Gold Debit Card

LHV’s Au-Clients use the LHV Gold Card for everyday settlements

  • 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 Debit 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. Please bare in mind that most car rental companies may only accept credit card payments. Travel insurance is provided by the If Kindlustus.

Purchase insurance

The purchase insurance included with the Gold Debit 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 info


Functions also abroad and online

You can use LHV cards to pay in Estonia, abroad, as well as online.

Contactless payment

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.

ATMs

Cash withdrawal from LHV’s ATM is free of charge. Cash withdrawal from the ATMs of other banks, in Estonia as well as Europe, is only 1 €. ATM locations

Account number

The number of the account tied to the card is located on the rear of the card

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
Invest with every card payment

Microinvestment enables you to grow your investment portfolio without even noticing, investing up to 1 euro to your Growth Account with each debit card payment.

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.

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)

Issuing, renewal, closing

Free of charge

Replacement

5 €

Cash withdrawals
  • From LHV’s ATMs: free of charge (+ 0.3% of any amount in excess of 3000 € per month)
  • ATMs of other banks: from the current account in Estonia and a contracting party to the EEA Agreement € 11 and, elsewhere abroad 2 € + 2.5% of the amount
Cash deposits

Free of charge at LHV ATMs

Information request from an ATM

Free of charge from LHV ATMs, from the ATMs of other Estonian banks 0.20 €

Applicant requirements

To apply for a card, you must be an Au-Client of LHV

1 The EEA includes 28 EU Member States and 3 EFTA States: Iceland, Norway and Liechtenstein.
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 Credit Card