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Is the SJ Prio Mastercard worth it?

What the card gives, what it costs and the conditions SEB Kort states.

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Short answer

SJ Prio Mastercard is issued by SEB Kort and costs SEK 415 a year after 6 months without an annual fee. It gives 10 to 30 SJ Prio points per SEK 100 spent and includes travel and cancellation insurance, and SEB Kort warns that borrowing costs money.

Discounts and classes Illustration of a plane, a train, a bus and a ferry around an outline map of Sweden

Why

  1. According to SEB Kort, the card has 6 months without an annual fee and then costs SEK 415 a year, or SEK 0 a year for members at the Prio Premium level.
  2. SEB Kort says you get 10 to 30 SJ Prio points per SEK 100 on all purchases: 10 at Prio, 20 at Prio Plus and 30 at Prio Premium.
  3. SEB Kort lists travel insurance, cancellation protection and a 30% discount on one trip purchase a year, and states: "Att låna kostar pengar!" (borrowing costs money).

Details

The six fee-free months apply to people who have not had the card in the last two years, and no points are given for cash withdrawals and transfers. The card is a credit product, so read the full terms at SEB Kort before you apply. For how SJ Prio points and levels work, see discounts and classes on SJ, and for wider trip costs, see what a trip to Sweden costs.

Tip

Read SEB Kort's full terms and compare the annual fee with the points you would earn on your own spending. Basics of the programme are in discounts and classes on SJ.

What may differ

The annual fee and points depend on your SJ Prio level: the fee is SEK 0 a year at Prio Premium, and points range from 10 at Prio to 30 at Prio Premium per SEK 100.

Common misconception

The SJ Prio Mastercard has no annual fee.

What actually happens

SEB Kort states 6 months without an annual fee for people who have not had the card in two years, then SEK 415 a year, or SEK 0 at Prio Premium.

People also ask

  • Is the SJ Prio credit card worth it?
  • What are the benefits of the SJ Prio Mastercard?

Sources

Prices and fees change, so check SEB Kort before you apply. Att låna kostar pengar (borrowing costs money).

Discounts and classes