Best Cash Back Credit Cards for International Students in Denmark

The best cash back credit cards for international students in Denmark can return part of your spending as cash, grocery bonuses or discounts on a future card statement.

Denmark has only a limited number of cards offering cashback on nearly every purchase. Bank Norwegian Credit Card is the strongest general cashback option, while Danske Bank Mastercard Basis offers merchant-specific cashback. Coop Bank Mastercard Credit is better for groceries, and re Mastercard provides online discounts rather than traditional cashback.

Last updated: July 23, 2026

Best Cashback Cards in Denmark: Quick Picks

1. Bank Norwegian Credit Card: Best true cashback card.
2. Danske Bank Mastercard Basis: Best merchant cashback programme.
3. Coop Bank Mastercard Credit: Best for Coop grocery shopping.
4. Re Mastercard: Best for online-shopping discounts.

These are ordinary credit cards rather than guaranteed student products. Danish lenders must assess whether an applicant has enough disposable income to repay the credit, including interest and fees.

Best Cash Back Credit Cards for International Students in Denmark

1. Bank Norwegian Credit Card — Best True Cashback Card

Bank Norwegian provides the clearest general cashback programme among the cards reviewed.

Cardholders can choose between:

• 0.5% cashback on eligible purchases.
• CashPoints that can be used through Norwegian’s reward programme.

One cashback point equals one Danish krone and can be used to reduce the outstanding card invoice. Cashback can be earned on qualifying purchases up to DKK 150,000 per calendar year.

Transactions that do not normally earn cashback include:

• Cash withdrawals.
• Transfers to NemKonto.
• Money transfers through services such as MobilePay.
• Airline purchases.

The card also offers:

• No annual fee.
• Up to 45 interest-free days.
• Credit of up to DKK 100,000, depending on approval.
• Supplementary travel and cancellation insurance.

Example of Potential Cashback

A student spending DKK 5,000 per month on eligible purchases would spend DKK 60,000 annually.

At a 0.5% rate, that produces:

• Average monthly cashback: DKK 25.
• Potential annual cashback: DKK 300.

That reward is valuable only when the entire monthly invoice is paid before interest is charged.

Who Can Apply?

Bank Norwegian’s minimum published conditions require applicants to:

• Be at least 18.
• Live in Denmark.
• Have no registration in RKI or Debitor Registret.
• Pass an individual credit assessment.

Best for: International students with regular documented income who want uncomplicated cashback without an annual fee.

2. Danske Bank Mastercard Basis — Best Merchant Cashback

Danske Bank’s cashback programme works differently from Bank Norwegian’s flat-rate system.

Customers can register a private Danske Bank Mastercard and earn cashback at more than 2,000 participating shops, restaurants, petrol stations and online stores. Once the cashback balance reaches DKK 100, the money can be transferred to the customer’s Danske Bank account.

Unlike points or store vouchers, the reward is paid as money. However, cashback is available only at participating merchants, and the percentage varies by offer.

Mastercard Basis provides:

• Up to six weeks of interest-free credit.
• A usual minimum credit facility of DKK 15,000.
• Combined credit and debit functions.
• Mobile-wallet support.
• Optional travel insurance.
• Access to Danske Bank’s cashback programme.

The customer must activate cashback through Danske Bank’s mobile banking service. All eligible private Mastercards are then registered automatically.

Best for: Students who already bank with Danske Bank and regularly shop at participating cashback merchants.

Main limitation: The cashback is not earned on every purchase, and the normal minimum DKK 15,000 credit facility may be larger than some students need.

3. Coop Bank Mastercard Credit — Best for Groceries

Coop Bank Mastercard Credit is designed for customers who regularly shop at Coop stores such as:

• Coop 365.
• SuperBrugsen.
• Kvickly.
• Coop.dk.

Coop members receive an additional 0.20% bonus when paying with the card in participating Coop stores or on Coop.dk. After spending more than DKK 500 during a month, members can also receive a 1% bonus on selected brands for the remainder of that month, subject to Coop’s membership conditions.

