VISA DEBIT 还是VISA ELECTRON

中国学生刚到芬兰时,一般都没法立即申请NORDEA 的信用卡.银行职员一般会推荐VISA ELECTRON,但您可以询问是否可以申请VISA DEBIT.

如果是第一次申请卡,可考虑直接申请VISA DEBIT,有银行卡的所有一般功能(取现,在商店购物(输不输PIN CODE 取决于商店性质, 在欧洲其他国家直接在当地ATM 取当地货币等),而且还可以网上购物.最大的好处是还免费获得网上购物的保险,这一点同信用卡是一样的.如果网上购物商品没有寄给您,或是延迟寄到,您都可以向NORDEA索取赔偿.

虽然VISA ELECTRON 也可以通过在NORDEA 网上注册的方式实现网上购物, 但不在网上购物保险的覆盖范围内.如果网上交易有人故意欺骗或违约,就只能自认倒霉.

当然如果您已经有了VISA ELECTRON 而且离到期日还很长(一般VISA ELECTRON 有效期为两年),就没有必要马上换成VISA ELECTRON,要额外交8.5欧的手续费. 可以在您的卡快到期时, 进入您的NORDEA网上银行的EMAIL系统(去柜台也行,但要去和排队的时间,时间就是金钱,能省就省啊!),表达您希望在当前VISA ELECTRON 到期后,转换成VISA DEBIT,就不需要额外费用了.

VISA DEBIT 和VISA ELECTRON 的相关费用(以正常价为例) 相差并不大,区别如下,但因为有免费的网上购物保险,还是物有所值.

Visa Debit

Finder’s fee 8,00 €
Change or renewal of card during its validity 8,50 €



Visa Electron
Finder’s fee 3,50 €
Change or renewal of card during its validity 5,00 €

均为小几率事件.

其他的费用两者都是一样的.

此外,如果您用PLUSSA的次数很多,也可以考虑申请(如果还没有任何卡)或是转换(当前卡快到期前)成带PLUSSA功能的VISA ELECTRON, 就不用单独申请PLUSSA卡了.详细信息请见

http://www.nordea.fi/Personal+customers/Cards+and+payments/Cards/Prices/1012072.html

但带PLUSSA功能的VISA ELECTRON仍然不能享受免费的网上购物保险.

Summary (3 major cards issued by Nordea Finland. Scope of Use: at least in Europe)

Visa Debit:
Withdraw foreign currencies from cash points/ATMs abroad (Yes)
Shopping in stores abroad (Yes)
Credit/Withdraw or spend more money than what currently is available on your account (No)
Online purchases (Yes)
Internet Purchase Protection Insurance (Yes)


Visa Credit Card:
Withdraw foreign currencies from cash points/ATMs abroad (Yes)
Shopping in stores abroad (Yes)
Credit (Yes)
Online purcahses (Yes)
Internet Purchase Protection Insurance (Yes)

Visa Electron
Withdraw foreign currencies from cash points/ATMs abroad (Yes)
Shopping in stores abroad (Yes)
Credit (No)
Online purcahses (Yes)
Internet Purchase Protection Insurance (No)


Remarks

MasterDebit is equivalent to VisaDebit, i.e.

Withdraw foreign currencies from cash points/ATMs abroad (Yes)
Shopping in stores abroad (Yes)
Credit/Withdraw or spend more money than what currently is available on your account (No)
Online purchases (Yes)
Internet Purchase Protection Insurance (Yes)

However, the fees and benefits of a MasterDebit card and a VisaDebit cad may differ.

Visa and Master are two companies (groups). So any type of Master cards does not carry the logo of Visa, and vice versa.