Golden Credit Card
Card name |
MasterCard Gold LVL |
| Credit review | free of charge |
| Card fee | |
| Card / additional card issuance fee | 2 LVL |
| Card / additional card renewal fee if card is collected at branch | 2 LVL |
| Card renewal fee if card is delivered by post * | free of charge |
| Renewed card delivery fee by post in Latvia | free of charge |
| Renewed card delivery fee by post outside Latvia | 3 LVL |
| Card / additional card replacement fee 1 | 2 LVL |
| Card / additional card monthly fee | 2,75 LVL / 1,90 LVL |
| Fee for accelerated production of card (in addition to issuance fee) 2 | 10 LVL |
| Card validity period | 3 years |
| Purchase protection 3 | free of charge |
| Travel insurance 4 | free of charge |
| Card purchase fee | |
| Latvia | free of charge |
| Abroad | free of charge |
| Charges for using credit | |
| The interest rate of the year of outstandings 5 | from 18 % |
| Fee for exceeding credit limit per day | 0,167 % |
| Fine for overdue interest on using credit limit per day | 0,167 % |
| Charges for ATM operations | |
| Charge for cash withdrawal via card in Swedbank Group ATMs in Latvia, Lithuania, Estonia, Sweden | 1% of amount |
| In AS SEB banka and AS DNB bank ATMs | 1% of amount |
| In ATMs of other banks | 1,50 LVL + 1,5% of amount |
| In other banks | 1,50 LVL + 1,5% of amount |
| Cash depositing through Swedbank Cash Deposit Machines | free of charge |
| Cash withdrawal at retail locations ** | |
| Fee for one cash-out transaction | 0,40 LVL |
| Fee for accessing account balance | |
| In Swedbank AS ATMs in Latvia | free of charge |
| In other banks' ATMs in Latvia and worldwide | 0,20 LVL |
| Fee for printing last 5 transactions in ATM | |
| ATMs of Swedbank AS in Latvia | 0,10 LVL |
| Other fees | |
| Fee for forwarding card to another branch | 3 LVL |
| PIN code change via Swedbank ATMs in Latvia | free of charge |
| Processing of claims | free of charge 6 |
| Fee for introducing changes to the credit card agreement except for payment date change and/or partial repayment | 5 LVL |
| Currency exchange fee 7 | 2% |
| Emergency cash assistance abroad in Western Union service locations in case the card is lost or blocked | 30 LVL |
| Fee for unblocking smart card PIN if PIN is entered incorrectly for 3 consecutive times while using POS terminal | free of charge |
| Card standard limits | |
| On purchases | 500 LVL |
| On cash withdrawals | 500 LVL |
| Depositing of cash via Cash Deposit Machines | 10 000 LVL |
Effective since 01.05.2013.
1 Also in cases when the card is lost, stolen, damaged, or produced to replace the existing card on the client's initiative.
2 Cards making and delivery within the 4 working hours to the branch "Kipsala" (Riga, Balasta dambis 1a) or in any other Swedbank branch upon tentative agreement about the time and place.
3 The customer has a free of charge purchase protection policy starting from 15.03.2012. Risks covered.
4 The customer has a free of charge purchase protection policy starting from 15.03.2012. Risks covered.
5 The interest rate is applied for every customer on individual basis and depends on the customer's credit history, amount of loan obligations, loyalty and transfers of regular income to their Swedbank account.
6 If an additional invoice copy needs to be ordered during the processing, fee will be charged according to the actual costs.
7 Fee applies, if transaction is made in a currency different from the card currency. MasterCard Currency Converter.
* To have the renewed card delivered by post, select that option at least one month before expiry date of the current card.
** The maximum amount of one transaction is LVL 52.71. Each cash withdrawal is executed as a separate transaction, i.e. this service is also available if no purchase is made in the retail shop in question. The service is available only from retailers who provide such a possibility at the time of the transaction. You can find more detailed information here
 
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