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

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.

Secure card payments online

To ensure security and raise the feeling of confidence when making payments on the Internet, LHV has added a new security feature to its bank cards. After entering card data and the confirmation code, you must log in to the LHV Internet Bank as an additional form of identification, or use the security code sent to your mobile phone via SMS.

Read more
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
Card mailed to your home

We will mail the card conveniently to your home, free of charge.

Price list and terms and conditions

Monthly fee

1 € (the monthly fee is valid for card holders between the ages of 26 and 65)


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

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

Credit limit

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.

Payment Date


Issuing, renewal, closing

Free of charge


5 €

Cash withdrawals

2 € + 2.5% of the sum

Payment from the credit account to the current account

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 €

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 2 € is added.

The annual percentage rate of the private credit card is 19.15% per annum on the following example conditions: credit limit 1000 €, interest rate 18% (fixed), monthly fee of the card 1 €, interest-free period 22 days, repayment sum of 1093.42 €, assuming that the limit is used immediately, in its full amount and returned in the course of one year in equal monthly instalments.

Documents and additional information

Private Debit Card