Best Cash Back Credit Cards for International Students in Norway
The best cash back credit cards for international students in Norway can return part of your spending through direct cashback, grocery bonuses, invoice discounts or reward points. However, only a few Norwegian cards provide true cashback on almost every eligible purchase.
For most eligible students, Bank Norwegian Credit Card is the strongest general cashback option. Trumf Kredittkort can deliver higher returns on groceries, while re Black is better for online-shopping discounts.
Best Cashback Cards in Norway: Quick Picks
- Bank Norwegian: Best true cashback card.
- Trumf Kredittkort: Best for grocery shopping.
- Re Black: Best for online-shopping discounts.
- Resurs Gold: Best for redeemable reward points.
These are ordinary credit cards, not guaranteed student cards. Approval depends on income, existing debt, residence information and an individual credit assessment.
Best Cash Back Credit Cards for International Students in Norway
1. Bank Norwegian Credit Card — Best True Cashback Card
Bank Norwegian offers one of Norway’s simplest cashback programmes.
Cardholders can choose between:
- 0.5% cashback on eligible purchases.
- Norwegian CashPoints for future airline tickets.
One cashback point equals NOK 1 and can be used to reduce the outstanding credit card balance. Earned cashback does not expire while the account remains active.
Transactions that generally do not earn cashback include:
- Cash withdrawals.
- Transfers from the credit card.
- Person-to-person payments such as Vipps transfers.
- Airline purchases.
Example of Potential Cashback
A student spending NOK 6,000 monthly on eligible purchases would earn approximately:
- Monthly cashback: NOK 30.
- Annual cashback: NOK 360.
The card also offers:
- No annual fee.
- Up to 45 interest-free days.
- Supplementary travel insurance.
- A credit limit determined through the bank’s assessment.
Applicants must be over 18, have no payment remarks and pass a credit assessment that considers factors such as income and debt.
Best for: Students with documented income who want straightforward cashback on everyday purchases.
2. Trumf Kredittkort — Best for Groceries
Trumf Kredittkort can provide a significantly higher return than a standard 0.5% cashback card when used at participating grocery stores.
Current rewards include:
- 2% total Trumf bonus at KIWI, MENY, SPAR, Joker and other participating NorgesGruppen stores.
- 4% total bonus on Triple-Trumf Thursdays.
- An additional 1% when paying through Trumf Pay under the applicable conditions.
- No stated upper limit on the amount of bonus that can be earned.
- No annual fee.
Trumf bonus can be:
- Used to pay for groceries.
- Transferred to a Norwegian bank account.
- Converted into selected travel rewards.
- Donated to participating organisations.
The card also includes up to 45 interest-free days and travel insurance when the required share of transportation or accommodation is paid with it.
No Trumf bonus is normally earned on cash withdrawals, person-to-person transfers, foreign grocery purchases or competing Norwegian grocery chains.
Best for: Students who regularly shop at KIWI, MENY, SPAR, Joker or other participating stores.
3. Re Black — Best for Online Discounts
Re Black does not offer universal cashback on every transaction. Instead, it provides invoice discounts through the re Reward programme.
Published benefits include:
- Discounts of up to 20% at more than 200 online retailers.
- No annual fee.
- No electronic invoice fee.
- Up to 45 interest-free days.
- Supplementary travel and cancellation insurance.
Participating categories can include:
- Clothing and fashion.
- Hotels and holiday accommodation.
- Flights and travel services.
- Car rental.
- Home and electronics.
- Sports and leisure.
To earn a discount, the cardholder generally needs to access the participating store through the Reward programme and pay using the re card. The discount is then deducted from a later invoice.
Applicants generally need to be over 18, have fixed income, have no registered payment remarks and pass an individual credit assessment.
Best for: Students who shop regularly at participating online retailers and can follow the programme’s purchase process.
4. Resurs Gold — Best for Reward Points
Resurs Gold provides points rather than direct cashback.
Cardholders currently earn:
- One bonus point for every NOK 1 spent.
- Access to the Resurs points store.
- Rewards such as gift cards, travel, products and experiences.
- Up to 60 interest-free days.
- An approved credit limit of up to NOK 75,000.
The value of the points depends on the rewards selected, so students should not assume that one point equals NOK 1.
Applicants must:
- Be at least 20.
- Have fixed income.
- Be registered as residents in Norway.
- Have no payment remarks.
- Pass a credit assessment.
Best for: Students aged 20 or older who prefer gift cards or merchandise to direct cashback.
Why Morrow Bank Is No Longer a Top Cashback Card
Morrow Bank previously offered a popular bonus programme. However, the bank stopped allowing customers to earn new bonus points from May 1, 2026.
Points earned through April 30, 2026 remain available for existing customers, but new purchases no longer generate bonus points. Morrow now provides a separate benefits platform with discounts and offers instead.
For that reason, it should no longer be promoted as a leading cashback card for new applicants.
Credit Card Requirements for International Students
Requirements vary, but international students commonly need:
- To satisfy the issuer’s minimum age.
- Norwegian identification and usually BankID.
- Registered residence in Norway when required.
- Fixed or documentable income.
- No active payment remarks.
- Manageable existing loans and credit limits.
- Enough disposable income after rent and living expenses.
- A successful credit assessment.
Norway’s Debt Register contains information about unsecured consumer debt, including credit card balances and available credit facilities. Financial institutions may use this information when processing a new credit application.
A scholarship or family transfer may fund your studies, but an issuer may not treat it as fixed repayment income.
Which Cashback Card Should You Choose?
Choose Bank Norwegian when you want flexible cashback on ordinary purchases.
Choose Trumf Kredittkort when groceries represent a large part of your student budget and you shop at participating chains.
Choose Re Black when most of your potential savings come from online purchases, travel bookings or retailer-specific discounts.
Choose Resurs Gold when reward products and gift cards are more valuable to you than direct cashback.
How to Maximise Cashback Safely
Follow these rules:
- Pay the entire invoice before the due date.
- Never spend extra merely to earn rewards.
- Avoid cash withdrawals and credit-card transfers.
- Check excluded transactions before applying.
- Compare the reward with foreign-currency charges.
- Avoid carrying interest-bearing debt.
- Request a modest student credit limit.
- Confirm that expected rewards exceed any recurring fees.
Interest can quickly exceed the value of cashback. A card returning 0.5% offers little benefit when the balance is charged interest exceeding 20% annually.
Final Verdict
Bank Norwegian is the best general cashback credit card for eligible international students in Norway because it provides 0.5% cashback, no annual fee and flexible redemption against the card balance.
Trumf Kredittkort may deliver greater savings for students who buy most of their groceries from participating NorgesGruppen stores. Re Black is better for online discounts, while Resurs Gold is suitable for applicants who prefer reward points.
Students without stable income should continue using a debit card rather than borrowing merely to earn cashback.
