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Premium credit card – a sign of the best client relationship

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Minimum

1200 euros

Credit limit up to your one-month net income

Up to

45 days

An interest-free credit limit

Purchase insurance

is free of charge and takes effect automatically

It provides more than you expect

Travel insurance for the whole family to travel around the world
Purchase insurance for durable goods paid for by credit card
Fast Track - priority security check at airports around the world, free of charge 5 times per calendar year
Flight Delay Pass - entrance to the business client's waiting room in case of flight delay.

Premium travel insurance

The Mastercard Premium credit card comes with travel insurance, which SEB offers in cooperation with PZU Kindlustus*.

  • The insurance is valid anywhere in the world (except Estonia) for trips lasting up to 90 days;
  • In addition to the credit card holder, the spouse or partner of the credit card holder and all their children up to 21 years of age (incl.) travelling with credit card holder are insured.

If you need urgent medical help while traveling, call PZU's 24/7 customer support number +372 622 4545. Please report the incident to PZU self-service, by e-mail to seb@pzu.ee or by calling +372 662 4545.

* PZU Kindlustus is the Estonian branch of the Lithuanian damage insurance company AB “Lietuvos draudimas”, which belongs to the international PZU group and uses the PZU brand in Estonia.

Purchase insurance

The Mastercard Premium credit card comes with purchase insurance, which SEB offers in cooperation with PZU Kindlustus*.

  • Purchase insurance covers durable goods purchased with a credit card that have a useful life of at least 3 years;
  • The insurance is valid for 180 days from the date of purchase/receipt of the goods.

* PZU Kindlustus is the Estonian branch of the Lithuanian damage insurance company AB “Lietuvos draudimas”, which belongs to the international PZU group and uses the PZU brand in Estonia.

Fast Track security check at international airports

Upgrade your airport security check experience with Mastercard® Airport Security Fast Track powered by DragonPass. Skip the queue and take your time to relax, shop or dine in the airport. 
Mastercard Premium credit card provides Fast Track check-in with no additional charge 5 times per year for a single person*.
The list of airports participating in Mastercard® Airport Security Fast Track  program can be found from this link

To get the access to Fast Track:

  • Please make sure that online purchases are enabled for your  Mastercard Gold /Mastercard Premium
  • Register your personal account in the Mastercard Travel Experiences mobile app (available on iOS and Android operating systems) or Mastercard website
  • You are ready to pre-order Fast Track for your upcoming airport visit

Registering for the Fast track service means that you agree to the service provider's terms and conditions and privacy policy.

To book Fast Track:

  • Choose the airport, the number of travellers, and the desired time slot
  • Use your free Fast Track passes, or pay using your Mastercard Gold / Mastercard Premium which you have registered before
  • Receive your e-ticket via e-mail or the app
  • Proceed to the Fast Track zone of the terminal and show the Fast Track pass to the airport employees

For urgent questions or uncertainties at the airport, please call +44 7700 168 666 (in English).

Download the app to enjoy your airport experience

Google play

 

 

 

App store button

 

 


* The service is free of charge for Mastercard Gold / Mastercard Premium cardholder 5 times per calendar year, and can be used by both the cardholder and their guest(s). 6th and further visits will be charged according to the pricelist of the airport. Charges will be displayed during the app registration process.

Free lounge access in case of flight delay

With the Mastercard Premium credit card, you get a free airport business customer lounge, where you can take up to five passengers with, if you have registered your flight on the Mastercard website and your flight is delayed by 2 hours or more (does not apply to charter flights).

The Flight Delay Pass service is free for Mastercard Premium card holders.

The entrance to the Lounge works as follows:

  1. You register your flight on the Mastercard website, where contact details and passenger information are requested.
  2. Mastercard sends an e-mail that the flight has been registered.
  3. The flight is delayed by 2 hours or more (it is not a charter flight).
  4. You will receive an email with a one-time LoungeKey QR pass that allows you to enter the airport's business lounge with five passengers.

By signing up for Flight Delay Pass services, you agree to the service provider's terms and conditions and privacy policy. If you have any questions or concerns about the Flight Delay Pass, please contact the service provider at +44 144 444 2130 (in English) or by email at customerservice@fdp.mastercard.com.

Card payments

  • In the internet bank or mobile app you can set allowed transactions and spending limits for your cards.
  • For additional security of online purchases made with cards, you need also to connect to your internet bank, thus confirming your identity.
  • Contactless functionality makes small purchases simple and quick, without inserting your card in the POS terminal and entering the PIN code. Maximum amount of contactless payment is 150 euros. 
     

