Klarna’s new membership programme, including Premium and Max, pack cashback, travel perks, and top subscriptions into one plan, delivering nearly 10x in monthly value with no spending targets.

Klarna, the global digital bank and payments provider, today unveiled its new global membership programme, introducing four tiers, Core, Plus, Premium and Max. The programme delivers premium benefits like cashback, travel perks, and lifestyle rewards in a transparent, monthly plan, without the need to take on expensive credit. The launch complements Klarna’s new

“We believe consumers shouldn’t have to take on expensive credit to access premium benefits,” said David Sandström, Chief Marketing Officer at Klarna. “For decades, exclusive perks such as airport lounge access, concierge-style subscriptions, and premium travel insurance were only available to elite credit card holders. Klarna is changing that. Through Klarna memberships, consumers can enjoy travel, lifestyle, and digital experiences in one seamless plan, without the burden of credit-based rewards or hidden costs.”

Legacy credit cards make consumers spend more to earn rewards. Klarna’s new membership flips the model, giving users premium perks without overspending or taking on debt. Premium and Max members can enjoy more than £400 in monthly benefits, including airport lounge access, travel insurance, ClassPass memberships, and top subscriptions like Vogue, GQ, Headspace, among many others. 

Members can also convert their Klarna earned cashback directly to leading travel and hospitality partners, including top global airlines such Air France–KLM, Virgin Atlantic and Turkish Airlines; iconic hotel groups like Accor, IHG Hotels & Resorts, Radisson, Global Hotel Alliance, and Wyndham. 

Premium and Max offer nearly 10x their monthly value across lifestyle and travel benefits, making them among the most comprehensive subscription membership programs available today.

Membership Offerings at a Glance

• Core

  • Cost: £1.99 a month 

  • Physical and virtual Klarna Card

  • Up to £15 in monthly exclusive merchant discounts 

• Plus

  • Cost: £7.99 a month 

  • Physical and virtual Klarna Card

  • 0.5% cashback when you pay in full with Klarna balance

  • £8 membership discount every three months at partner stores

  • Up to £80 in monthly exclusive merchant discounts 

• Premium

  • Cost: £17.99 a month for a total value of up to £3,000 in perks and benefits per year* 

  • Subscriptions to any of the following: Audiobooks.com, Blinkist, ClassPass, Clue, Condé Nast (Vogue & GQ), Headspace, Laundryheap, Picsart, The Times and Sunday Times

  • 0.5% cashback everywhere when using Klarna balance account

  • £8 membership discount every three months at partner stores

  • Up to £80 in monthly exclusive merchant discounts 

  • Global travel insurance  

  • Metal card (silver or black)

• Max

  • Cost: £44.99 a month for a total value of more than £5,000 in perks and benefits per year*

  • Subscriptions to any of the following: ASMALLWORLD, Audiobooks.com, Blinkist, ClassPass, Clue, Condé Nast (Vogue & GQ), Headspace, Laundryheap, Picsart, The Times and Sunday Times

  • 1% cashback everywhere when using Klarna balance account

  • £8 membership discount every three months at partner storesUp to £80 in monthly exclusive merchant discounts 

  • Comprehensive travel, rental-car, and cancel-for-any-reason insurance 

  • Unlimited airport lounge access worldwide via LoungeKey Pass (1,600+ lounges and travel experiences)

  • Exclusive rose gold metal card

Note to editors: 

• Klarna Card and Balance accounts are free to sign up to and use.

• The new membership plans will be available to Klarna customers within the coming weeks.

• Monthly value of perks and benefits vary per market. 

• Subscription offerings vary per market. 

• New partnerships, offers, and services will be continuously communicated to customers through the Klarna app and Klarna’s own channels.