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IKEA Family Credit Card

Bring your dreams to life!

The fully fledged credit card for IKEA Family members: it’s free, has an attractive benefits programme and can be used anywhere in the world.

Our welcome offer for you

*Three monthly instalments interest free! Sign up by 4 July 2021 for the IKEA Family Credit Card and you'll get three interest-free monthly payments on your IKEA purchases*.

If you're quick, you can bag a CHF 30.- reward. The first 5,000 IKEA Family members to apply for our new IKEA Family Credit Card will receive IKEA gift cards to the value of CHF 30.- with their first points statement. Get your IKEA Family Credit Card* now.

  • *If you pay for your purchase with your IKEA Family Credit Card at IKEA Switzerland between 26 March and 4 July 2021, you will not be charged interest for the first three months if you use the instalment option (minimum payment: 3% of the statement balance, but at least CHF 50 per month). After the first three months, you can either pay off the balance or continue to use the partial payment option. If you make partial payments, an interest rate of 7.95% for transactions at IKEA Switzerland and 11.95% for all transactions outside IKEA Switzerland is payable as of the 4th month. Example calculation: A purchase amount of CHF 1,350 with partial payments will result in interest costs of CHF 137 (annual interest 11.95%) and a total purchase price of CHF 1,487 based on monthly instalments of CHF 74.35 over 20 months. Credit may not be granted if it leads to excess debt on the part of the consumer (Art. 3 UWG). The issuer is Cembra Money Bank AG, Zurich.

IKEA Family Credit Card - what to expect:


  • MyDesign - Design your own totally unique credit card online.
  • Mobile Payment - Pay quickly and easily using your smartphone or smartwatch.
  • World card - Attractive supplementary insurance (find out more at and special benefits in Mastercard Priceless® Cities. For more information, visit
  • Cash withdrawals - Withdraw money at any cashpointat home or abroad.
  • eService - Access your credit card account online for free, whenever you need to.
  • Everything at a glance - Keep track of things with your detailed monthly statements.


Not yet an IKEA Family Club member? Then sign up now for free:

Join now

Design your life. Just how you like it.

Apply now for your personal IKEA Family Credit Card

Apply now

After clicking on the button "Apply now" you will be redirected to our partner CEMBRA. The IKEA Family credit card is issued byCembra Money Bank AG, Zurich.

Your advantages with the free IKEA Family Credit Card

Annual fees really not your thing?

Ours neither. YourIKEA Family credit card is free. So are any additional cards, which you can request forthe people you live with.

Earn points and enjoy the rewards  

As an IKEA Family member, you earn points for every pur-chase made in any non-IKEA store. IKEA Family credit card users collect one IKEA point1for every Swiss franc spent using the card – wherever you are in the world. At the end of each quarter, you can look forward to receiving an IKEA gift card.

You earn one IKEA point per Swiss franc spent through transactions outside of IKEA Switzerland. An IKEA gift card for CHF 5.00 is issued for every 500 IKEA points earned.

Ready when you are

On your marks, get set, go! Apply for your IKEA Family credit card on your next visit to your IKEA store. Once you’ve passed a credit check, you’ll be all set to make pur-chases for your living space quickly and easily through cashless payments.

further advantages:

Go cashless wherever you are

Weltenbummler kommen voll auf ihre Kosten! Ob für Einkäufe oder Bargeldbezüge– als vollwertige Kreditkarte kannst du deine Ikea Family Kreditkarte an weltweit rund 43 Millionen Mastercard Standorten einsetzen.

To our environment, with love

Nachhaltig Geld ausgeben –klingt komisch? Geht aber mit deiner IKEA Family Kreditkarte. Denn sie ist die einzige Kreditkarte aus 90% recyceltem Material.

Paying in instalments

Stay flexible! With the handy option to pay in instalments*, pay only 7,95% APR when you shop at IKEA (11,95% APR on purchases made elsewhere).

*When paying in instalments, the APR is 7,95% on payments made to IKEA Switzerland and 11,95% on all other transactions. The minimum monthly repayment is 3% of the total payable amount, or a minimum of CHF 50.00 per month. Example payment calculation: The rate of repayment for a purchase amount of CHF 1,350.00, paid in instalments, would be CHF 74.35 per month for 20 months. This takes into account interest of CHF 137.00 (calculated at a rate of 11,95% APR), and the total amount payable would be CHF 1,487.00. Credit may not be granted if doing so would lead to the overindebtedness of the consumer (Art. 3 of the Swiss Federal Act on Unfair Competition).

Make sure you get all the advantages

Apply for your IKEA Family credit card here:

Apply now

After clicking on the button "Apply now" you will be redirected to our partner CEMBRA. The IKEA Family credit card is issued by Cembra Money Bank AG, Zurich.

Already have an IKEA FAMILY credit card?

Emergency help

You have lost your card and would like to have it blocked?

CEMBRA e-Service

Here you get access to the following services:

  • Quick access to your credit card details
  • Change your personal data
  • Overview of your card activities

Supplementary card

Apply for an supplementary card for one person in the same household.

Special offers

Priceless Cities® programme exclusively for Mastercard cardholders - unforgettable experiences in your city and the cities you travel to.