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Mastercard Upgrade

With Mastercard Upgrade, you get SAS EuroBonus points on all purchases with Mastercard from DNB.

Mastercard Upgrade SAGA
  • SAS EuroBonus points on purchases with Mastercard

  • Access to airport lounge for specific cards

  • Extra insurance included

Have your SAS EuroBonus number ready Price example Pluss Mastercard: eff.rate 20.27%, NOK 30 000 over 12 months. Cost: NOK 3 108. Total: NOK 33.108

What is Mastercard Upgrade?

Mastercard Upgrade gives you SAS EuroBonus points every time you use Mastercard from DNB. You can use the points for flights, hotel accommodation, rental cars or shopping. You also get extra insurance included.

SAGA and Private Banking customers also get level points and access to airport lounges in Norway and abroad

To order a Mastercard Upgrade, you’ll need:

  • Mastercard from DNB
  • SAS EuroBonus membership

How do SAS EuroBonus points work?

Price

From 59 NOK per month

The price and benefits you get depend on your card. See benefits and prices for different cards.

  • Earning of SAS EuroBonus points starts no later than the day after you have upgraded your DNB Mastercard.
  • The first time you use the credit card after the upgrade, your welcome points will be activated.
  • The welcome points are transferred to your SAS EuroBonus account on your first Mastercard bill.
  • You’ll get bonus points on Mastercard purchases in Norway, abroad and online.
    Exceptions on some transactions. See all exceptions.

Benefits and price of Mastercard Upgrade

Ung (Young Adults) Mastercard
  • Earn 10 points in Norwegian currency and 15 points in foreign currency per NOK 100 spent
  • 3.000 welcome points
  • Car hire excess insurance, purchase insurance and price insurance – see insurance terms and conditions (PDF)

Price per month NOK 59.

SAGA Mastercard
  • Earn 15 points in Norwegian currency and 20 points in foreign currency per NOK 100 spent
  • 10.000 welcome points
  • Earn up to 30 000 levelpoints per calendar year
  • Airport lounge access around the world with four free visits for you and/or your guests
  • Option to become a member of Avis' President's Club at no extra cost
  • Car hire excess insurance, purchase insurance and price insurance – see insurance terms and conditions (PDF)

Price per month NOK 169.

DNB Mastercard
  • Earn 10 points in Norwegian currency and 15 points in foreign currency per NOK 100 spent
  • 3.000 welcome points
  • Car hire excess insurance, purchase insurance and price insurance – see insurance terms and conditions (PDF)

Price per month NOK 59.

Pluss Mastercard
  • Earn 10 points in Norwegian currency and 15 points in foreign currency per NOK 100 spent
  • 3.000 welcome points
  • Car hire excess insurance, purchase insurance and price insurance – see insurance terms and conditions (PDF)

Price per month NOK 59.

Private Banking Mastercard
  • Earn 15 points in Norwegian currency and 20 points in foreign currency per NOK 100 spent
  • 10.000 welcome points
  • Earn up to 30 000 levelpoints per calendar year
  • Option to become a member of Avis' President's Club at no extra cost
  • Car hire excess insurance, purchase insurance and price insurance – see insurance terms and conditions (PDF)

Price per month NOK 169.

Remember that as a Private Banking customer you already have access to airport lounges in Norway and abroad

SAGAPrivate BankingPlussUng (Young Adults)DNB Mastercard

Price per month

NOK 169

NOK 169

NOK 59

NOK 59

NOK 59

Welcome points

10 000 points

10 000 points

3 000 points

3 000 points

3 000 points

Points per NOK 100 spent

15 points

15 points

10 points

10 points

10 points

Points per NOK 100 spent foreign currency

20 points

20 points

15 points

15 points

15 points

Excess cover for rental cars, purchase protection and price guarantees

Have been selectedHave been selectedHave been selectedHave been selectedHave been selected

Access to lounges at airports in Norway and abroad

Have been selectedHave been selected

Free membership of the Avis President’s Club

Have been selectedHave been selected

Level points: use over NOK 100,000 per calendar year

10 000 points

10 000 points

Level points: use over NOK 200,000 per calendar year

10 000 points (20 000 in total)

10 000 points (20 000 in total)

Level points: use over NOK 500,000 per calendar year

10 000 points (30 000 in total)

10 000 points (30 000 in total)

Maximum qualifying revenue per calendar year

NOK 700 000

NOK 1 000 000

NOK 500 000

NOK 500 000

NOK 500 000

title

Don’t have a Mastercard from DNB?

