Gold Credit Card

An au-client of LHV uses the Gold Card as their credit card

  • Broad-cover travel insurance
  • Purchase insurance
  • Free Estravel Gold Card in mTasku
  • Annual interest rate of 1% on the current account is accounted on sums up to 100,000 €

Gold Credit Card Features

Broad-cover travel insurance

The travel insurance is valid anywhere in the world for trips lasting up to 90 days. The sums insured apply for each insured person and insured event separately. The insurance covers, for example, medical assistance, damage to baggage, cancellation or interruption of the trip and missed departures, as well as the rental car deductible. Please bare in mind that most car rental companies may only accept credit card payments. The travel insurance applies to both business and personal trips, if you have an active Gold Card. Travel insurance is provided by the If Kindlustus. What does the travel insurance cover?

Purchase insurance

The purchase insurance included with the Gold Credit Card covers durable goods for which you have paid using your Gold Card, for a period of 180 days after the purchase. Insurance helps if the object should break, even if the fault is your own. In the case of purchase insurance the maximum insured amount is specified for each insured object, insured event and calendar year. The deductible for each insured event is 30 €.

Estravel Gold Card in mTasku

To always ensure convenient travel and the best possible service, the LHV Gold Card may be supplemented with free mTasku Estravel Gold Card. Estravel Gold Card holders receive priority service at Estravel, along with price discounts when purchasing travel services, numerous permanent discounts and special offers from Estravel’s partners. An au-client receives the information on ordering Estravel Gold Card along with the LHV Gold Card. Estravel Gold Card information


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

With LHV cards you can make convenient and fast contactless payments. You can also pay with an Apple Watch, Garmin or Fitbit smartwatch.

Apple Pay

Apple Pay is a simple, secure and private method for making purchases in stores, apps and online.

Read more
Flexible repayment

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.

Change the repayment sum
PIN code

View card’s PIN code in the LHV mobile app.

Read more
Card mailed to your home

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

Terms and conditions for becoming an au-client

The prerequisite of becoming an au-client is that you receive 2000 € to LHV Pank every month or the volume of your assets at LHV Pank exceeds 50,000 €. au-client’s monthly fee is 10 €.

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

The travel insurance is valid anywhere in the world for trips lasting up to 90 days. The sums insured apply for each insured person and insured event separately. The insurance covers, for example, medical assistance, damage to baggage, cancellation or interruption of the trip and missed departures, as well as the rental car deductible.

Travel insurance applies to both personal and business trips in the presence of an active Gold Card. Travel insurance is provided by If Kindlustus. Kindly read the Gold Card insurance conditions, which provide an overview of both the insurance cover and exclusions.

More about the insurance cover

Type of indemnitySum insured or indemnity limit per insured personExcess
Medical insurance500 000 €
incl. dental treatment500 €
incl. medical equipment200 €
Luggage insurance1000 euros-
including indemnity limit for camera, laptop or tablet50% of the sum insured by luggage insurance-
Luggage delay500 eurosup to 4 hours
Expenses on replacement documents200 euros-
Trip cancellation2000 euros-
including event tickets due to cancellation of trip150 euros-
Travel disruption related to means of transport2000 euros-
Change of flight tickets150 euros-
Trip curtailment2000 euros-
Delay of public transport – indispensable items200 + 300 euros4 hours + 24 hours
Death or permanent disability due to an accident, persons over 16 years of age50,000 euros-
Death or permanent disability due to an accident, persons up to 16 years of age2000 euros-
Liability cover100 000 euros-
including damage caused to sports equipment, premises, apartment or building in the possession or use of the Insured2000 euros-
Legal costs10 000 euros-
including bail bond5000 euros-
Telephone calls from abroad200 euros-
Rental car excess insurance10 000 euros-

The purchase insurance included with the Gold Card covers durable goods for which you have paid using your Gold Card, for a period of 180 days after the purchase. The insurance cover helps in different instances, if the object is broken, has been destroyed or stolen. Read more about the Terms and Conditions of Insurance. Purchase Insurance is offered by If Kindlustus.

Sums insured
In the case of purchase insurance the maximum insured amount is specified for each insured object, insured event and calendar year.

Cover
Minimum purchase value 100 €
Maximum purchase value and indemnity for a single claim 5000 €
Maximum compensation per year for a single card holder 10,000 €.
Validity 180 days
Deductible 30 €

Customer service and loss adjustment

If P&C Insurance ASTel: +372 777 1211 (24/7)
info@if.ee

In the case of a loss event, please fill in the If Insurance Travel Loss or Property Damage form. Make sure to write „LHV“ in the form’s insurance policy field.

If a Gold Card is lost or stolen during a trip, block it immediately. The travel insurance will be still valid during the trip if it was active at the beginning of the trip.

Price list and terms and conditions

Monthly fee

Free (the applicant must conclude an LHV au-client agreement)

Interest

From 16%

The final interest depends of the client’s credit capacity. Interest free period of 40 days for payments, none for cash1

Credit limit

From 1000 €

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

10th

Issuing, renewal, closing

Free of charge

Replacement

5 €

Cash withdrawals

2 € + 2.5% of the sum

Payment from the credit account to the current account

2 € + 2.5% of the sum 2

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 card, you must be an au-client
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.

2 If the transaction from the credit account to the current account is concluded in the Client Office, a transaction fee of 2 € is added. No service fee will be applied to funds exceeding the credit limit – for example, if your limit is 500 €, but there is 600 € on your credit account, then fees will not be assessed for transferring 100 €.

Always consider your credit decisions carefully. Familiarize yourself with terms and conditions of au-client and consult our specialist. The annual percentage rate of charge of the Gold Credit Card is 15.34% on the following sample conditions: limit 1000 €, annual interest 18% (fixed), interest-free period of 36 days, repayment sum is 1081.42 €, assuming that the limit is used immediately, in its full amount and returned in the course of one year in equal monthly instalments.

Travel and Purchase Insurance is offered by If P&C Insurance AS. The policyholder is LHV Pank AS. Review the terms and conditions of insurance, along with the limitations and exemptions, and ask for advice from our specialist.


Gold Debit Card