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Credit card with predetermined repayment

Credit card with predetermined repayment

Better means for daily settlements

  • Up to 45 days of interest-free credit
  • Possibility to transfer credit limit
  • Possibility to use your own funds
  • You can choose the day of repayment (5th – 15th date)

Suitable for the payment of daily purchases, helpful while travelling and providing assurance that you always have extra cash, when needed. You will repay the spent amount on the chosen day of the next month.

  • Interest-free until the chosen payment day of the next month, when you have to pay for the transactions of the previous month
  • No issue fee (except for Platinum and Picture card)
  • Monthly maintenance fee depends on the type of card
  • No monthly fee for the users of Super+, 60+, Senior and Family Plan
  • 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”.

Credit limit

  • Minimum credit limit of the card is EUR 300
  • The maximum credit limit of the card is your one month net income When calculating the maximum limit, we consider also your other loans and lease obligations
  • User limit is valid for one month, i.e. a new limit is calculated to the card on the first day of each calendar month.

User limit

  • Minimum user limit of the card is EUR 0
  • Maximum user limit of the card depends on the type of card and may be up to EUR 32,000
  • The user limit determines the amount, within which it is possible to use the credit limit of the specific card in a calendar month. It is reasonable to assign a different user limit from a credit limit, if several persons are to use one credit limit.
  • In case the user limit of the card is changed, the limit takes effect immediately.

Repayment

  • The payment date is set on the chosen day of each month, on which the funds used in the previous month with the card have to be repaid in full extent. If there are no required funds on the payment day, we shall start calculating late penalty.
  • The credit is interest-free for up to 45 days: no interest is calculated on the credit, used in the calendar month, until the repayment day of the following month.

Other conditions

  • The card has no issue fee (except for Platinum and Picture card), however a monthly maintenance fee is applied to the card. Read about the fees from price list.
  • It is not possible to make additional deposits to the card.
  • A fee is applied to cash withdrawal from ATM.
  • All service fees of the card are calculated within the user limit (e.g. cash withdrawal, monthly fee, changing the limit, etc.).
  • 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 the credit card conditions

Annual percentage rate as a typical example

The annual percentage rate of charge of a credit card with predetermined repayment is 2.43% under the following sample conditions:

  • the credit limit EUR 1000 is immediately taken fully into use on monthly basis and is repaid in each following month in a lump sum;
  • monthly maintenance fee EUR 1.60;
  • monthly fee of current account EUR 0.30.

The total amount payable by the client is EUR 1024.70.


The annual percentage rate of charge of a credit card with predetermined repayment (Picture Card) is 2.75% under the following sample conditions:

  • the credit limit EUR 1000 is immediately taken fully into use on monthly basis and is repaid in each following month in a lump sum;
  • card issue fee EUR 3.20;
  • monthly maintenance fee EUR 1.60;
  • monthly fee of current account EUR 0.30.

The total amount payable by the client is EUR 1027.90.

Requirements to applicants

  • You can apply for the card if you are at least 18 years of age
  • Your monthly income, from which the taxes and other monthly repayment obligations (e.g. loans and leases) have been deducted, is at least EUR 640
  • 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 predetermined repayment, fill in the application 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 your card.

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 EUR 5
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 3.50
replacement card, additional card EUR 5
3. MasterCard Platinum (with Priority Pass service and travel insurance Gold)  
issue (with the cover of Emergency service, incl. prolongation) EUR 20
monthly fee EUR 10
replacement card EUR 10
additional card EUR 20
4. Credit card with fixed payment (MC Standard)  
issue (incl. prolongation) free of charge
monthly fee free of charge
replacement card, additional card free of charge
5. MasterCard World Elite (with Priority Pass service and travel insurance World Elite)  
issue (with the cover of Emergency service, incl. prolongation) EUR 35
monthly fee EUR 35
replacement card EUR 15
additional card EUR 35
6. Pildikaart credit card  
issue (with the cover of Emergency service; incl. prolongation) EUR 5
monthly fee EUR 1.60
replacement card, additional card (issue) EUR 5
7. Pildikaart with fixed 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
8. 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 130
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) EUR 2
monthly fee EUR 2
additional card EUR 2
replacement card EUR 5
2. Pildikaart credit card  
issue (with the cover of Emergency service; incl. prolongation) EUR 5
monthly fee EUR 2
replacement card, additional card EUR 5
3. MC Gold credit card and VISA Gold credit card (2)  
issue (with the cover of Emergency service; incl. prolongation) EUR 5
monthly fee EUR 7
replacement card, additional card (issue) EUR 5
4. MasterCard Platinum (with Priority Pass service and travel insurance Gold)  
issue (with the cover of Emergency service, incl. prolongation) EUR 20
monthly fee EUR 12
replacement card EUR 10
additional card EUR 20

(1) Starting from 19.03.2014 is not possible to order MercedesCard credit cards.
(2) Starting from 10.03.2014 is not possible to order VISA Gold credit cards.
(3) Starting from 10.03.2014 is not 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. Annual interest of used loan 18%
3. Credit card with fixed payment (MC Standard, Pildikaart)  
interest on used credit 18% per year
4. Approval/extension of credit limit free of charge
5. Security deposit interest rate one-month term deposit
6. Agreement amendment  
loan limit change free of charge
credit limit change EUR 10
permanent change of monthly limit  
           over the counter, phone banking operator service EUR 3.20
           internet-bank free of charge
7. Temporary card´s limit increase 1,5% of additional limit, min. EUR 8
8. Regular statement  

by e-mail

free of charge

by post in Estonia

EUR 0.4 per page, min EUR 4

by post outside Estonia

EUR 0.4 per page, min EUR 10
9. Single statement over the counter  
for up to last 10 years EUR 4
10. Balance inquiry (balance; last transactions)  
from SEB Estonia ATM's free of charge
from other bank's ATM EUR 0.40 / per inquiry
11. Clearing settlement  
MC Standard/Business/Gold/Platinum/World Elite; Credit card with standing payment; VISA Classic/Business/Gold free of charge
12. Cash deposit in SEB Estonia ATM’s  
up to EUR 5000 in a calendar month per client (holder of account(s)) with credit and/or debit card free of charge
if the amount exceeds EUR 5000 in a calendar month per client (holder of account(s)) with credit and/or debit card 0.3% of the deposited amount
13. Cash withdrawal from cash machine or bank office (incl. abroad)  
MC Standard/Business/Gold/Platinum/World Elite; Credit card with standing payment; VISA Classic/Business/Gold EUR 2 + 2,5% of the withdrawn amount
14. Transfer of credit limit to current account EUR 2 + 2% of the transaction amount
15. Fee for transaction in foreign currency  
transaction original currency is other (excl. EUR) 1,5% of the transaction amount
16. Blocking of card by bank free of charge
17. Debt claim letter of credit card EUR 5
18. Debt claim letter of fixed payment credit card EUR 5
19. Contractual penalty for use of blocked card, breach of limit or amounts not paid in time EUR 65
20. Duplicate of POS receipt  
domestic transaction EUR 4
cross-border transaction EUR 8
21. Unjustified demand for refund  
domestic transaction EUR 12
cross-border transaction EUR 16
22. Preparation of express bank cards EUR 40
23. Sending a card by  
registered mail (Estonia and foreign countries) EUR 2,50
mail (Estonia and foreign countries) free of charge
24. Using Priority Pass service EUR 27 per using
25. Travel insurance Gold (for VISA Gold credit card and MC Gold credit card holders) EUR 69
26. Travel insurance Child EUR 25

 

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