LHV Premium Credit Card – flexibility, security and discounts all on one card

The LHV Premium card is only valid for LHV Premium customers. Read more about Premium.

Become an LHV Premium client and enjoy the best conditions and extraordinary conveniences

Price list and terms and conditions

Monthly fee	To start using the card, set up a Premium-client agreement. The monthly fee is 20 euros
Interest rate	As low as 14% The final rate depends on the client’s credit rating. An interest-free period of up to 40 days on purchases and ATM cash withdrawals
Credit limit	Starting from 1000 euros to up to 2 months’ net income
Repayment of used limit	A monthly fixed payment of 0-100% of the credit limit can be selected. Or make payments at a time and in an amount of your choosing. You can change this setting yourself in the internet bank.
Payment date	10^th day of the month
Renewal, closing	Free
Card replacement	5 euros Switching to a virtual card is free
Conversion fee for transactions conducted in a foreign currency	Not charged Mastercard transaction forex rate calculator
Cash withdrawal	from accounts held with LHV and other banks in Estonia, UK and EEA countries €2 + 2.5% of amounts over €1000 a month Elsewhere in the world: service fee of 2 € + 2.5% of the amount
Transfer from credit account to current account	2 euros + 2.5% of the amount⁽¹⁾
Querying information from an ATM	Free on LHV ATMs €0.20 in ATMs of other banks in Estonia
Requirements for applicants	Individuals over the age of 18 who are Estonian citizens or hold a residence permit that is valid at least as long as the expiration date on the card. Must be LHV Premium client to use card If your salary has not been paid to your LHV Pank account in the last six months, you will need to present an account statement from the bank where you received your salary.

⁽¹⁾ If a teller performs the transfer from the credit account to your current account, a fee of 2 euros will be charged. The service fee is not charged for amounts exceeding the credit limit – for example, if your limit is 500 euros, but you have 600 euros on your credit account, fees will not be charged for transfer of the 100 euros.

Always think through your credit decisions. Read about the terms and conditions of the Premium agreement and ask our experts for advice.

The APR on the Premium Credit Card is 15.34% on the following sample conditions: limit €1000, interest rate 14% (fixed), interest-free period 36 days, total amount and repayment amount €1081.42 and on condition that the limit is used without delay, in full, and repaid during the year in equal monthly instalments.

Travel and purchase protection is offered by LHV Kindlustus. The policyholder is LHV Pank AS. Read about the terms and conditions of insurance and ask our experts for advice.

We recommend ordering a Premium card well before any travel as the card takes a week to be mailed and coverage begins when the plastic card is activated.

If you ordered a card in virtual form, note that the coverage on the virtual card will begin 72 hours after activation.

Travel insurance coverage is valid for trips up to 90 days worldwide. Family members travelling with you are also covered.

Medical expenses, baggage losses, cancellation and curtailment, unexpected change of travel plans and rental car deductibles are all covered.

The travel insurance is offered by AS LHV Kindlustus. Be sure to read through the terms and conditions of insurance included with the Premium card, since coverage exclusions are also set out there.

The table shows sums insured, limits of indemnity and deductible. These are the maximum amounts that LHV will compensate in the case of insured events per insured person on a single trip. If the actual losses are lower, that amount is used as the basis. Deductible is charged per insured event.

If you're planning to engage in higher-risk activities or sports while traveling, or wish to increase any of your insurance coverage limits, we recommend contacting LHV Insurance—this way, we can tailor the coverage to suit your specific needs.

Insurance cover	Sum insured / limit of insurance	Deductible
Travel interruption insurance
Travel interruption sum insured	2,000 euros	50 euros
of which the limit of indemnity for event tickets if the trip is cancelled	150 euros
of which purchases of essential items if a public transport connection is delayed	200 euros / 300 euros	4 hours / 24 hours
Medical insurance
Sum insured for medical care	750,000 euros
of which the limit of indemnity for dental care	500 euros
of which the limit of indemnity for medical assistive devices	200 euros
Baggage insurance
Sum insured for baggage insurance	1,000 euros	50 euros
of which the limit of indemnity for smart devices and video equipment	1,000 euros	200 euros
of which the limit of indemnity for delayed baggage	500 euros	up to 4 hours
of which the limit of indemnity for replacement documents	200 euros
Accident insurance
Permanent disability	up to 50,000 euros
Death (person older than 16 years of age)	50,000 euros
Death (person 16 and under)	2,000 euros
Liability insurance
Sum insured for liability insurance	100,000 euros
of which the limit of indemnity for losses incurred to sports gear, premises, apartment or building in possession or use of the insured	2,000 euros
Legal assistance costs
Sum insured for legal assistance	10,000 euros
Limit of indemnity for posting bond	5,000 euros
Rental car insurance
Sum insured for rental car insurance, rental car deductible insurance (LDW) included	20,000 euros

Insurance coverage
Validity 180 days
Deductible 30 euros

Sums insured
The sum insured is the purchase price of the insured object, in the extent to which LHV indemnifies the damage caused due to an insured event.
Minimum purchase price 100 euros
Maximum purchase price 5,000 euros

Limit of indemnity
5,000 euros for each insured event
Up to 10,000 euros per year

Notify us of the loss event as soon as possible and follow the instructions given to you by the LHV claims assistance specialist.

