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Gold Debit Card

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

  • Travel insurance
  • Estravel Gold Card free of charge
  • 1% interest on the account balance up to 100,000 euros
Order a Gold Debit Card

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. 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 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.

Account number

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

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

What does the travel insurance cover?

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
How should I proceed in case of an insured event?
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 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

AU-Client agreement)
Monthly feeFree (the applicant must conclude an LHV
Issuing, renewal, closingFree of charge
Replacement€5
Cash withdrawals
  • From LHV’s ATMs: free of charge (+ 0.3% of any amount in excess of EUR 10,000 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 depositsFree 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.


Gold Credit Card