LHV Premium Debit Card – insurance, convenience and special offers all on one card
The LHV Premium card is only valid for LHV Premium customers. Read more about Premium.
Travel insurance with broad coverage
Travel insurance with rental car comprehensive insurance for your whole family
Priority Pass
Access to VIP lounges at over 1700 airports worldwide
Fast Track
A service that gives you the opportunity to skip the airport security check line
Tallinn Airport LHV Lounge
Lounge visit at a discounted price of 30 euros for you and four of your companions
Purchase protection
Purchase insurance protects durable goods for 180 days after purchase
Cash withdrawal
Cash withdrawals from LHV ATMs are free
Become an LHV Premium client and enjoy the best conditions and extraordinary conveniences
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.
Price list and terms and conditions
| Monthly fee | To start using the card, set up a Premium customer agreement. The monthly fee is 20 euros |
| Renewal, closing | Free |
| Card replacement | €5 |
| Cash withdrawals with a Premium Debit Card |
|
| Cash deposit with the Premium Debit Card | Up to €5000 a month can be withdrawn from LHV ATMs free (+ 0.3% of amounts over €5000 a month)(2) |
| Conversion fee for transactions conducted in a foreign currency | 1% of the transaction amount |
| Querying information from an ATM | Free from LHV ATMs, €0.20 from other banks’ ATMs in Estonia |
| Requirements for applicants | Must be LHV Premium client to use card |
(1) The European Economic Area is 27 EU members and 3 EFTA countries: Iceland, Norway and Liechtenstein.
(2) The service fee is individual to each client, i.e. not dependent on the number of accounts and cards (including additional cards).
Travel and purchase protection insurance 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
FAQ
- How can I become a holder of an LHV bank card?
- How quickly can I get my card?
- How do I change my bank card usage limits?
- What options do Apple Pay and Google Pay payment methods offer?
- Which LHV bank cards can be ordered as virtual card?
- I do not know my card's PIN code. How can I retrieve it?
- Can a representative of LHV Pank ask for my PIN codes or card details via email or phone call?
- I have lost my card. What do I do now?
- What kinds of travel insurance does LHV offer?
- When will the travel insurance on my bank card come into effect?
Comparison of LHV debit cards
 Private Debit Card |  Gold Debit Card |  Premium Debit Card | ||||
| No service fee charged on cash withdrawals from LHV ATMs | up to 2000 € a month free of charge | up to 2000 € a month free of charge | up to 2000 € a month free of charge | |||
| No service fee charged on cash withdrawals from any ATM in Estonia or the rest of Europe |  | | | |||
| Cash deposits at LHV ATMs | up to 5000 € a month free of charge | up to 5000 € a month free of charge | up to 5000 € a month free of charge | |||
| Conversion fee for transactions executed in a currency other than the euro | 1% | 1% | 1% | |||
| 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 |
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
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
up to 2000 € a month free of charge
up to 5000 € a month free of charge
1%
up to 2000 € a month free of charge
up to 5000 € a month free of charge
1%
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 2000 € a month free of charge
up to 5000 € a month free of charge
1%
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.