The card currently provides:

• Credit of up to DKK 50,000.
• International Mastercard acceptance.
• Online purchases.
• Flexible monthly repayment.
• Automatic Coop membership bonuses.

The approved spending and credit limits are determined following an individual credit assessment.

Is the Reward Worth It?

A 0.20% additional bonus is relatively modest.

For example:

• DKK 2,000 in monthly Coop purchases produces DKK 4 in additional card bonus.
• DKK 24,000 in annual purchases produces DKK 48.

The wider Coop membership programme may increase the total reward, but students should not choose the card solely for the additional 0.20%.

Best for: Students who already buy most of their groceries from Coop and can use the membership bonuses.

4. Re Mastercard — Best for Online Discounts

Re Mastercard does not provide universal cashback. Instead, it offers statement discounts through the re reward programme.

Current benefits include:

• Discounts of up to 25% at more than 140 online stores.
• No annual card fee.
• Up to 52 interest-free days.
• Supplementary travel insurance.
• No charge for electronic invoices or an additional card.

To receive a discount, the cardholder must:

1. Enter the participating store through the re reward portal.
2. Complete the purchase using re Mastercard.
3. Wait for the discount to be deducted automatically from a future card invoice.

Participating categories include:

• Electronics.
• Clothing and fashion.
• Hotels and travel.
• Car rental.
• Sports and leisure.
• Home products.
• Subscriptions and services.

The discount can be much higher than ordinary 0.5% cashback, but it applies only at selected retailers and requires the correct shopping process.

Best for: Students who frequently shop online through participating stores.

Which Cashback Card Is Best for You?

Choose Bank Norwegian when you want a predictable 0.5% return on most eligible everyday purchases.

Choose Danske Bank Mastercard Basis when you already use Danske Bank and shop frequently at its participating cashback merchants.

Choose Coop Bank Mastercard Credit when groceries represent a large part of your budget and you regularly shop at Coop.

Choose re Mastercard when online retailer discounts are more valuable to you than a small reward on every purchase.

Credit Card Requirements for International Students

International students will generally need:

• A Danish CPR number.
• A Danish residential address.
• MitID.
• Regular and documentable income.
• No RKI or serious payment problems.
• Sufficient disposable income after rent and other expenses.
• Approval following a creditworthiness assessment.

The right to a basic payment account does not include an automatic right to a credit card. A bank can approve a current account and debit card while rejecting the credit application.

How to Maximise Cashback Safely

Follow these rules:

1. Pay the complete invoice every month.
2. Never spend extra merely to earn cashback.
3. Avoid cash withdrawals and card transfers.
4. Check excluded transactions.
5. Compare foreign-currency fees with the reward rate.
6. Choose a card matching your normal spending habits.
7. Request the lowest practical credit limit.
8. Avoid applying to several providers simultaneously.

A 0.5% reward provides little value when an unpaid balance is charged interest exceeding 20% annually.

Final Verdict

Bank Norwegian Credit Card is the best overall cashback card for eligible international students in Denmark. It offers 0.5% cashback, no annual fee and flexible redemption against the card invoice.

Danske Bank Mastercard Basis is the best option for merchant-specific cashback, while Coop Bank Mastercard Credit is useful for loyal Coop shoppers. Re Mastercard is a strong alternative for students seeking larger discounts at selected online stores.

Students without stable income should use a debit card rather than borrowing to earn small rewards.

Official Sources

• Bank Norwegian Credit Card
• Bank Norwegian Cashback Programme
• Bank Norwegian Application Requirements
• Danske Bank Mastercard Basis
• Danske Bank Cashback Programme
• Coop Bank Mastercard Credit
• Coop Bank Card Comparison
• Re Mastercard
• Re Reward
• Danish Financial Supervisory Authority – Banks and Credit Assessments