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 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 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

With LHV cards you can make convenient and fast contactless payments. You can also pay with an Apple Watch, Garmin or Fitbit smartwatch.

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 €.

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

PIN code

View card’s PIN code in the LHV mobile app.

Read more
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.

Card mailed to your home

We will mail the card conveniently to your home, free of charge.

Apple Pay

Apple Pay is a simple, secure and private method for making purchases in stores, apps and online.

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. Travel insurance is provided by If Kindlustus. Kindly read the Gold Card insurance conditions, which provide an overview of both the insurance cover and exclusions.

More about the insurance cover

Type of indemnitySum insured or indemnity limit per insured personExcess
Medical insurance500 000 €
incl. dental treatment500 €
incl. medical equipment200 €
Luggage insurance1000 euros-
including indemnity limit for camera, laptop or tablet50% of the sum insured by luggage insurance-
Luggage delay500 eurosup to 4 hours
Expenses on replacement documents200 euros-
Trip cancellation2000 euros-
including event tickets due to cancellation of trip150 euros-
Travel disruption related to means of transport2000 euros-
Change of flight tickets150 euros-
Trip curtailment2000 euros-
Delay of public transport – indispensable items200 + 300 euros4 hours + 24 hours
Death or permanent disability due to an accident, persons over 16 years of age50,000 euros-
Death or permanent disability due to an accident, persons up to 16 years of age2000 euros-
Liability cover100 000 euros-
including damage caused to sports equipment, premises, apartment or building in the possession or use of the Insured2000 euros-
Legal costs10 000 euros-
including bail bond5000 euros-
Telephone calls from abroad200 euros-
Rental car excess insurance10 000 euros-

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 2000 € per month)
  • ATMs of other banks: from the current account in Estonia and a contracting party to the EEA Agreement € 11 (+ 0.3% of any amount in excess of 2000 € per month) 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