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Gold credit card

Gold credit card

A sign of the best client relationship

  • Priority service at bank offices
  • Possibility to transfer credit limit
  • Possibility to use your own funds
  • You can choose the day of repayment (5th – 15th date)

We offer our best clients MasterCard Gold card, ensuring exclusive servicing and various benefits in our bank as well as in other service enterprises. Read more about our Gold Client Programme

Priority service at a bank office
We provide significant economy of time and faster service to our Gold Card holders at our bank offices. Our ticket machines issue you a preferential ticket, when you enter your Gold card.

To enable online purchases the card has been integrated with the “3D Secure” programme.
Read more

Offers from SEB partners
Gold Card holders also enjoy the offers made by SEB partners. We also send personalised offers to the Internet Bank inbox of Gold clients. You will also see partner offers when withdrawing money from an ATM.
Take a look at the Gold card partner offers here

  • To apply for the card, your monthly net income must amount to at least EUR 1200.
  • Minimum credit limit of the card is EUR 1200 and maximum credit limit, your one-month net income.
  • In case the user limit of the card is changed, the limit takes effect immediately.
  • Repayment occurs on the chosen day of each following month from your account within the entire used amount.
  • The credit is interest-free until the chosen day of the next month, when you have to pay for the transactions received by the bank in the previous month.
  • All service fees of the card are calculated within the user limit (e.g. cash withdrawal, monthly fee, changing the limit, etc.).

Terms and conditions of international credit card agreement

Annual percentage rate as a typical example

The annual percentage rate of charge of a Gold credit card is 2.46% under the following sample conditions:

  • the credit limit EUR 2,000 is immediately taken fully into use on monthly basis and is repaid in each following month in a lump sum;
  • monthly maintenance fee EUR 3.50;
  • monthly fee of current account EUR 0.30.

The total amount of repayments payable by the client is EUR 2,000.00 and total amount is EUR 2045.60.

To apply for the card, call the customer support line 665 5100*, fill in the credit card 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.

* priority service to a gold client, if you call from the number provided in your contact data

Private individual  
1. VISA Classic credit card, MC Standard credit card, MC contactless 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 (fee for transaction in foreign currency will be added)  
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) Fee for transaction in foreign currency will be added  
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 (1)  
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

(1) All claims for Card Operations executed in a foreign currency are received by the Bank from international card organisations (Visa, MasterCard), converted into euros according to their determined exchange rates.

Checklist for the applicant of international credit card and credit card with fixed payment

Taking a credit card is an important decision, involving risks. We would like to help you in preparing an informed decision.

When applying for a credit card, you should do a proper homework:

  • consider for what and how much credit you need and what would be your sources for repayment;
  • submit us true and adequate information for making the credit decision;
  • make it very clear for yourself which costs are involved in taking the credit card;
  • consider with the possibility that your financial situation may deteriorate and you must be able to repay the credit also when it happens;
  • examine carefully all credit documents (agreement, information sheet, etc.), before signing;
  • there are no unsolvable problems and situations, but there are different options – we are your partner, who you should contact well in advance even if you encounter problems with repaying the credit.

You may ask information about the terms and conditions of our credit card and get explanations both, before concluding the agreement as well as during its term. In case of questions, contact us on the general information lines of SEB Pank.
 

When examining the terms and conditions of credit card and the agreement, please pay attention to the following:


1. Standard European Consumer Credit Information

Before conclusion of a credit card agreement, we deliver to you for your information a personal Standard European Consumer Credit Information sheet, on which we give brief information on the more important conditions of the agreement. Please examine carefully the information presented on the information sheet.

2. Drawdown of credit

You can use the credit as of receiving your card. To use an instalment credit card, a separate card account is opened for you. Your card must be active to use the credit.

3. Right to withdraw from the credit card agreement

After signing the agreement, you may still withdraw from it within 14 days on conditions set out in the agreement.

4. Interest and changes in interest

Interest is a fee, which is paid for using the credit.

The interest rate of an international credit card (charge card) is 0%.

For an international charge card and instalment credit card with loan limit the interest depends on the price applicable to the client. The interest according to price list is 18% per year. The actual interest rate depends on the applicable benefits (such as lower interest rate applied to some SEB Plans). The bank does not inform the client separately on the establishment and expiry of a special interest rates.

5. Payments

If your international credit card (charge card) has no loan limit, you will repay each month on the payment date specified in the agreement the amounts of transactions received by the bank in the last month and the commission fees.

If your international charge card has a loan limit, you will pay each month on the payment date

  • interest calculated on the part of loan limit used in the previous month;
  • total amount of transactions received by the bank in the last month and commission fees on the part, exceeding the loan limit;
  • used part of the loan limit at least within the minimum monthly repayment amount fixed in the agreement. If the funds in your account exceed the minimum repayment on the payment date, the bank may debit the monthly loan limit repayment within the extent, which amounts to the maximum repayment fixed in the agreement.

