How different shoppers use the Klarna Card
The Klarna Card wasn't built for one type of shopper — it was built for everyone. Whether you're tapping to pay for your morning coffee, splitting a bigger purchase, or booking flights on the other side of the world, it fits the way you actually spend. One card. Your rules.
Enjoy flexibility with the Klarna Card
The Klarna Card is a debit card connected to your Klarna balance, designed to give you more control over how you spend.
With the Klarna Card, you can:
Pay directly from your preloaded balance. No surprises, no overspending
Earn cashback with a membership on every debit purchase you make¹
Pay later when you need that extra breathing room²
Instant premium benefits, unlocked with memberships³
Full control over how you pay, every single time.
Paid membership required for a physical card. A one-time plastic card fee applies.
¹ Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna balance and other benefits. Other limitations, conditions, and restrictions apply to benefits like Klarna Membership cashback.
² Service fee or a paid membership required to access Klarna Card Pay Later plans. Pay in 3 Loans with a service fee are regulated credit agreements. Representative APR 38.75%. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.
³ Klarna Membership offered for a monthly fee. Cancel any time in the Klarna app. Exclusions, conditions, and limitations apply to membership benefits. Klarna Membership Terms apply..
How can you use your Klarna Card?
Everyday spending
The Klarna Card is made for the way you shop day-to-day. Add money, tap to pay, and earn as you go, online or in-store. Simple.
Bigger purchases
Got something larger on your list? Apply for a pay later plan before you shop and spread the cost into payments that actually work for your schedule.
Travel costs
Flights. Hotels. Unexpected costs. The Klarna Card handles bigger travel expenses with ease. Manage bookings flexibly and pay wherever Visa is accepted.
For reward-focused shoppers
If rewards matter to how you spend, the Klarna Card has you covered. Sign up for a membership plan and earn cashback on eligible purchases, plus unlock perks like global travel benefits and subscription offers.⁴
Everything lives in your Klarna account. No separate programmes to manage. Just enrol in a membership, use your card, and watch your cashback and perks stack up, all tracked right in the app.
The more you use it, the more it gives back.
⁴ Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna balance and other benefits. Other limitations, conditions, and restrictions apply to benefits like Klarna Membership cashback.
For flexible decision-makers
Pay now or pay later. With the Klarna Card, that call is always yours. Use your Klarna balance to pay instantly, or apply for a pay later plan in the app before you shop. Once your purchase is complete, your card automatically switches back to debit mode.
One card. No juggling between accounts. No friction.
Top reasons for a Klarna Card
Flexible payment options
All in one place
No foreign transaction fees
Earn cashback
Get your card today
Sign up in the app: