Gold Credit Card

An Au-client of LHV uses the Gold Card as their credit card

  • Broad-cover travel insurance
  • Purchase insurance
  • Free Estravel Gold Card in mTasku
  • Annual interest rate of 1% on the current account is accounted on sums up to 100,000 €

Gold Credit 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 Credit 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 in mTasku

To always ensure convenient travel and the best possible service, the LHV Gold Card may be supplemented with free mTasku Estravel Gold Card. Estravel Gold Card holders receive priority service at Estravel, along with price discounts when purchasing travel services, numerous permanent discounts and special offers from Estravel’s partners. An Au-client receives the information on ordering Estravel Gold Card along with the LHV Gold Card. Estravel Gold Card information


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.

Apple Pay

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

Read more
Flexible repayment

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.

Change the repayment sum
PIN code

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

Read more
Card mailed to your home

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

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 €.

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
Google Pay

Google Pay is a faster and more secure way to pay, both offline and online.

Read more

The travel insurance coverage is valid up for personal and business trips up to 90 days anywhere in the world. Family members travelling with you are also insured.

The insurance covers, for example, medical care, baggage losses, travel cancellation and interruption and delayed departure. Rental car excess insurance is also included.

Covid-19 coverage (valid from 1 November 2021 to 31 March 2022).

  • If you contract Covid-19 while abroad and need medical care as a result, we will provide up to 500,000 euros compensation for medical costs.
  • If your trip is cancelled or interrupted because you or a travel companion contracted Covid-19 or was ordered to self-isolate, we will compensate up to 2,000 euros in costs related to travel curtailment per insured person.

Reminder:
Insurance coverage does not apply to loss events related to insufficient travel documents or other matters related to organization of travel. For example, if you are not allowed to enter a country due to lack of an appropriate coronavirus test or a country’s borders are closed, these expenses will not be covered. Nor are expenses related to Covid-19 testing and other documents necessary for travel covered. Also excluded: expenses incurred due to restrictions established on border crossing in the country of destination or country of transit. Be sure to read the travel advice posted by the Health Board and Ministry of Foreign Affairs while planning travel.

This travel insurance is provided by AS LHV Kindlustus. Be sure to read the Terms and conditions of Gold Card insurance for what is covered and excluded.

The sums insured and limits on indemnity listed in the table apply separately for each insured person and each insured event.

Insurance coverSum insured/limit of insuranceDeductible
Travel interruption insurance
Insured sum for travel interruption insurance€ 2,000€ 30
incl. the compensation limit for event tickets in the case of trip cancellation€ 150
incl. the purchase of essential items in the event of a public transport delay€ 200/€ 3004 hours/24 hours
Medical assistance insurance
Insured sum for medical assistance insurance€ 500,000
incl. the limit for insurance for dental treatment€ 500
incl. the limit for insurance for reimbursement of a medical device€ 200
Baggage cover
Insured sum for luggage insurance€ 1,000
incl. the compensation limit for smart and video equipment€ 500€ 30
incl. the luggage delay compensation limit€ 500up to 4 hours
incl. the reimbursement limit for the replacement of documents€ 200
Accident insurance
In the case of a permanent disabilitySum of up to € 50,000
In the case of death (person over 16 years of age)€ 50,000
In the case of death (person less than 16 years of age)€ 2,000
Liability cover
Sum insured for liability insurance€ 100,000
incl. in the case of damage to sports equipment, premises, apartments or buildings in the possession or use of the Insured Person€ 2,000
Legal costs
Sum insured for legal expenses€ 10,000
Limit of insurance for security€ 5,000
Rental car excess insurance
Insured sum for rental car excess insurance€ 10,000

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 LHV 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 €

Notify us of the loss event as soon as possible and follow the instructions of the LHV loss assistance specialist.
In the case of a loss event, please fill in the travel insurance or purchase insurance damage notice form.

Claims and travel assistance
Tel +372 680 1122 (24/7)
kahjud@lhv.ee

Customer support
Tel +372 699 9111 (Mon–Fri 9 am–5 pm),
kindlustus@lhv.ee

Price list and terms and conditions

Monthly fee

Free (the applicant must conclude an LHV Au-client agreement)

Interest

From 16%

The final interest depends of the client’s credit capacity. Interest free period of 40 days for payments, none for cash1

Credit limit

From 1000 €

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

Issuing, renewal, closing

Free of charge

Replacement

5 €

Conversion fee for transactions in foreign currencies

1% of transaction amount

Currency Conversion calculator for MasterCard transactions

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

To apply for a card, you must be an Au-client
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 €.

Always consider your credit decisions carefully. Familiarize yourself with terms and conditions of Au-client and consult our specialist. The annual percentage rate of charge of the Gold Credit Card is 15.34% on the following sample conditions: limit 1000 €, annual interest 18% (fixed), interest-free period of 36 days, repayment sum is 1081.42 €, assuming that the limit is used immediately, in its full amount and returned in the course of one year in equal monthly instalments.

Travel and Purchase Insurance is offered by AS LHV Kindlustus. 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 Debit Card