Klarna Max and 30,000 EuroBonus points: is it worth it? (September 2026)

Is the Klarna EuroBonus offer worth it?

Yes. In Norway the campaign price for Max is about 349 kr a month, so two months costs about 699 kr and pays 30,000 EuroBonus points, which is about 43 points per krone. Earning the same 30,000 points through Klarna's ordinary cashback would take around 165,000 kr of spending. Most of the risk sits in forgetting to cancel afterwards.

Klarna and SAS are running a short campaign for new members. Sign up for a Klarna Membership between 1 and 15 September 2026, keep it until 19 October, and SAS credits your EuroBonus account with 15,000 points on Premium or 30,000 on Max.^[1] It is open to residents of Norway, Sweden, Denmark and Finland who are 18 or over.

A word on both, if this is new to you. EuroBonus is the SAS loyalty programme, where the points you collect pay for flights, upgrades and hotel nights. Klarna Max is the top of Klarna's membership tiers, with cashback on Klarna purchases, lounge access and more than twenty subscriptions.

This article is about the welcome offer alone, and how to get the most out of the two months it asks for. It is not a guide to collecting EuroBonus points the rest of the year.

What you pay, and what you get

Plan for two months. Whichever day you join inside the campaign window, your first month runs out before 19 October, so a second charge is always part of the price.

Those are campaign prices. Klarna takes 30 % off the first three months, on both Premium and Max, and you have to join by 30 September to get it.^[2] Since the offer needs only two months, both of them are discounted. At the full price, two months of Max costs 998 kr in Norway, 1,098 kr in Sweden and 698 kr in Denmark, which is about 30, 27 and 43 points per krone.

Those rates count the whole subscription as the cost of the points, which is the harshest way to read it. If you use the lounges or the included services even once, the points get cheaper still. For comparison, Klarna Max pays 1.5 % cashback, and 100 cashback points is one krone.^[3] The Klarna app converts 100 cashback points into 12.07 EuroBonus points, so 100 kr of spending gives you about 18 points.

How to set it up, step by step

1. Download the Klarna app and create an account, if you do not already have one.
2. Start the Max subscription. Pick the tier you want at signup, because upgrading later during the campaign does not top up the points. Before you confirm the purchase, check that the welcome offer is shown on the Max page. If it is not, do not complete the purchase. You risk paying for two months and getting no points.
3. Link your SAS EuroBonus number when Klarna asks for it during signup. We took Max ourselves to check: it asks whether or not you already saved the card under loyalty cards, so have the number ready.
4. Write the cancellation date in your calendar now: after 19 October, and before your third month renews.

Why 19 October is the date to watch

The terms say the points are credited only if the subscription is active and in good standing on the award date, with no arrears, cancellation or suspension.^[1] Cancelling in early October usually leaves you subscribed until the end of the month you paid for, but it also puts a cancellation on the account, and the terms name a cancellation as a reason to withhold the points. Do not press cancel until 19 October has passed.

The linking deadline is the same date. The terms only require your EuroBonus account to be connected before the points are awarded, not before you subscribe, so anyone who has already signed up without linking has not lost anything.

Premium or Max?

Take Max. Premium is the sharper rate per krone, 54 points against 43 in Norway, but the gap is small in money. Two months of Premium is about 279 kr and two months of Max about 699 kr, so the extra 420 kr buys another 15,000 points. That is roughly 36 points per krone on the money you add, about three times what converting cashback gives you, and unlimited lounge access comes with it. Premium is the pick only if the smaller bill is what you care about.

What the two months actually give you

You get more than points for the 699 kr. The parts of Max you can realistically use inside two months:

• Unlimited access to more than 1,900 airport lounges. Every tier below Max pays per visit, so this is the perk with the clearest cash value if you have a trip booked.
• 1.5 % cashback on Klarna purchases, payable as cash or converted to travel points.
• More than twenty included subscriptions, and the list differs by country. Norway and Sweden get Voi with 60 free minutes a month, foodora Pro and Storytel with 20 hours of listening. Sweden also gets Viaplay, Omni and SvD. Denmark gets Voi, Storytel and Laundryheap. Every market gets Headspace, NordVPN, ClassPass, Clue, Picsart and a handful of papers and magazines, The New York Times and Wired among them. Pausing your own for two months takes real money off the cost.
• Travel and purchase cover: medical cover up to 5 million euro, lost baggage up to 3,000 euro, car hire excess up to 10,000 euro, and damage or theft cover up to 1,500 euro on what you buy.
• Cancel for any reason, meaning 70 % back on trips and events called off at least 24 hours ahead, up to 2,500 euro per claim.

Premium has a smaller version of the same list. Klarna's own comparison table sets out every benefit tier by tier.^[2]

Each of those subscriptions has to be activated separately in the Klarna app, using the same email address as your Klarna account. Some are free trials that renew into a paid subscription unless you stop them yourself. Activate six services in September, cancel only Klarna in October, and you are still paying for the six.

Should you cancel after the two months?

For most people, yes. The points are yours once they land on 19 October, and a third month buys no more of them. Keep Max only if the lounges, the subscriptions and the cashback are worth 499 kr a month to you on their own.

Do the sum on what you actually use. A third month at 499 kr earns its keep on a couple of lounge visits, or if you were already paying for two or three of the subscriptions Max carries. If neither is true, month three is a charge with nothing behind it.

If you are keeping it for the points alone, hold it up against a travel card. A SAS EuroBonus Mastercard Premium gives 15 points per 100 kr on purchases in Norwegian kroner, 20 in local currency abroad and 25 on flight tickets from SAS, for 3,348 kr a year.^[7] Max pays about 18 points per 100 kr through cashback and costs 5,988 kr a year, so the card collects points more cheaply. Max only wins when you use the rest of what comes with it.

The fine print worth reading

• Points are credited on 19 October, but Klarna disclaims responsibility for delays at the SAS end, so do not treat that date as a guarantee.
• Klarna may modify or withdraw the promotion on reasonable notice.
• Cancelling and resubscribing inside the campaign window does not earn the bonus a second time.
• The metal card is optional and has to be requested in the Klarna app. You do not need it: the card is virtual too, and works in Apple Wallet or Google Wallet from day one.^[6] Order the metal card and cancel Premium or Max within six months, and there is a fee to deactivate it.^[2]

How Penge helps

Penge connects to your bank and finds the recurring charges in your transactions, so the Klarna charge turns up in a list of what you pay every month instead of sitting in a statement. You see the second charge coming, and you can see when to cancel before a third one arrives. More on that in how to get control of your subscriptions, and on points in how to earn EuroBonus points faster.

Want to check whether your bank is supported? See which banks are supported