Submit the travel insurance or purchase protection claim notice.

Claims handling and traveller’s assistance
Tel +372 680 1122 (24/7)
kahjud@lhv.ee

Customer support
Tel +372 699 9111 (Mon-Fri 9-17)
kindlustus@lhv.ee

Documents

FAQ

See more questions

Comparison of LHV credit cards

	Private Credit Card	Gold Credit Card	Premium Credit Card
No service fee charged on cash withdrawals from LHV ATMs		up to 500 € a month free of charge	up to 1000 € a month free of charge
No service fee charged on cash withdrawals from any ATM in Estonia or the rest of Europe		up to 500 € a month free of charge	up to 1000 € a month free of charge
Cash deposits at LHV ATMs
Conversion fee for transactions executed in a currency other than the euro	1%	1%	no charge added
Credit limit from	300 €	1000 €	1000 €
Interest rate starting at	from 18%	from 16%	from 14%
Interest-free period	until the 10th of the next month	until the 10th of the next month	until the 10th of the next month
Option of ordering bank card as virtual card
Purchase insurance
Partner offers

Travel
Travel insurance for the whole family
including rental car comprehensive insurance
including rental car deductible insurance
Insured person		family members travelling together	family members travelling together
Sums insured
Medical care		750 000 € per family member	750 000 € per family member
Accident insurance		50 000 € per family member	50 000 € per family member
Luggage insurance		1200 € whole family	1000 € per family member
Change in travel plan		2500 € whole family	2000 € per family member
including a change in travel plan in the event of a strike or natural disaster
Liability insurance		100 000 € whole family	100 000 € per family member
Legal assistance		10 000 € whole family	10 000 € per family member
Rental car deductible insurance		up to 2000 €
Rental car comprehensive insurance			up to 20 000 €
Insurance coverage valid		worldwide for trips up to 90 days	worldwide for trips up to 90 days
Insurance coverage activates		upon activation of bank card	upon activation of bank card
Access to Priority Lounges at airports			discounted
Fast Track			free
Access to the LHV Lounge at Tallinn Airport		discounted	discounted

Private Credit Card

Gold Credit Card

Premium Credit Card

No service fee charged on cash withdrawals from LHV ATMs

No service fee charged on cash withdrawals from any ATM in Estonia or the rest of Europe

Cash deposits at LHV ATMs

Conversion fee for transactions executed in a currency other than the euro

Credit limit from

Interest rate starting at

Interest-free period

Option of ordering bank card as virtual card

Purchase insurance

Partner offers

Travel

Travel insurance for the whole family

including rental car comprehensive insurance

including rental car deductible insurance

Insured person

Sums insured

Medical care

Accident insurance

Luggage insurance

Change in travel plan

including a change in travel plan in the event of a strike or natural disaster

Liability insurance

Legal assistance

Rental car deductible insurance

Rental car comprehensive insurance

Insurance coverage valid

Insurance coverage activates

Access to Priority Lounges at airports

Fast Track

Access to the LHV Lounge at Tallinn Airport

300 €

from 18%

until the 10th of the next month

up to 500 € a month free of charge

1000 €

from 16%

until the 10th of the next month

family members travelling together

750 000 € per family member

50 000 € per family member

1200 € whole family

2500 € whole family

100 000 € whole family

10 000 € whole family

up to 2000 €

worldwide for trips up to 90 days

upon activation of bank card

discounted

up to 1000 € a month free of charge

no charge added

1000 €

from 14%

until the 10th of the next month

family members travelling together

750 000 € per family member

50 000 € per family member

1000 € per family member

2000 € per family member

100 000 € per family member

10 000 € per family member

up to 20 000 €

worldwide for trips up to 90 days

upon activation of bank card

discounted

free

discounted

Special offer in Bolt and Bolt Food app

Offers are updated regularly. You’ll always find them here and in the Bolt and Bolt Food apps.

Park and wash your car at a 15% discount with an LHV card

As the holder of an LHV bank card, you get a 15% discount on parking and car wash services in the Snabb app.*

Snabb’s benefits for private clients:

a good overview of all Snabb car parks, car washes, and charging stations across Estonia;
start and end parking through the app with one push of a button;
the possibility to pay for all parking at once with one monthly invoice;
access to car parks with barriers and gates;
the possibility to navigate directly to the car park using Waze or Maps;
a payment intermediation fee of EUR 0.20 (EUR 0.50 for M-makse, pargi.ee and SMS);
helpful customer support 24/7.

How to use the offer?

Add your LHV bank card as a means of payment in the Snabb app and enter ‘LHV15’ in the bonus code field. In case the promotional code does not work, try to add the LHV card as a means of payment again.

The discount is valid until 31 December 2025.

*The discount applies at selected Snabb parking lots and car washes across Estonia. You can find detailed information about the discount in the Snabb app when viewing a specific car wash or parking location. Please note that the discount does not apply to the purchase of monthly Snabb services.