Gold revolving credit card

(1) The interest rate applicable to the main refinancing operations of the European Central Bank (the ECB interest rate). The ECB interest rate is published in the Ametlikud Teadaanded. The default interest rate may change twice a year (on January 1 and July 1) if the ECB interest rate has changed.

(2) When paying for goods or services with the private person’s Revolving credit card, the bank shall not calculate interest as from making the transaction with the respective card until the last day (incl.) of the same month, after the aforementioned period, the bank shall begin calculating interest. Upon making a payment and withdrawing cash from the limit account, the bank shall begin calculating Interest immediately, unless the amount of the aforementioned transactions remains within the positive balance of the limit account.

(3) When paying for goods or services with the private person’s Gold Revolving credit card, the bank shall not calculate interest as from making the transaction with the respective card until the 10th calendar day (incl.) of the following month, after the aforementioned period, the bank shall begin calculating interest. Upon making a payment and withdrawing cash from the limit account, the bank shall begin calculating interest immediately, unless the amount of the aforementioned transactions remains within the positive balance of the limit account.

(4) When paying for goods or services with the Visa Platinum Credit Card, the transaction amount is subject to an up to 40-day interest-free period (between the date of purchase and the payment date). Upon making a payment and withdrawing cash from the limit account, the bank shall begin calculating interest immediately, unless the amount of the aforementioned transactions remains within the positive balance of the limit account.

(5) If the period between ordering Visa Platinum extra package and expiry of Visa Platinum card is less than one year, the Bank will debit a fee for an extra package in full amount.

(6) If upon the renewal of a credit card on the basis of an application, the credit limit of the credit card is rounded by increasing or decreasing the credit limit up to 50 € (incl.), no fee for amending the credit limit shall be charged when increasing or decreasing the credit limit.

(7) The availability of the service in a foreign country depends on the foreign bank's ATM technical possibilities and service can be used with MasterCard/Maestro cards.

(8) If the ordered service is canceled, the bank will not refund the service fee.

(9) The price is inclusive of VAT at the rate of 20%.

(10) Added to the amount of every transaction made with the card if the card transaction is in a currency other than the euro.

(11) When paying for goods or services with a Business Credit Card, the transaction amount is subject to a 30day interest-free period, after which the calculation of interest starts. When withdrawing cash or making transfers from credit card limit account, the calculation of interest starts at once, unless the amount of the aforementioned transactions remains within the positive balance of the limit account.

(12) When paying for goods or services with a Business Gold Credit Card, the transaction amount is subject to a 40day interest-free period, after which the calculation of interest starts. When withdrawing cash or making transfers from credit card limit account, the calculation of interest starts at once, unless the amount of the aforementioned transactions remains within the positive balance of the limit account.

(13) A limit of 15,000 euros per month on cash deposited in ATMs will be applied to credit cards. The fee is charged on the amount that exceeds 5 000 € per calendar month and the cash is deposited in home bank’s terminal. The service fee is client-based on the basis of calculation is a calendar month.