IKEA Family credit card
The fully fledged credit card for IKEA Family members is free, gives you the option to pay in instalments and access to exciting member benefits, and can be used anywhere in the world.
IKEA Family Club offer - 6 monthly instalments interest free!*
Sign up by 12 October 2025 for the IKEA Family Credit Card and you'll get six interest-free monthly payments on your IKEA purchases*.
*Valid until 12.10.2025. Applies to purchases paid for with the IKEA Family credit card at IKEA CH during the promotion period and use of the instalment facility. In these cases, no interest is charged for the first 6 months (minimum payment per month: 3% of the invoice amount, min. CHF50.-). After 6 months, you can pay the remaining amount in full or continue to pay in instalments. The annual interest rate for instalments is 7.95% (or 13% for all non-IKEA CH transactions). Example: A purchase at IKEA CH during the promotion period of an amount of CHF 1,350.- with monthly instalments of CHF 72.30.- over 20 months incurs interest costs of CHF 95.85.- (6 months interest-free, thereafter 7.95 %) and results in a total purchase price of CHF 1,445.85.-. The granting of credit is prohibited if it leads to over-indebtedness (Art. 3 Swiss Federal Act against Unfair Competition). The issuer is Cembra Money Bank AG, Zurich.
Your credit card is just 5 minutes away in 3 easy steps
- Scan the QR code or click on the button below
- Complete the application and have your ID ready
- Once your application has been approved, add your virtual credit card to your wallet - You’ll receive your physical card in the post as normal
Scan this QR code or click on the button "Apply on your phone now"
When you click on ‘Apply on your phone now’ you’ll be redirected to our partner CEMBRA. The card is issued by Cembra Money Bank AG, Zurich
You also have the option of applying for your IKEA Family credit card without instant online verification. It will just take a bit longer and you’ll have to wait for your card to arrive in the post once your application has been approved. When you click on ‘Apply now and receive your card by post‘, you’ll be redirected to our partner CEMBRA. The card is issued by Cembra Money Bank AG, Zurich
Your benefits with the IKEA Family credit card
With your IKEA Family credit card you can not only pay conveniently, you also benefit from a variety of attractive conditions and advantages.
No annual fees
Your IKEA Family credit card is free and so is the additional card.
Pay in instalments*
Stay flexible! Our part payment option* allows you to spread out the cost of all your purchases.
0%* interest rate
The first 3 months of split payment are always free of charge for all IKEA purchases.
Profit from double credit card points
Collect two credit card points for every Swiss Franc spent at IKEA using the IKEA Family credit card and get an IKEA gift card every three months.
More benefits for you
- Use your card to make purchases and withdraw cash around the world.
- Mobile payment – pay quickly and conveniently using your smartphone or smartwatch.
- Design your own totally unique credit card with MyDesign.
- The card itself is made from 100% recycled material.
- CEMBRA app – manage your credit card account when it suits you.
- Take advantage of even more benefits offered by Mastercard.
Collecting credit card points is worthwhile
- Collect credit card points all around the world
- Collect 2 credit card points for every Swiss franc spent at IKEA (in the stores and online)
- Collect 1 credit card point for every Swiss franc spent elsewhere
- Receive an IKEA gift card worth CHF 5.- for every 500 IKEA Family credit card points you collect.
- The IKEA gift card will be issued every three months.
Already have an IKEA Family credit card?
Here are some links that might come in handy.
CEMBRA app
You can use the app to access your credit card details, update your personal details and review your card usage.
Details and downloadAdditional card
You can apply for an additional card for someone else living in your household.
Order now
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