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 or internet bank.

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
Google Pay

Google Pay is a faster and more secure way to pay, both offline and online.

Read more

The travel insurance is valid worldwide for private and business trips lasting up to 90 days. In addition to you, family members travelling with you are also insured.

The insurance covers, for example, medical assistance, damage to luggage, trip cancellations and interruptions and missed departures, and rental car insurance excess.

Travel insurance is provided by LHV Kindlustus AS. Be sure to read the Gold Card insurance conditions that list the types of insurance cover and the applicable exclusions.

The sums insured and indemnity limits indicated in the table apply to each insured person and each insured event separately. Example: A family member’s illness delays a family trip for which airline tickets have been purchased. In this case, we will reimburse the costs of exchanging the air tickets up to 150 euros per family member.

Insurance coverSum insured/indemnity limitExcess
Travel disruption insurance
Travel disruption sum insured€ 2,000
including change of flight tickets€ 150
including purchase of essential items in the event of a public transport delay€ 200/€ 3004 hours/24 hours
including the indemnity limit for event tickets if your trip has to be cancelled€ 150
Medical insurance
Medical assistance sum insured€ 500,000
including the indemnity limit for dental care€ 500
including the indemnity limit for a medical device€ 200
Luggage insurance
Luggage insurance sum insured€ 1,000
including the indemnity limit for delayed luggage€ 500up to 4 hours
including the indemnity limit for smart devices and video equipment€ 500
including the indemnity limit for replacement documents€ 200
Accident insurance
In the case of permanent disabilitySum of up to € 50,000
In the case of death (insured person over 16 years of age)€ 50,000
In the case of death (insured person up to 16 years of age)€ 2,000
Liability insurance
Liability insurance sum insured€ 100,000
including in the case of damage to sports equipment, premises, apartment or building in the possession or use of the insured person€ 2,000
Legal costs
Legal costs sum insured€ 10,000
Bail indemnity limit€ 5,000
Rental car insurance excess
Rental car excess sum insured€ 10,000

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 LHV 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 €

Notify us of the loss event as soon as possible and follow the instructions of the LHV loss assistance specialist.
In the case of a loss event, please fill in the travel insurance or purchase insurance damage notice form.

Claims and travel assistance
Tel +372 680 1122 (24/7)
kahjud@lhv.ee

Customer support
Tel +372 699 9111 (Mon–Fri 9 am–5 pm),
kindlustus@lhv.ee

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 €

Conversion fee for transactions in foreign currencies

1% of transaction amount

Currency Conversion calculator for MasterCard transactions

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 AS LHV Kindlustus. 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