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Mastercard Gold credit card

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400 euros

Credit limit

An interest free credit limit

Up to 45 days

or a credit line with 5% monthly repayment

Purchase insurance

is free of charge and takes effect automatically

It provides more than you expect

Secure payments. Apply remotely and receive card by post in a few days
Access to your own money and to the credit granted by the bank. If you are not using the bank’s money, you will not be charged for it.
At SEB ATMs you can change your card’s PIN with the one you prefer
Your purchases are insured automatically

Wide range of coverage

  • Travel expenses
  • Car rent
  • Hotel reservation
  • Your car repair costs
  • Replacing broken household appliances
  • Larger purchases
  • Your medical expenses

Travel insurance

Short term travel insurance, provided by If Insurance

  • Different coverage types and protection for all travellers
  • Support is available 24/7
  • Purchase conveniently in the internet bank

Learn more


 

Long term travel insurance, provided by Compensa Vienna Insurance

  • All your travels outside your home country will be insured for up to 180 days a year 
  • 24/7 support
  • 40% discount for high risk policy

Learn more


 

Purchase insurance

Provided by If insurance

Provided by If insurance

Purchases made with SEB credit card are insured. For example, furniture, clothing, footwear, musical instruments, sports and leisure items, toys, household appliances, computers and other goods intended for long-term use.

Purchase insurance doesn’t require additional application, it is free of charge and also applies to online purchases.

Card payments 

  • In the internet bank or mobile app you can set allowed transactions and spending limits for your cards.
  • For additional security of online purchases made with cards, you need also to connect to your internet bank, thus confirming your identity.
  • Contactless functionality makes small purchases simple and quick, without inserting your card in the POS terminal and entering the PIN code. Maximum amount of contactless payment is 150 euros. 
     

How to make your card payments or payments from card account even easier:

 

  • Transfer money in the mobile app to recipients from your phonebook
  • Set up standing orders and review them in the internet bank
  • Make payments with Android phone by creating a digital version of your card 
     

Compare creditcards

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Private card: Mastercard Standard credit card

Mastercard Standard credit card

  • Free of charge when using Active and Family plan, otherwise – 2.50 euros a month
  • An interest-free credit limit for up to 45 days or a credit line for gradual repayment
  • Additional funds up to the amount of two monthly salaries
  • Purchase insurance free of charge, including online stores

 

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private card: gold card

Mastercard Gold credit card

  • 3.60 euros a month
  • An interest-free credit limit for up to 45 days or a credit line for gradual repayment
  • Additional funds up to the amount of two monthly salaries
  • Purchase insurance free of charge, including online stores
  • Higher monthly transaction limits provide more flexibility for your payments

 

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World elite card image

Mastercard World Elite

  • Monthly fee – 35 euros
  • Travel insurance with an especially broad range of insured risks
  • Travel concierge service
  • Fast Track check-in at Vilnius, Riga and Tallinn international airports
  • Priority Pass – the opportunity to use business lounges at over 700 international airports
  • Car rental benefits, discounts and benefits in hotels all around the world

 

Types of repayment schemes

Credit line

The available amount of credit limit is from 400 euros up to 200% of your monthly net income.
You may repay the used amount of the credit line to the bank gradually – in the period from the 5th to 15th day of the following month, by repaying only 5% of the used credit limit. XX% interest rate on used credit limit, contractual penalties and late payment interest according to price list are deducted together with the principal.  

Customer Benefit Programme

Interest-free credit card

The amount of credit limit is  from  400 euros up to 100% of your monthly net income. You may use the interest-free credit limit free of charge for up to 45 days – if you pay back the used credit limit amount by the 15th day of the next month, no interest will be charged, and the full credit limit will be available again.

In case you lost your card

In case of loss or theft of a card, it must be blocked for security reasons.
You can do this at any time:

  • in the internet bank (section “Accounts/Cards” → “My cards”);
  • in the mobile app (in the Cards section, select your card and press Blocking);
  • by calling the bank at +371 26668777.
     

Frequently asked questions

In case your card is lost or stolen, we suggest blocking it immediately. You can block the card:

  • in the mobile app (“Cards” → “Card” → “Blocking”)
  • in the Internet Bank (“Accounts and cards” → “My cards” → “Block card”)
  • by calling SEB Bank at +370 5 268 2800 (24/7) or on Skype
     

Yes. You can order a new card in the Internet Bank section "Accounts and cards" → "New card". Debit cards are sent by post. We can send the card to your residential address, office address or anywhere else in Lithuania or abroad, wherever you usually stay or prefer to receive the card at. Sending by ordinary mail in Lithuania is free, by registered mail –1.4 euros. The fee for sending the card abroad is 6 euros.

You can view your card’s PIN code in the internet bank section "Accounts/Cards" → "My cards" → "View PIN code". 

Yes. You can change the PIN code by using an ATM of SEB.

First you need to activate the card. You can do it either in mobile app or the Internet Bank:

  • in the mobile app (“Cards” → “Card”)
  • in the Internet Bank (“Accounts and cards” → “My cards” → “Activate card”)

Renewed cards can also be activated by using ATMs of SEB – insert the card, enter the PIN code and select "Card activation".
 

The default daily limit for cash withdrawals at an ATM with a debit card is 1500 euros, but you can freely increase this limit up to 2200 euros:

  • in the mobile app (“Cards” → “Settings and limits”)
  • in the Internet Bank (“Accounts and cards” → “My cards” → “Change details”)

If none of these options are available to you, limits can also be changed by calling us at +371 26668777. +371 26668777

More information about credit cards

Services Fees
Fee for preparing a card/additional card, if activated in a bank’s branch or by calling the customer’s centre 5.00 EUR
Fee for preparing a card/additional card, if activated in the internet bank, mobile app or ATM 3.60 EUR
Fee for use of the card/additional card (per month)1 3.60 EUR
Replacing a card/additional card, if activated in a bank’s branch or by calling the customer’s centre 15.00 EUR
Replacing a card/additional card, if activated in the internet bank, mobile app or ATM 10.00 EUR
Commission for purchase in Latvia and abroad Free of charge
Cash withdrawal in another bank 2%, min 4.00 EUR
Cash withdrawal at ATMs 2%, min 4.00 EUR
Cash withdrawal at business operators' outlets 2%, min 4.00 EUR
Cash deposit at SEB bank’s ATM:
   •  up to 6,000 EUR within one calendar month for all customer's accounts Free of charge
   •  upon exceeding monthly credits of 6,000 EUR for all customer's accounts 0,1% of transaction amount
Changes in the credit card agreement (submitted to the branch) 10.00 EUR
Changes in the credit card agreement (submitted in internet bank)2 Free of charge
Reviewing an application of credit limit increase 10.00 EUR
Services I Interest-free credit limit II Credit line III Fixed payment3
Fee for the used credit limit (per year) 0% 21%
(1,75% per month)
24%
(2% per month)
Monthly repayment amount 100% 5% Fixed in compliance with the agreement
Late payment interest (per year) 36% (3% per month)
Contractual penalty (per year) 36% (3% per month)
Services Fees

Others charges and terms related to Mastercard Gold

Fee for sending a card/additional card by mail in the territory of Latvia Free of charge
Fee for sending a card/additional card to abroad 6.00 EUR
Reviewing a complaint4, 5 Free of charge
Change of PIN code in SEB bank’s ATMs Free of charge
Fee for unblocking PIN code of a card in SEB bank’s ATMs, if the PIN has been entered incorrectly for 3 consecutive times while using POS terminal Free of charge
Change of card transaction limit within SEB bank's standard limit (branch)6 5.00 EUR
Change of card transaction limit above the standard maximum limit set by SEB bank6 10.00 EUR
Consideration of a loan application Free of charge
Checking the account balance through ATMs of:
   •  SEB bank Free of charge
   •  other banks in Latvia 0.45 EUR
   •  other banks abroad 1.00 EUR
Fee for urgent card issue7 30.00 EUR
Surcharge on currency exchange when the currency of the card’s main account is not that of the transaction currency8 3%

The limit of transactions within one calendar month includes purchased and cash withdrawal transactions of 15,000 EUR.

Total cash deposit limit in ATMs with all customer’s cards is 7,000 EUR per month.9

For other services (current account maintenance, transactions in the account, processing of the customer’s documents etc.) which SEB bank provides to the customer in relation to payment card servicing, the customer pays in accordance with SEB bank’s General Price list for individuals.

A maximum of 200 banknotes can be deposited in an ATM in a single deposit transaction.


1 Charged starting from the second month of using the card/additional card.

2 Except increase of the credit limit.

3 From December 2017 new cards with a fixed payment refund scheme are not offered.

4 If processing of the complaint involves obtaining documentary proof of transactions, then a fee will be charged to the amount of the actual cost of the service.

5 Application shall be deemed received by us:
    •  on the current working day if the application is submitted and received before 16:00;
    •  on the next working day if the application is submitted after 16:00.

   In case working day is shortened according to the law, the above deadline shall be one hour prior to end of the shortened working day.

6 Includes changes in POS, ATM and monthly spending limits.

7 If the card is ordered on business day by 12:00, it will be available at the Rīdzene branch on the same day after 16:00. If the card is ordered after 12:00, it can be received at Rīdzene branch on the next business day after 16:00.

8 Information about exchange rates is available on the home page of International card organization
https://www.mastercard.com/global/currencyconversion/index.html.

9 SEB bank has the right to unilaterally reduce or increase the cash deposit limit upon evaluation of the Customer's business and personal activities.

Which loan type is the most suitable for you?

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Home purchase or construction

 

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