Bank cards
| Debit-credit card | Credit card | LHV Partner Credit Card | |
|---|---|---|---|
| Design | Black White Gray Pink Green Blue | Black White Gray Pink Green Blue | Orange |
| Options |
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| Discounts |
With the Football Card, you can always get at least 10% off the tickets to the home matches of Estonian national football team and discount on tickets on the national team’s charter flights. The owner of the Football Card gets free entrance to the home matches of Estonian youth national teams. The Football Card gives you discounts with partners as well. |
You participate in the Partner Card bonus programme with doubled bonus points, plus you get discount in stores belonging to the Kaubamaja Group and with other partners. |
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| Keep in mind |
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Service fees
| Issuing, renewal | Free of charge | First card free of charge, next card €5 | First card free of charge, next card €5 |
|---|---|---|---|
| Safekeeping fee | Free of charge | Free of charge | First year – free of charge; next years – free if you have concluded transactions worth at least €200, otherwise €12 per year |
| Cash withdrawal in Estonia or EEA Member States1 | €1 | €2 + 2.5% of amount | €2 + 2.5% of amount |
| Cash withdrawals elsewhere abroad | €2 + 2.5% of amount | 2 EUR + 2.5% of amount | €2 + 2.5% of amount |
| Balance query from an ATM | €0.2 | €0.2 | €0.2 |
| Replacement fee | €5 | €5 | €5 |
| Football card endowment fund | 0.25% of amount of transaction | 0.25% of amount of transaction | — |
Credit
| Credit limit | — | From €500 up to 2 month’s net income |
From €250 up to 2 month’s net income |
|---|---|---|---|
| Repayment | — | Client decides whether to make fixed monthly repayments or repayments at a time and in an amount of their choosing | Client decides whether to make fixed monthly repayments or repayments at a time and in an amount of their choosing |
| Interest-free period on payments2 | — | Up to 40 days | Up to 40 days |
| Interest-free period on cash2 | — | — | — |
| Interest payment date | — | 10th of the month | 10th of the month |
| Interest rate | — | 16% 3 | 18% |
| Standard APR | — | 14.73% per year4 | 15% per year5 |
Requirements when applying
| Age | Min. 7 years | Min. 18 years | 18-70 years, additional card from 15 years |
|---|---|---|---|
| Minimum monthly income (net) | — | 650 € | 300 € |
| Credit history | — | Jah | Jah |
| Bank statement covering previous 6 months | — | Jah | Jah |
| Citizenship or living permit | — | Estonian citizienship or living permit valid for at least 3 years and 4 months | Estonian citizienship or living permit valid for at least 3 years and 4 months |
| Terms and conditions of contract | Terms and conditions of debit-credit card (PDF) | Terms and conditions of credit card (PDF) Important pre-contractual information (PDF) |
Terms and conditions of LHV Partner Credit Card (PDF) Important pre-contractual information (PDF) |
| Order | Apply | Apply |
1 The EEA comprises the 27 Member States of the EU and 3 Member States of the EFTA (Iceland, Liechtenstein and Norway).
2 Every purchase you make is subject to an interest-free period up to the following month’s payment date. If you don’t set yourself a fixed monthly repayment and repayment date, the interest-free period lasts from the date of your purchase to the 10th of the following month.
3 The final interest rate depends on your creditworthiness.
4 On the following (example) conditions: credit limit of €1200, interest rate of 16%, monthly fee of €0 and repayment term of 1 year. The Annual Percentage Rate is calculated on the assumption that you will use your credit limit in full at the earliest opportunity and repay it in equal instalments over 12 months.
5 The percentage rate on the credit card is 15% per annum under the following sample conditions: credit limit €500, interest rate 18%, monthly fee €0, interest-free period 40 days. The annual percentage rate on the credit card is calculated on the assumption that you will use your credit limit in full at the earliest opportunity and repay it in equal instalments over one year.