When to use a credit card?
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Your household appliance has broken down
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A bargain price is offered for a long-coveted purchase
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To cover your medical expenses
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To cover your car repair costs
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You’ve run short of money until the next payday
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For travel and larger purchases
Credit card with a loan. If you do not use the funds provided by the bank, you will not have to pay for them.
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Contactless Mastercard Classic credit card |
VISA Style credit card |
Contactless Mastercard Gold credit card |
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| Particularly suitable for | Fast routine payments using the contactless function | For routine payments in style | For the loves of an elegant life-style, who cannot afford standing in the queues |
| Monthly fee* | 2.00 / 3.00 | 2.50 / 3.00 | 3.60 |
| Issuance fee* | 2.00 / 3.00 | 2.50 / 3.00 | 3.60 |
| The available credit limit (loan) | From 300 up to 15,000 EUR | From 300 up to 15,000 EUR | From 400 up to 15,000 EUR |
| Contactless payments | Yes | No | Yes |
| The design selected by you | No | Yes | No |
| Priority banking services at the branch | No | No | Yes |
| Special terms and conditions for Gold and Silver level clients | |||
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Contactless Mastercard Classic credit card |
Contactless Mastercard Gold credit card |
| Particularly suitable for | |
|---|---|
| Fast routine payments using the contactless function | For those who love an elegant life-style, who cannot afford standing in the queues |
| Monthly fee* | |
| 2.00 / 3.00 | 3.60 |
| Issuance fee* | |
| 2.00 / 3.00 | 3.60 |
| The available credit limit (loan) | |
| From 300 up to 15,000 EUR | From 400 up to 15,000 EUR |
| Contactless payments | |
| Yes | Yes |
| Priority banking services at the branch | |
| No | Yes |
| Special terms and conditions for Gold and Silver level clients | |
*Lower price – by choosing Credit line type of the repayment and higher – Interest-free credit card.
*Borrow deliberately, assessing your capacity to repay the loan.
Types of the repayment of the loan
At applying for the credit card, you must also specify how you would like to use and repay the money borrowed from the bank.
Credit line
The amount of the credit limit is from 300 EUR 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. 21% interest rate on used credit limit, contractual penalties and late payment interest according to price list are deducted together with the principal.
Interest-free credit card
The amount of the credit limit – from 300 EUR 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.
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Types of the repayment of the loan
At applying for the credit card, you must also specify how you would like to use and repay the money borrowed from the bank.
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Credit line
The amount of the credit limit is from 300 EUR 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 . 21% interest rate on used credit limit, contractual penalties and late payment interest according to price list are deducted together with the principal.
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Interest-free credit card
The amount of the credit limit – from 300 EUR 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.
Pros: With the Active plan, you get a credit card free of the monthly usage fee
With the Active plan at 4 EUR per month, you will have:
- an unlimited number of transfers within Latvia and to all SEPA countries
- a free payment card
- Standard Mastercard and Style credit card without the monthly fee
A handy option to monitor cards with the mobile app
A handy option for monitoring your spending, as well as for changing payment limits and settings. For additional security, you can enable or disable, at any time, the options for online purchases or purchases abroad.