The prestigious Mastercard Gold credit card with credit limit of up to 200% of your monthly income.
Borrow deliberately, assessing your capacity to repay the loan.
Purchases made with SEB credit card starting from 10.03.2021 (for example, furniture, clothing, footwear, musical instruments, sports and leisure items, toys, household appliances, computer and other goods intended for long-term use) are insured.
Purchase insurance automatically takes effect as soon as the purchased product is handed over to you. Insurance lasts for 180 days from the date of purchase with your credit card.
Insurance cover ends before the term if within these 180 days your credit card expires and isn’t renewed or replaced.
The insurance is valid worldwide. It means that purchases made with a credit card in both Latvian and foreign online stores and places of trade will be insured.
Please inform the insurance provider If P&C Insurance AS Latvijas filiāle as soon as possible about an insurance event. You can submit an application by calling at +371 67338333, in writing on the insurer’s website Application for purchase insurance indemnity (LAT) or by e-mail atlidzibas@if.lv, including:
If P&C Insurance AS Latvijas filiāle will contact you if it will be necessary to ask for additional documents and evidence, clarify information about the circumstances of the insurance event, the amount of losses and possible liable persons, or agree on the possibility to inspect the scene or damaged property.
A deductible of 30 euros is applied per each insurance indemnity.
After receiving all the necessary documents, a specialist of If P&C Insurance AS Latvijas filiāle will make a decision on the indemnity within 10 working days. You will be notified in writing about the decision.
The insurance indemnity will be transferred to your SEB current account by If P&C Insurance AS Latvijas filiāle. A deductible of 30 euros will be deducted from the insurance indemnity. The amount of indemnity depends on the condition of the item:
Insurance terms and conditions for purchases with credit cards (LAT)
With the credit card, you have access to your own money as well as the credit granted by the bank.
You can choose how to repay the credit limit – as the interest-free credit limit or the line of credit.
The used credit limit is automatically repaid from the current account linked to your credit card on the 15th day of the month, or other date (5th to 15th) chosen by you. It is the date, when you need to have sufficient amount of the money on account to cover your credit limit and interest.
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 credit limit used in the previous month. Interest, contractual penalties and late payment interest are deducted together with the principal.
The amount of the credit limit – from 400 EUR up to 200% 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.
The amount of the credit limit – from 400 EUR up to 100% of your monthly net income.
In the internet bank or mobile app you can set allowed transactions and limits for your cards.
To receive the card by post, please update your contact information in the internet bank.
After receiving the card it will need to be activated within 4 weeks at an ATM of SEB, via the internet bank or by calling SEB at + 371 26668777. If the card is not activated, it will be closed.
For added security of the funds held in your account, the bank has set monthly transaction limit for POS and online transactions – 5,000 EUR. You can change it, if necessary.
If you already are a customer of SEB, you can apply for the credit card via the internet bank. If you are not a customer of SEB yet, you can apply for the credit card at any branch of SEB by taking your passport or ID card with you.
To receive the card by post, please update your contact information in the internet bank.
After receiving the card it will need to be activated within 4 weeks at an ATM of SEB, via the internet bank or by calling SEB at + 371 26668777. If the card is not activated, it will be closed.
In force from | In force to | |
---|---|---|
Credit card general terms and conditions for private persons (are applicable to Cards issued or renewed starting from 09.09.2020) |
09.09.2020
|
In force
|
Credit card general terms and conditions for private persons (are applicable to Cards issued or renewed before 09.09.2020) |
18.02.2019
|
In force
|
Chargeback purchase or ATM cash-out application |
|
In force
|
Chargeback ATM cash-in application |
|
In force
|
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 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.
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