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Credit card with fixed payment

Credit card with fixed payment

Extra cash for bigger purchases

  • Regular repayment
  • Additional contributions possible
  • Special interest of 16% for users of Super+, 60+, Senior or Family Plan

A credit card with fixed payment combines the best features of credit cards with voluntary and predetermined payments and is ideal for making bigger purchases. In this way, you can be sure that whenever you incur unplanned expenditures, you will always have extra cash.

Apply for a card

Advantages

A credit card with fixed payments is ideal for making bigger purchases in Estonia and in abroad.

  • Repayment occurs once a month, pursuant to agreed date and amount
  • You can make additional deposits to the card, increasing thereby the card’s purchase power.
  • Annual interest is 18% on the used amount of credit. We begin the interest calculation when you start using the card.
  • The interest for the users of Super+, 60+, Senior or Family Plan is 16%.
  • Card is issued free of charge (except for Picture card)
  • The card has no monthly maintenance fee
  • You may buy also travel insurance with the card Read about travel insurance
  • Starting from 21.03.2013, MasterCard payments in Internet stores are safer than before.
    Get acquainted with the new service “Secure online purchases”.

Conditions

Credit limit

  • Minimum credit limit is EUR 200
  • If your monthly net income exceeds EUR 640, the maximum limit will be twice your monthly net income
  • If your monthly net income is 320-640, the maximum limit will be your one month net income

User limit

  • Minimum user limit of the card is EUR 0
  • Maximum user limit of the card is EUR 6500.
  • The user limit determines the amount, within which it is possible to carry out transactions with the specific card in a calendar month User limit may be higher than credit limit, however not more than EUR 6500.

Repayment

  • Repayments of a fixed-payment credit card are made in fixed repayments on a specific date. Additionally, you can make payments to your account in order to speed up the repayment of the exhausted credit limit.
  • You can choose a suitable payment date between 5th and 15th of the month
  • Interest calculation will begin when you start using the card.

Limit of mandatory repayment

  • If your monthly net income exceeds EUR 640, the maximum mandatory repayment limit will be your one month net income
  • If your monthly net income is EUR 320-639, the maximum mandatory repayment limit will be half of your one month net income
  • Minimum amount of mandatory repayment is 1/24 of credit limit

Other conditions

  • Card is issued free of charge and has no monthly maintenance fee
  • A fee is applied to cash withdrawal from an ATM
  • You can make additional deposits to the card, increasing thereby the card’s purchase power.
  • Upon expiry of the three-year term of the card, we shall automatically prepare you a new card and inform you in a letter of the branch where the card is sent. You may also order the card home by post, in which case the card must be activated in Internet Bank after receiving it.

Read more about sending the card home by post
Terms and conditions of agreement for credit card with standing payment

Annual percentage rate as a typical example

The annual percentage rate of a credit card with fixed payment is 19.86% under the following sample conditions: the credit limit €1,000 is immediately taken fully into use, annual interest rate 18% on the used amount, repayment within 24 months in equal instalments.

The annual percentage rate of a credit card with fixed payment (Picture Card) is 20.26% under the following sample conditions: the credit limit €1,000 is immediately taken fully into use, issue fee €3.20, annual interest rate 18% on the used amount, repayment within 24 months in equal instalments.

Application

Requirements to applicants

  • You can apply for the card if you are at least 18 years of age
  • Your monthly net income, i.e. income, from which the taxes and other monthly repayment obligations (e.g. loans and leases) have been deducted, is at least EUR 320
  • If your salary has not been received in SEB for the last 6 months, you need to present an account statement for the last 6 months of the bank where the salary was received so far. In addition, please submit a confirmation of your employer, that from now on your salary will be transferred to SEB.

Application

To order a credit card with fixed payments, fill in the application on our webpage, in Internet Bank or at your nearest SEB branch.

We shall send the answer to your application in a few days. In case of a positive answer, we shall inform you of the day, when you can pick up the card.