For an instalment credit card, you will pay each month on the payment date specified in the agreement:

  • interest, calculated on the credit limit used in the previous month;
  • the credit amount exceeding the mandatory repayment limit within the mandatory repayment amount, if, on the 1st day of the given month, the used amount of credit exceeds the mandatory repayment limit.

If funds have been transferred to the card account from the 1st day of the given month until the payment day, you will have to pay an amount of mandatory repayment which is less by the receivables for the respective period. The bank shall not make a transfer from your account, if the mandatory repayment to be debited is less than 10 euros on the payment date.

Upon termination of the agreement or in any other case as stipulated in the agreement (e.g. if your card has been blocked for at least 2 months), you will be obliged to repay the entire used credit amount. For an international charge card with a loan limit and an instalment credit card, and if all the cards related to the agreement have been closed and you do not have any other arrears towards the bank, you may repay the used credit amount during the agreed period (within a maximum of two years). Whereas you undertake to pay the bank an annual 20% of interest on each payment date of the outstanding amount of credit.

6. Early repayment

The used credit amount of an international charge card cannot be repaid before term. Payments are made automatically only on the payment date.

You can repay the used part of the loan limit of an international charge card or the used credit amount of an instalment credit card before the term at the time suitable for you, by making a payment in internet bank or at a bank office.

7. Amendment of the terms and conditions of the credit card agreement

The bank has the right to change the terms and conditions of an international credit card and instalment credit card unilaterally, by giving an advance notice of two months.

The account holder may cancel the agreement by notifying the bank thereof at least one month in advance. After having received a cancellation application of the agreement, the bank shall close all cards tied to the agreement.

8. Consequences and costs of violating the credit card agreement

The bank has the right to block the use of a credit card to full extent or in part for specific transactions, inter alia, if

  • You do not fulfil your contractual obligation (such as the repayment obligation) and remain in arrears to the bank;
  • The bank becomes aware of a fact, pursuant to which it may reasonably conclude that
    - your solvency has deteriorated;
    - due performance of the agreement is questionable, or
    - the card is or may be used against your will;
  • You have not used the card for at least six (6) consecutive months;
  • There are other grounds for blocking, which arise from the agreement or the general terms and conditions.

The Bank shall release the block on the use of the card within 10 calendar days as of receiving the application of the account holder, if the circumstances forming the basis of blocking have lapsed. The credit card agreement ends when all cards issued based on the agreement have been blocked for at least two consecutive months.

If you do not make the contractual payments in due time, we may demand penalty for late payment within the rate as set out in the agreement.

Should you remain in arrears, we will first send you a reminder. If the debt is still not settled, we shall send you a debt notice, for which you will be charged. If the payments are overdue for more than 45 days, we shall forward the debt information to a payment default registry (Creditinfo Eesti AS). All costs related to debt collection shall be borne by you.

9. Costs related to the credit card agreement

For using the credit card, you will have to pay the card issue fee and a monthly maintenance fee. Please read also the price list of credit cards, which you can find from our webpage at http://www.seb.ee/eng/price-list.

Credit card agreement involves also the following fixed costs:

  • monthly fee of current account (www.seb.ee/hinnakiri#kontod);
  • fee for cash withdrawal at an ATM or branch;
  • 1.5% fee on the transaction amount for a transaction in a foreign currency.

10. Risk of possible decrease in solvency of the account holder

Please consider how to cope with the repayment of credit, should the overall economic environment deteriorate, your salary or other income decrease or your other expenditures increase.

To make a well-informed decision, analyse the actual financial situation of your family.

Contact us immediately if you encounter solvency problems. Call us right away also if your employment is terminated or an execution proceeding is commenced against you or your bank account has been seized. Together we shall find the most suitable solution to the situation.

11. Complaints and disputes

If you have any complaints concerning our activity, then first try to resolve the issue by negotiating with us. You can read about the general procedure of settling the disputes on our website at http://www.seb.ee/eng/legal/how-complain.

If you feel that our answer is not the one you expected from us and you still think that we have violated your rights when granting the credit, you will have the right to turn to the Consumer Protection Board (Pronksi 12, 10117 Tallinn; www.tarbijakaitseamet.ee) or the Financial Supervision Authority (Sakala 4, 15030 Tallinn; www.fi.ee), for advice and explanations.

Furthermore, in order to resolve a dispute, you may contact the Consumer Disputes Committee operating at the Consumer Protection Board or turn to court. A complaint to the Consumer Dispute Committee can be submitted also digitally via Online Dispute Resolution website at http://ec.europa.eu/odr.https://webgate.ec.europa.eu/odr/main/index.cfm?....

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