Klarna Launches Memberships: Premium Perks Without Expensive Credit

Klarna, the global digital bank and payments provider, today unveiled its new global membership program, introducing Premium and Max. The program 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 builds on the new Klarna Card, which is set to debit by default and linked to the customer’s account with Klarna.This marks a major step in Klarna’s evolution into a full-scale digital bank helping consumers manage their money with greater value and control.

“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.

Premium and Max Tier Offerings at a Glance

• 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

  • Global travel insurance

  • 2GB travel eSIM

  • 16g 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

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

  • 5GB travel eSIM

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

  • Exclusive 16g rose gold metal card