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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

Starting from 21.03.2013, MasterCard payments in Internet stores are safer than before.
Get acquainted with the new service “Secure online purchases”.

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.

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 2.23% under the following sample conditions:

  • the credit limit EUR 2000 is immediately taken fully into use on monthly basis and is repaid in each following month in a lump sum;
  • monthly maintenance fee EUR 3.20;
  • monthly fee of current account EUR 0.30.

The total amount payable by the client is EUR 2045.50.

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 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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