You need this to order a Mastercard Upgrade.

See our Mastercards

Correct use of credit cards

You get the best range of benefits and discounts by clearing the entire balance by the due date.

Smart card use
Shop online with Mastercard Upgrade

Extra protection when you pay with Mastercard from DNB

With Mastercard Upgrade, you get many extra benefits when you shop with your credit card:

Purchase protection in store and online

The card’s insurance package also secures you against loss, theft or damage anywhere in the world, of a product you have bought with the card.

Price guarantee on product purchases

Have you ever bought a product only to find the exact same product elsewhere at a lower price? If this happens, in principle we’ll cover the difference.

Excess cover for rental cars

Have you ever been sold additional insurance when you go to collect your rental car? If you pay with your Mastercard Upgrade, you can safely decline next time. You’re already well covered by the card’s insurance package.

Questions and answers

Do I get a new Mastercard when I upgrade the card?

No, you keep your Mastercard. We’ll make sure this is linked up in our systems.

Where will I see my earned points?

You can see the SAS EuroBonus points you’ve earned on the Mastercard invoice from DNB.

In addition, you will see your total earned SAS EuroBonus points on the SAS EuroBonus member pages and in the SAS app.

When will the earned SAS EuroBonus points be transferred?

SAS Eurobonus points will be transferred to your SAS Eurobonus account when invoicing posted qualifying transactions. Please note that transactions must be posted within the calendar year in order for them to be included in the first invoicing.

The points you earn will be shown on your Mastercard invoice. The total points balance appears on the summary you will receive from SAS.

What happens to the points if I change my Mastercard?

If you get a new Mastercard as a result of a card renewal, the points will be transferred to your new card.

If you get a new Mastercard as a result of changing programmes, Mastercard Upgrade will be transferred. The monthly fee and earned points will be adjusted to the terms and conditions of the new Mastercard.

How do level points work?

Level points apply to those with SAGA or Private Banking Mastercard and have three levels:

1. If you use Mastercards for more than NOK 100,000 per calendar year, you’ll get 10,000 level points transferred to your EuroBonus account.

2. You use a Mastercard for more than NOK 200,000 per year and you get an additional 10,000 level points.

3. If you use a Mastercard for more than NOK 500,000 per calendar year, you’ll get an extra 10,000 level points.

You can thus earn up to 30,000 EuroBonus level points per calendar year.

EuroBonus level points offer the possibility of upgrading a SAS EuroBonus membership level, but cannot be used for travel, goods or services within the EuroBonus programme.

Level points will be transferred to your SAS EuroBonus account when billing posted qualifying transactions when the target turnover is achieved.

Please note that transactions must be posted within the calendar year in order for them to be included in the first invoicing and transfer of level points.

Purchased online but haven’t received the product?

Mastercard Upgrade gives you extra protection when shopping online. Paid for a product but not received it within 90 days? If so, in principle, we will cover this amount. See the terms and conditions for details of this cover.

Please note that this insurance does not cover losses or damage while the item is being sent by regular post or courier.

When will I get the welcome points?

The first time you use your card after the upgrade, your welcome points will be activated. The welcome points are transferred to your SAS EuroBonus account on your first bill. Points are awarded on every purchases using a Mastercard in Norway, abroad and online.

Do I get welcome points if I unsubscribe and then resubscribe to Mastercard Upgrade?

If you unsubscribe from Mastercard Upgrade and then resubscribe, you will not be able to claim any new welcome points.

