etru

Credit card

Credit card with the most flexible repayment

  • Flexible repayment
  • Up to 40 days interest fee
  • Interest from 16%
  • Make contactless payments
  • Pick your colour
Order a white credit card

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.

Contactless payment

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.

Flexible repayment

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.
Change the repayment sum

Price list and terms and conditions

Monthly fee€1 (free of charge for those 26 and under)
Interest

From 16%, depends of the client’s credit capacity.

Interest free period of 40 days for payments, none for cash1

Credit limitFrom €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.

Payment Date10th
Issuing, renewal, closingFree of charge
Replacement€5
Cash withdrawalsEUR 2 + 2.5% of the sum
Payment from the credit account to the current accountEUR 2 + 2.5% of the sum
Information request from an ATMFree of charge at LHV ATMs From the ATMs of other Estonian banks €0.20
Applicant requirements
  • To apply for a credit card, you must be at least 18 years old.
  • Your monthly net income must be at least €350

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1 An interest-free period is not applied for the credit limit withdrawn as cash from the credit account or transferred to the current account.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.


Private Debit Card