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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 euros

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 the AIG insurance company.

Purchase insurance

The purchase insurance included with the Gold Credit Card covers all 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 EUR 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 the AIG insurance company.

More about the insurance cover

Type of indemnitySum insuredExcess
Medical treatment expenses, accident during the trip€80,000 or up to 1 year
Medical treatment expenses, illness during the trip€80,000 or up to 45 days
Additional expenses related to the trip and accommodation in case of a trip extended by an accident or illnessup to 10 days interest fee
Medical equipment€200
Dental treatment expenses€200
24h emergency service during the tripCovered in the insurance
Medical transport to the nearest treatment facility€50,000
Transport back home in case of an illness or accident during the trip€50,000
Transport back home for a child travelling with the insured person€50,000
Transport back home for a deceased person€20,000
Travel, living and accommodation costs of a family member in relation to visiting the insured person at the hospitalup to 2 persons, 5 days
Death by accident, persons over 16 years of age€50,000
Death by accident, persons under 16 years of age€2000
Permanent disability due to an accident, persons over 16 years of age€50,000
Permanent disability due to an accident, persons under 16 years of age€2000
Cancellation of the trip€2000
Tickets purchased to concerts or sporting events that were not used due to the cancellation of the trip€150€50
Missed departures€1,000
Missed connecting flights€1,000
Exchange of plant tickets due to cancellation of the trip or missed departures or connecting flights€150
Interruption of the trip€2000
Phone calls made during an emergency€200
Purchase of basic personal items due to a flight being delayedup to €200 + €2004 hours + 24 hours
Loss of baggage€1,000
Recovery of documents€200
Purchase of basic personal items due to arrival of baggage being delayedUp to €4004 hours
Legal assistance€10,000
Third Party Liability insurance, for proprietary insurance€100,000
Third Party Liability insurance, for damages to health€100,000
Excess when renting a vehicle€10,000€100

The purchase insurance included with the Gold Card covers all 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.

Sums insured
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 EUR 30.

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

Customer service and loss adjustment in Estonia
AIG Europe Limited
Nimekast 7024
14002 Tallinn, Estonia
Mon–Fri 9–20, Sat 10–16
tel +372 686 7800, Fax +372 673 7242
e-mail aig@transcom-estonia.ee

Emergency service abroad
SOS International AS
24/7
tel +45 7010 5054, Fax +45 7010 5056
e-mail sos@sos.dk

The insurance policy is available in the Internet Bank under the details of the Gold Card. Please fill in the purchase or travel insurance claims form in case there is a need for it.

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

EUR 2 + 2.5% of the sum

Payment from the credit account to the current account

EUR 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 EUR 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.


Gold Debit Card