Calculator

Price list

Private individual  
1. VISA Classic credit card, MC Standard credit card and MercedesCard (1)  
issue (with the cover of Emergency service; incl. prolongation) free of charge
monthly fee EUR 1.60
replacement card, additional card (issue) free of charge
2. MC Gold credit card and VISA Gold credit card (2)  
issue (with the cover of Emergency service; incl. prolongation) free of charge
monthly fee EUR 3.20
replacement card, additional card (issue) free of charge
3. MasterCard Platinum (with Priority Pass service and travel insurance Gold)  
issue (with the cover of Emergency service) EUR 19.17
monthly fee EUR 8.95
replacement card EUR 6.39
prolongation card EUR 19.17
additional card EUR 19.17
4. Credit card with standing payment (MC Standard)  
annual card fee free of charge
interest on used credit 18% per year
5. PILDIKAART credit card  
issue (with the cover of Emergency service; incl. prolongation) EUR 3.20
monthly fee EUR 1.60
replacement card, additional card (issue) EUR 3.20
6. PILDIKAART with standing payment  
issue (with the cover of Emergency service; incl. prolongation) EUR 3.20
monthly fee free of charge
replacement card, additional card (issue) EUR 3.20
interest on used credit 18% per year
7. Card finder’s reward/refund for card confiscation and/or Emergency Service user charge in case there is no Emergency Service insurance actual expenses, up to EUR 127.82
Legal entity  
1. MC Business credit card, VISA Business credit card (3) and MC Standard credit card (3)  
issue (with the cover of Emergency service; incl. prolongation) free of charge
monthly fee EUR 1.92
replacement card, additional card (issue) free of charge
2. PILDIKAART credit card  
issue (with the cover of Emergency service; incl. prolongation) EUR 3.20
monthly fee EUR 1.92
replacement card, additional card (issue) EUR 3.20
3. MC Gold credit card and VISA Gold credit card (2)  
issue (with the cover of Emergency service; incl. prolongation) free of charge
monthly fee EUR 4.79
replacement card, additional card (issue) free of charge
4. MasterCard Platinum (with Priority Pass service and travel insurance Gold)  
issue (with the cover of Emergency service) EUR 19.17
monthly fee EUR 8.95
replacement card EUR 6.39
prolongation card EUR 19.17
additional card EUR 19.17
5. Approval/extension of credit limit free of charge
6. Credit limit change EUR 3.20

(1) Starting from 19.03.2014 it will not be possible to order MercedesCard credit cards.
(2) Starting from 10.03.2014 it will not be possible to order VISA Gold credit cards for private and legal persons.
(3) Starting from 10.03.2014 it will not be possible to order VISA Business and MC Standard credit cards for legal persons.

General transaction and service fees  
1. Approval of loan limit free of charge
2. Loan limit change free of charge
3. Annual interest of used loan 18%
4. Regular statement  

by e-mail

free of charge

by mail in Estonia

EUR 0.06 per page, min EUR 0.96

by mail outside Estonia

EUR 0.06 per page, min EUR 1.92

by fax in Estonia

EUR 0.06 per page, min EUR 0.32

by fax outside Estonia

EUR 0.06 per page, min EUR 3.20
5. Single statement over the counter  
after 01.01.1999 EUR 1.60
6. Clearing settlement  
MC Standard/Business/Gold; Credit card with standing payment; VISA Classic/Business/Gold free of charge
7. Cash withdrawal from cash machine or bank office (incl. abroad)  
MC Standard/Business/Gold; Credit card with standing payment; VISA Classic/Business/Gold EUR 1.92 + 2,5% of the withdrawn amount
8. Conversion rates for transaction in foreign currency  
transaction original currency is other (excl. EUR) 1% of the transaction amount
9. Balance inquiry (balance, last transactions)  
from SEB Estonia ATM’s free of charge
from other Estonian bank’s ATM EUR 0.32 / per inquiry
10. Permanent change of monthly limit  
over the counter, phone banking operator service EUR 3.20
internet-bank free of charge
11. Temporary limit increase 1,5% of additional limit, min EUR 6.39
12. Credit card with standing payment, replacement card free of charge
13. Preparation of express bank cards EUR 31.96
14. Blocking of card by bank EUR 6.39
15. Credit card overdraft reminder by mail EUR 5.11
16. Credit card with standing payment, overdraft reminder EUR 1.28
17. Contractual penalty for use of blocked card, breach of limit or amounts not paid in time up to EUR 63.91
18. Overdraft penalty  
 private individual interest + 7% per year
legal entity 0,2% per day
19. Duplicate of POS receipt or demand for refund, unjustified (justified - free of charge)  
domestic transaction EUR 3.20
cross-border transaction EUR 6.39
20. Security deposit interest rate one-month term deposit
21. Sending a card by  
registered mail (Estonia and foreign countries) EUR 1.28
mail (Estonia and foreign countries) free of charge
22. Using Priority Pass service EUR 24.29 per using
23. Travel insurance Gold (for VISA Gold credit card and MC Gold credit card holders) EUR 44.48
24. Travel insurance Credit EUR 63.66
24. Travel insurance Child EUR 19

 

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