Frequently Asked Questions

Take a look at the X REWARDS program!

What is the X REWARDS program?

The X REWARDS program is the customer program for X card users. Everywhere where you pay with your X card earn points for the purchases. The bigger the amount of the purchases paid for with the card, the more X REWARDS points can be earned. Points can be exchanged for different prizes: cinema tickets; gift vouchers of restaurants and spas; travel and other offers.

And even better- get discount if you pay with X card.

Don’t have an X card yet? – apply here.

How can I join the program?

If you already have an X card, then register in the Citadele Internet Bank, or access your X REWARDS account with Citadele Internet Bank login.

If you don’t have a X card yet, visit the website www.xkaart.ee and request one. You can join the X REWARDS program as soon as you’ve received your new card.

How do I earn points?

You will receive points for purchases all over the world, everywhere, where Visa card is accepted.*

You will receive 1 X REWARDS point for every two euros spent with the card, already with the first purchase (2 euros= 1 point). Simply use the X card to pay for your daily purchases and the points will accumulate on your X REWARDS account.

* Points are not calculated for purchases made at gambling places, incl. online casinos, or for money transactions (for example, acquisition of virtual currency, purchase of foreign currency, quasi cash, etc.)

How can I use the points?

The points are easy to use!

1. Go to the website www.xkaart.ee/en/prizes or the Citadele Internet Bank, open your X REWARDS account and select the prize you like.

2. Read about the conditions for receiving the prize.

3. Follow instructions at the checkout (add email address or choose prize pickup place).

4. And finally- approve your order!

You can use all of your points at once for a single prize or you can use them separately for several prizes.

How can I find out how many points I have?

You can check your points balance at any time by logging into your account using the Login button or in the Citadele Internet Bank.

Do the X REWARDS points have an expiry date?

No, there is no time limit on the use of the points. You can use the points during your entire participation in the program. However, if your card is closed or no purchases are made with the card within 12 month period, then your points will be deleted.

How quickly will the points appear on my X REWARDS account after I’ve made purchases?

The points will be transferred to your X REWARDS account within 24 hours after receipt of confirmation of a transaction made with the card.

Can the points be exchanged for cash?

No. Points can only be exchanged for the goods and services listed on the website of the X REWARDS program.

Where can I find information about used points?

Login into X REWARDS account and under the section “My account” you will be able to see Point purchase history. You will find what you have ordered and the order statuses.

Can I gift my points to someone else?

No. Points cannot be gifted to other people.

Are the points of the supplementary cardholder collected with the points of the main card?

No. Each (main or supplementary) card user is registered as a separate participant in the program. The points are collected in the name of the card holder. Points can be used by the card holder - the person on whose name card is registered.

How can I get prize unique code? I’ve not received one.

Please login into X REWARDS account, under the section “My account” you will find your order history, unique codes, and you will see email address or phone number what you have entered to receive code. Usually within few minutes automatic approval email is sent. If you still have questions, please, contact us at 77 00 000.

How points are collected if I have several X cards?

If you are using few cards what participates in X REWARDS program, and cards are on your name (you are the card holder), then points are accumulated on one X REWARDS account, for all cards together.

Why does the spent amount for a certain period doesn’t match to the number of earned X REWARDS points?

Points are accumulated for purchases – both in store and in web. Points are not calculated for purchases made at gambling places, incl. online casinos, or for money transactions (for example, acquisition of virtual currency, purchase of foreign currency, quasi cash, etc.), also for money transfer to other bank account or in operations in ATM’s. For every 2 full euros spent for purchases you will earn 1 X REWARDS point. The points are transferred to X REWARDS account within 24 hours after the receipt of confirmation of a transaction made with the debit card.

If I will close my card, will my X REWARDS points be deleted?

Yes. If you have no other X card, what participates in X REWARDS program, then all your accumulated points will be deleted.

Will I be able to use my points, if my card is blocked?

No, but when your card will be active again, you will be able to use your X REWARDS points.

How can I get discount with my X card?

Find out about all discount offers under the “Discounts” section - each offer has a description on how the discount is be applied. Visit partners’ store and before making the order inform personal that purchase will be made with an X card. Enjoy all benefits!