Credit card
Credit card with the most flexible repayment
- Flexible repayment
- Up to 40 days interest free
- Interest from 16%
- Make contactless payments
- Also available as a virtual card
- From recycled plastic
- Special offers for cardholders
- Pick your colour
Features of a credit card
40 days interest-free
An interest-free period of up to 40 days. The interest-free period does not apply to cash transactions.
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.
Flexible repayment
When applying for a credit card, you decide in which sum and when you will repay the credit used. You can change it later in the internet bank.
- Select 0% repayments, make the repayments at the time and in the sum you prefer.
- Select 10–90% for the repayments, and pay the credit back in predetermined instalments.
- Select 100% for the repayment and the whole sum will be credited from your current account the next month.
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
Card mailed to your home
We will mail the card conveniently to your home.
Apple Pay
Apple Pay is a simple, secure and private method for making purchases in stores, apps and online.
Read more
PIN code
Google Pay
Price list and terms and conditions
| Monthly fee | 1 € (the monthly fee is valid for card holders between the ages of 26 and 65) There is no monthly fee on the virtual card |
| Interest | From 16%, depends of the client’s credit capacity. Interest free period of 40 days for payments, none for cash1 |
| Credit limit | From 300 € and up to 2 months’ net income |
| Repayment of credit used | It is possible to choose between an automatic monthly repayment of 0–100% of the credit limit or to pay at the time and in the amount that suits you. The selected option can be changed in the internet bank. |
| Payment Date | 10th |
| Renewal, closing | Free of charge |
| Replacement | 5 € Replacement to a virtual card is free of charge |
| Conversion fee for transactions in foreign currencies | 1% of transaction amount |
| Cash withdrawals | 2 € + 2.5% of the sum |
| Payment from the credit account to the current account | 2 € + 2.5% of the sum 2 |
| Information request from an ATM | Free of charge at LHV ATMs From the ATMs of other Estonian banks 0.20 € |
| Applicant requirements |
If your pay has not been transferred to LHV Pank for the past six months, please submit an account statement from the bank where your pay has been transferred to date. |
1 An interest-free period is not applied for the credit limit withdrawn as cash from the credit account or transferred to the current account.
2 If the transaction from the credit account to the current account is concluded in the Client Office, a transaction fee of 2 € is added. No service fee will be applied to funds exceeding the credit limit – for example, if your limit is 500 €, but there is 600 € on your credit account, then fees will not be assessed for transferring 100 €.
The annual percentage rate of the private credit card is 19.15% per annum on the following example conditions: credit limit 1,000 €, interest rate 18% (fixed), monthly fee of the card 1 €, interest-free period 22 days, repayment sum of 1,093.42 €, assuming that the limit is used immediately, in its full amount and returned in the course of one year in equal monthly instalments.
Documents and additional information
Frequently Asked Questions
- 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?
- When do I have to pay interest on used credit?
- What is the automatic repayment of the used credit limit?
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 0.33–0.49 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 2024.
*The discount does not apply to monthly Snabb services (e.g., monthly passes) or day tickets (e.g., Lottemaa parking), nor to parking tickets for special events. The discount does not extend to the purchase of monthly Snabb services (e.g., monthly passes), parking on the streets of the City of Tartu (zone A, zone B, zone C), or parking in specific zones such as X102 at Hobujaama 12, X42 at Sepise tn 3, and SB13 at Keevise tn 13a.
