Gold Credit Card

An Au-Client of LHV uses the Gold Card as their credit card

  • Broad-cover travel insurance
  • Purchase insurance
  • Estravel Gold Card free of charge
  • 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 liability insurance for your rental car. The travel insurance applies to both business and personal trips, if you have an active Gold Card. Liability insurance cover for rental cars will be valid if 100% of the payment for the rental car has been made using the Gold Card. Travel insurance is provided by If Kindlustus.

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

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

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

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
Card mailed to your home

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

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 liability insurance for your rental car.

Travel insurance applies to both personal and business trips in the presence of an active Gold Card. Liability insurance cover for rental cars will be valid if 100% of the payment for the rental car has been made using the Gold Card. Travel insurance is provided by If Kindlustus.

More about the insurance cover

Type of indemnitySum insured or indemnity limitExcess
Medical insurance300 000 €
incl. dental treatment300 €
incl. medical equipment200 €
Additional accommodation costs in case of an insured event of medical insuranceUp to 10 days
Additional accommodation and transport expenses of a family member or travel companion for staying with/travelling to the insuredUp to 5 days
Baggage cover1 000 €
incl. indemnity limit of a camera, laptop or tablet50% of the sum insured of luggage insurance
Luggage delay400 €up to 4 hours
Costs for replacement documents200 €
Trip cancellation2 000 €
incl. event tickets due to cancellation of trip150 €
Travel disruption related to departing means of transport1 000 €
Travel disruption related to flight1 000 €
Change of flight tickets150 €
Trip interruption2 000 €
Delay of public transport – indispensable items200 € + 200 €4 hours + 24 hours
Death or permanent disability due to an accident, persons over 16 years of age50 000 €-
Death or permanent disability due to an accident, persons up to 16 years of age2 000 €
Liability cover100 000 €
Legal costs10 000 €
Excess of rental car10 000 €100 €

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.

Starting from 1 January, 2019, the travel and purchase insurance is offered by If Kindlustus. If your loss event occurred in 2018, please fill in the AIG travel insurance or purchase insurance claim form. Send the claim notice at aig@transcom-estonia.ee and, if needed, ask for advice on the AIG insurance line +372 686 7800 (Mon-Fri 9-17).

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

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. If the transaction from the credit account to the current account is concluded in-office, a transaction fee of 2 € is added.

Always consider your credit decisions carefully. Review the terms and conditions at /au-client and consult our specialist. The annual percentage rate of charge of the Gold Card is 15.09% on the following sample conditions: limit 2000 €, annual interest 18% (fixed), interest-free period of 40 days, repayment sum is 2163 €.

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