The exception is if you move from one customer loyalty programme to another. For example, if you move from being a Pluss customer to a SAGA customer, you will receive new welcome points.

Which transactions do not award any points?
  • Cash withdrawals over the counter and from cash machines
  • Transfers from Mastercard to an online bank account.
  • Money transfers between people.
  • Purchasing currency with associated fees or other costs related to such transactions.
  • Purchasing bank transfers, cheques and traveller’s cheques with associated fees or other costs related to such transactions.
  • Costs and fees incurred in accordance with the terms and conditions for Mastercard such as, but not limited to, annual fees, interest, invoicing costs, payment reminders, collections costs and legal expenses.
  • Use of Mastercard for the purchase of goods and services in business, with the exception of payments in connection with business trips, representation and small employee arrangements.
  • Use of Mastercards that are not linked to the purchase of goods and services for the account holder’s personal use, or otherwise appear to be misuse.

See terms and conditions for more details.

I have an additional card on my Mastercard account. Can I earn points on it?

Yes, you can. Points earned on any additional cards will be credited to the main member’s Mastercard account.

How do I use the Lounge access as a SAGA customer?

Access to lounges through Upgrade applies for SAGA Mastercard

If you have upgraded your Mastercard you get automatic access to over 1000 airport lounges across the world with LoungeKey

You can download the Lounge Key app Mastercard Airport Experiences in the App Store or Google Play for a simple overview of lounges accessible at the airport, how to get there and the services on offer.

The lounges let you eat, drink and relax while you’re travelling. We offer the first four visits a year, and you can choose whether you want to use them yourself or also for guests. Prices for other visits and guests are detailed in the price list.

LoungeKey must be confused with SAS lounges.

With the upgrade, you also get Mastercard Airport Experiences provided by LoungeKey, which means you get access to exclusive offers at more than 400 airports across the world.

Sign up to see which lounges you have access to and which offers are available right now.

If you have an Æ, Ø or Å in your name, you need to replace these letters with AE, OE or AA.

It can take up to two working days for your card number to be registered with LoungeKey, and you can create a profile.

LoungeKey customer service is open 24/7. If you cannot access the lounge or have any other questions you can call +44 20 86 33 75 96 for help.

What does excess cover for rental cars mean?

This insurance covers the excess charge in the event of damage to your rental car and applies wherever you are in the world, provided you have hired the car as a non-professional from a professional car rental company.

Make sure the car rental agreement is taken out in the cardholder’s name to ensure the insurance is valid. The insurance does not apply if you are below the age of 21 and are renting a car.

How do I cancel my Mastercard Upgrade?

You are fee to cancel your Mastercard Upgrade at any time. Get in touch with us and we’ll help you.

Useful information

Terms and conditions

SAS EuroBonus terms and conditions

Pluss, Ung (Young Adults) and DNB Mastercard

Agreement terms and conditions for Mastercard Upgrade SAS EuroBonus Bonus points (PDF)Open the file in a new tab

Terms and conditions for Mastercard Upgrade (PDF)

SAGA and Private Banking Mastercard

Agreement terms and conditions for Mastercard Upgrade SAS EuroBonus Bonus points (PDF)Open the file in a new tab

Terms and conditions for Mastercard Upgrade (PDF)

Report damage or injury

When you want to use the insurance under the Mastercard Upgrade, report your damage or injury as soon as possible to the insurance provider by telephone on +47 67 55 25 00, email dnbkort@crawco.no or letter to the following address:

DNB Bank Credit Card Claims, Crawford and Company, PO Box 133 1,300 Sandvika.

Cooling-off rights

Cancellation form (PDF)

Our Mastercards

  • Pluss Mastercard

    For adults aged over 28.

  • Ung (Young Adults) Mastercard

    For young adults aged 18 to 28.

  • SAGA Mastercard

    For people with high income or high net worth.

  • Private Banking Mastercard

    For people with high investable net worth.

  • DNB Mastercard

    Credit card for people who only want a Mastercard at DNB