Gold Credit Card
An Au-Client of LHV uses the Gold Card as their credit card
- Broad-cover travel 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.
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.
Card mailed to your home
We will mail the card conveniently to your home, free of charge.
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
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 indemnity||Sum insured||Excess|
|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 illness||up to 10 days interest fee||–|
|Dental treatment expenses||€200||–|
|24h emergency service during the trip||Covered 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 hospital||up 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 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 delayed||up to €200 + €200||4 hours + 24 hours|
|Loss of baggage||€1,000||–|
|Recovery of documents||€200||–|
|Purchase of basic personal items due to arrival of baggage being delayed||Up to €400||4 hours|
|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|
Customer service and loss adjustment in Estonia
AIG Europe Limited
14002 Tallinn, Estonia
Mon–Fri 9–20, Sat 10–16
tel +372 686 7800, Fax +372 673 7242
Emergency service abroad
SOS International AS
tel +45 7010 5054, Fax +45 7010 5056
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
|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
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|
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. 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.