/Titanium | Asset assertion, high income/assets |
🔍 Key Insights
- Banking in Sweden — AMEX adoption is limited but stable.
- Finance & EMI options are increasingly common—even on premium cards.
- Dimensions & Material (plastic vs. metal) signal prestige & benefits.
- Requirements for personal issuance: stable income, residency, good credit.
- Assestion matters most at the high end—Centurion/Platinum via private clients.
- Retail availability: mainstream through AMEX Sweden, SAS AMEX, EnterCard, and Resurs/Collector/Ikano.
💡 Pro Tips
- Carry a backup Visa/Mastercard—some smaller outlets may not accept AMEX .
- Use EMI for large purchases—many consumer cards offer installment programs.
- Evaluate Material type: Platinum/Metal often includes travel insurance & lounge perks.
- Assestion isn’t just income—it’s part of Swedish credit culture and influences approval.
✅ Final Word
In Sweden, your best route to get an AMEX is through:
- AMEX Consumer (Swedish-card website)
- SAS AMEX for travel perks
- Co-branded via EnterCard, Resurs, Ikano, Collector
- And for elite clients, Citibank or private banks offering Platinum/Centurion
🔄 If you want help choosing based on travel habits, EMI needs, or want a comparison infographic, just let me know!