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 the rental car deductible. The travel insurance applies to both business and personal trips, if you have an active Gold Card. Rental car deductible 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.
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.
LHV cards enable you to make contactless payments, providing a fast and convenient option for small purchases.
Apple Pay is a simple, secure and private method for making purchases in stores, apps and online.Read more
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.
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. 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 indemnity||Sum insured or indemnity limit||Excess|
|Medical insurance||300 000 €||–|
|incl. dental treatment||300 €||–|
|incl. medical equipment||200 €||–|
|Additional accommodation costs in case of an insured event of medical insurance||Up to 10 days||–|
|Additional accommodation and transport expenses of a family member or travel companion for staying with/travelling to the insured||Up to 5 days||–|
|Baggage cover||1 000 €||–|
|incl. indemnity limit of a camera, laptop or tablet||50% of the sum insured of luggage insurance||–|
|Luggage delay||400 €||up to 4 hours|
|Costs for replacement documents||200 €||–|
|Trip cancellation||2 000 €||–|
|incl. event tickets due to cancellation of trip||150 €||–|
|Travel disruption related to departing means of transport||1 000 €||–|
|Travel disruption related to flight||1 000 €||–|
|Change of flight tickets||150 €||–|
|Trip interruption||2 000 €||–|
|Delay of public transport – indispensable items||200 € + 200 €||4 hours + 24 hours|
|Death or permanent disability due to an accident, persons over 16 years of age||50 000 €||-|
|Death or permanent disability due to an accident, persons up to 16 years of age||2 000 €||–|
|Liability cover||100 000 €||–|
|Legal costs||10 000 €||–|
|Excess of rental car||10 000 €||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.
In the case of purchase insurance the maximum insured amount is specified for each insured object, insured event and calendar year.
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)
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
Free (the applicant must conclude an LHV AU-Client agreement)
The final interest depends of the client’s credit capacity. Interest free period of 40 days for payments, none for cash1
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.
|Issuing, renewal, closing|
Free of charge
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|
To apply for a card, you must be an Au-Client
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.