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Klarna is launching a membership program in the US, modeled after high-end credit cards, offering more than a dozen subscriptions, cash back, and other perks. The Premium and Max programs will cost $18/month and $45/month, respectively, and will be extended to the US later this year. The move is seen as a play for the premium credit card segment, which is becoming increasingly competitive with banks offering more generous benefits and higher fees.

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