Credit card with the most flexible repayment
- Flexible repayment
- Up to 40 days interest fee
- Interest from 16%
- Make contactless payments
- Pick your colour
Features of a credit card
40 days interest-free
An interest-free period of up to 40 days The interest-free period does not apply to cash transactions.
LHV cards enable you to make contactless payments, providing a fast and convenient option for small purchases.
Card mailed to your home
We will mail the card conveniently to your home, free of charge.
When applying for a credit card, you decide in which sum and when you will repay the credit used. You can change it later in the Internet Bank.
- Select 0% repayments, make the repayments at the time and in the sum you prefer.
- Select 10–90% for the repayments, and pay the credit back in predetermined instalments.
- Select 100% for the repayment and the whole sum will be credited from your current account the next month.
Price list and terms and conditions
€1 (free of charge for those 26 and under)
From 16%, depends of the client’s credit capacity.
Interest free period of 40 days for payments, none for cash1
From €300 and up to 2 months’ net income
|Repayment of credit used|
It is possible to choose between an automatic monthly repayment of 0–100% of the credit limit or to pay at the time and in the amount that suits you. The selected option can be changed in the Internet Bank.
|Issuing, renewal, closing|
Free of charge
EUR 2 + 2.5% of the sum
|Payment from the credit account to the current account|
EUR 2 + 2.5% of the sum
|Information request from an ATM|
Free of charge at LHV ATMs From the ATMs of other Estonian banks €0.20
If your pay has not been transferred to LHV Pank for the past six months, please submit an account statement from the bank where your pay has been transferred to date.
1 An interest-free period is not applied for the credit limit withdrawn as cash from the credit account or transferred to the current account. If the transaction from the credit account to the current account is concluded in-office, a transaction fee of EUR 2 is added.
The annual percentage rate of the private client’s credit card is 23.64% per annum on the following example conditions: credit limit €300, interest rate 18% (fixed), monthly fee of the card €1, interest-free period 32 days, repayment sum of €336, assuming that the limit is used immediately, in its full amount and returned in the course of one year in equal monthly instalments.