Swedish fintech giantKlarnaand UK payments fintechZilchhave today launched new membership packages, as they look to take on incumbent credit card firms and lock in customers with perks. Klarna is best known as a BNPL provider but has shifted to everyday payments and is repositioning itself as an everyday bank. It says its membership revamp sees it remove fees, offer cashback on all purchases, and add new perks and subscriptions. Klarna Max offers 23 subscriptions, including to NordVPN and The New York Times, and a premium rose gold metal card. Klarna Max membership is now cheaper than AmEx Platinum, which costs around €760 a year, Klarna pointed out.