How to make your card payments or payments from card account even easier:

  • Transfer money in the mobile app to recipients from your phonebook
  • Set up standing orders and review them in the internet bank
  • Make payments with Android phone by creating a digital version of your card
     

Compare credit cards

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SEB Mastercard Standard

Credit card with predetermined repayment

  • Your monthly net income is at least EUR 640
  • 1.60 euros a month, free for Diverse ot Elite plan users
  • Up to 45 days of interest-free credit
  • Purchase insurance
  • Possibility to use your own funds

 

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SEB Mastercard Standard

Mastercard credit card with fixed payment

  • Your monthly net income is at least EUR 500
  • Without monthly fee
  • Purchase insurance
  • Regular monthly repayment
  • Additional contributions possible
  • Special interest of 16% for users of Diverse or Elite plans

   

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SEB Mastercard World Elite card

Mastercard World Elite

  • Your monthly net income is at least EUR 3000
  • 30 euros a month, free of charge for Elite plan users
  • Purchase insurance
  • World Elite travel insurance
  • Priority Pass - access to more than 1300 airport business lounges
  • Fast Track security check at international airports
  • Mastercard Travel & Lifestyle Services – 24/7 access to luxury travel and dining benefits
  • Priority service in our bank offices
  • Possibility to transfer credit limit and use your own funds

   

Types of repayment schemes

Interest-free credit card

The amount of credit limit is from 1200 euros up to 100% 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.

In case you lost your card

If your card is lost or stolen, please block it immediately:

  • in the internet bank (section “Cards” → “My cards”);
  • in the mobile app (in the Cards section, select your card and press Blocking);
  • SEB 24/7 help line no +372 665 5100.

Your card will be blocked so that it can not be used by anybody.

Frequently asked questions

In case your card is lost or stolen, we suggest blocking it immediately. You can block the card: 

  • in the mobile app (“Cards” → “Card” → “Blocking”)
  • in the Internet Bank (“Cards” → “My cards” → “Block the card”)
  • by calling SEB Bank at +372 665 5100 (24/7)
     

Yes. You can order a card for yourself in the Internet Bank on the page "Cards" → "New card". We send the cards both by post and to the Omniva parcel machine. We can send the card to your residential address, office address or elsewhere in Estonia or abroad, wherever you usually stay or prefer to receive the card at. Sending by ordinary mail in Estonia is free. There is a fee for sending the card to the parcel machine. For minors and owners of the Youth Plan, sending to parcel machines is free of charge. For owners of the Youth Plan, sending cards both via regular mail and to parcel machines is free of charge.

You can view your card’s PIN code in the Internet Bank section "Cards" → "My cards" → "View PIN code".

Yes. You can change the PIN code by using an ATM of SEB.

First you need to activate the card. You can do it either in mobile app or the Internet Bank:

  • in the mobile app (“Cards” → “Card”)
  • in the Internet Bank (“Cards” → “My cards” → “Activate the card”)

A maximum daily limit for cash withdrawal at an ATM by a debit card is 3500 euros.

You can change cash withdrawal limits:

  • in the mobile app (“Cards” → “Settings and limits”)
  • in the Internet Bank (“Cards” → “My cards” → “Change data”)

Currently, it is only possible to buy a 1-hour ticket from the validator with a bank card, you cannot buy a discount ticket, nor can you prove the right to ride for free with a bank card. As the vast majority of ISIC card holders have either the right to discount tickets or even the right to ride for free, in order to avoid mistaken full ticket purchases, it is not possible to use ISIC bank cards issued in Estonia to purchase tickets from validators. However, these cards can still be used in the old way – to prove the right to ride, to deposit money onto the card used in public transport and to buy tickets with that money.

More information about credit cards

Private individual

1. Credit card with fixed payment
activating the card (incl. replacement, additional, prolonged card) at a bank office or through the customer support (1) EUR 5
activating the card (incl. replacement, additional, prolonged card) in the Internet Bank, the mobile app, or at an ATM (4) free of charge
monthly fee free of charge
2. Picture card with fixed payment
activating the card (incl. replacement, additional, prolonged card) at a bank office or through the customer support (1) EUR 5
activating the card (incl. replacement, additional, prolonged card) in the Internet Bank, the mobile app, or at an ATM (4) free of charge
monthly fee free of charge
3. Mastercard credit card
activating the card (incl. replacement, additional, prolonged card) at a bank office or through the customer support (1) EUR 5
activating the card (incl. replacement, additional, prolonged card) in the Internet Bank, the mobile app, or at an ATM (4) free of charge
monthly fee (5) EUR 1.60
4. Picture card credit card (2)
activating the card (incl. replacement, additional, prolonged card) at a bank office or through the customer support (1) EUR 5
activating the card (incl. replacement, additional, prolonged card) in the Internet Bank, the mobile app, or at an ATM free of charge
monthly fee (5) EUR 1,60
5. MC Gold and Premium credit card
activating the card (incl. replacement, additional, prolonged card) at a bank office or through the customer support (1) EUR 5
activating the card (incl. replacement, additional, prolonged card) in the Internet Bank, the mobile app, or at an ATM free of charge
monthly fee EUR 7,50
6. Mastercard Platinum credit card (2)
activating the card (incl. additional, prolonged card) at a bank office or through the customer support (1) EUR 25
activating the card (incl. additional, prolonged card) in the Internet Bank, the mobile app, or at an ATM free of charge
monthly fee EUR 10
7. Mastercard World Elite credit card (3)
activating the card (incl. additional, replacement, prolonged card) at a bank office or through the customer support (1) EUR 30
activating the card (incl. additional, replacement, prolonged card) in the Internet Bank, the mobile app, or at an ATM free of charge
monthly fee EUR 30

Legal entity

1. Mastercard Business credit card
activating the card (incl. additional, prolonged card) at a bank office or through the customer support (1) EUR 5
activating the card (incl. additional, prolonged card) in the Internet Bank, the mobile app, or at an ATM EUR 2
issuance of a replacement card EUR 5
monthly fee EUR 3
2. Mastercard credit card-Picture card (2)
activating the card (incl. additional, prolonged card) at a bank office or through the customer support (1) EUR 5
activating the card (incl. additional, prolonged card) in the Internet Bank, the mobile app, or at an ATM EUR 3,50
issuance of a replacement card EUR 5
monthly fee EUR 3
3. Mastercard Gold and Premium credit card (2)
activating the card (incl. additional, prolonged card) at a bank office or through the customer support (1) EUR 5
activating the card (incl. additional, prolonged card) in the Internet Bank, the mobile app, or at an ATM EUR 3,50
issuance of a replacement card EUR 5
monthly fee EUR 7
4. Mastercard Platinum credit card (2)
activating the card (incl. additional, prolonged card) at a bank office or through the customer support (1) EUR 25
activating the card (incl. additional, prolonged card) in the Internet Bank, the mobile app, or at an ATM EUR 20
issuance of a replacement card EUR 10
monthly fee EUR 12

(1) A card ordered to a bank office always activated by an employee of the bank office when the card is issued.
(2) It is not possible to order new cards starting from 16.04.2024.
(3) The fees applicable to SEB Private Banking client agreement owner are specified in the Private Banking section of the price list.
(4) Replacement cards cannot be activated in ATMs.
(5) The monthly fee does not apply to clients aged 18 to 25 years (incl.).

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 credit card, Picture card)
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
lowering the credit limit free of charge
increasing the credit limit EUR 10
permanent change of monthly limit  
  at a bank office 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 to a legal entity(1) 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 at a bank office
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. Payment at a service enterprise (fee for transaction in foreign currency will be added) free of charge
12. Cash deposit in SEB Estonia ATM’s (2)
up to EUR 4000 in a calendar month per client (holder of account(s)) with credit and/or debit card free of charge
if the amount exceeds EUR 4000 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 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 (3)
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 EUR 5
18. Contractual penalty for use of blocked card, breach of limit or amounts not paid in time EUR 65
19. Duplicate of POS receipt
domestic transaction EUR 4
cross-border transaction EUR 8
20. Unjustified demand for refund
domestic transaction EUR 12
cross-border transaction EUR 16
21. Preparation of express bank cards EUR 40
22. Sending a card by
mail in Estonia free of charge
registered mail in Estonia EUR 5
mail outside Estonia EUR 10
parcel machine in Estonia EUR 3.20
23. Using Priority Pass service (4) EUR 30 per using
24. Using the Priority Pass service with a Mastercard World Elite or Mastercard Business credit card Mastercard World Elite: free of charge 12 times per calendar year; based on the price list established by the operator of the business lounge starting from the 13th time. 
Mastercard Business: based on the price list established by the operator of the business lounge.

(1) Starting from 11.10.2018, it is not possible to order regular account statements by e-mail.
(2) Maximum cash deposit limit per private person (holder of account(s)) in a month EUR 10,000, per business customer (holder of account(s)) EUR 15,000 a month.
(3) All claims for Card Operations executed in a foreign currency are received by the Bank from international card organisations (Mastercard), converted into euros according to their determined exchange rates.
(4) The price is valid for the use of the Priority Pass service with the Priority Pass card specifically issued for this purpose.

  • Purchase insurance
  • Premium travel insurance
  • Fast Track security check at international airports
  • Flight Delay Pass - lounge access in case of flight delay
  • Priority service at bank offices
  • 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 credit card agreement

Annual percentage rate as a typical example

The annual percentage rate of charge of a Premium credit card is 9.01% under the following sample conditions:

  • a credit limit of 1,200 euros, which is immediately used in full each month and repaid as a single payment in the following month;
  • card activation (issue) fee 5 euros;
  • monthly maintenance fee 7.50 euros;
  • monthly fee of the current account 0.30 euros.

The amount of repayments by the client is 1,200 euros and the total amount is 1,298.60 euros.

To apply for the card 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

Checklist for the applicant of credit card

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.

Credit card agreement involves also the following fixed costs:

  • monthly fee of current account (price list);
  • 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.

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.ttja.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 www.ec.europa.eu

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