X Infinite

X Infinite

Private banking services and Concierge service

X hero

X hero

Credit limit up to 5000 EUR, travel and purchase insurance

X Platinum

X Platinum

Credit limit up to 7000 EUR, travel insurance for the whole family
No monthly fee and other benefits

No monthly fee and other benefits

  • Apply for X hero and get first 6 months free of charge*
  • Actively pay for purchases with your X hero card on daily basis and get a discount on your basic card monthly fee
  • Credit limit from 200 EUR to 5000 EUR with an interest-free period of up to 45 days
  • The minimum loan repayment amount is 5% per month!
Travel and purchase insurance

Travel and purchase insurance

  • Traveling abroad and in Estonia, you are insured up to an amount of 75,000 euros
  • All purchases made with X hero are insured for 120 days from the date of purchase in the amount of up to 10,000 euros
  • In addition to the usual insured risks, insurance on the price change of the purchased goods is also included.
Enjoy discounts all over Baltics

Enjoy discounts all over Baltics

  • Get discounts at merchant stores across Estonia, Latvia and Lithuania
  • Use special offers for shopping, travel, visiting restaurants and entertainment every month
Get points and prizes

Get points and prizes

  • Pay with your X hero and earn points for purchases (1 euro = 1 point)
  • Register with X REWARDS and exchange accumulated points for valuable prizes from a wide range of prizes - gift cards, spa and leisure activities, various electrical goods and services
No monthly fee and other benefits

No monthly fee and other benefits

  • Apply for X Platinum and get first 6 months of card usage free of charge*
  • Actively pay for purchases with your X Platinum card on daily basis and get a discount on your basic card monthly fee
  • Travel with comfort using Priority Pass card, which provides access to over 1,300 VIP airport lounges
Credit limit conditions

Credit limit conditions

  • Credit limit from 500 EUR to 7000 EUR with an interest-free period of up to 45 days
  • The minimum credit limit repayment amount is 5% per month!
Travel and purchase insurance

Travel and purchase insurance

  • You and your family are insured while traveling abroad and in Estonia up to amount of 200,000 euros
  • All purchases made with X Platinum are insured for 120 days from the date of purchase in the amount of up to 20,000 euros
  • In addition to the usual insured risks, the following risks are also included: cancellation or interruption of trip, covered deductible under car rental contract, extended warranty on electrical appliances, insurance of changes in the price of goods purchased
Enjoy discounts all over Baltics

Enjoy discounts all over Baltics

  • Get discounts at merchant stores across Estonia, Latvia and Lithuania
  • Use special offers for shopping, travel, visiting restaurants and entertainment every month
Get points and prizes

Get points and prizes

  • Pay with your X Platinum card and earn points (1 euro = 1 point) for purchases
  • Register with X REWARDS and exchange accumulated points for valuable prizes from a wide range of prizes - gift cards, spa and leisure activities, various electrical goods and services
Your lifestyle

Your lifestyle

  • The standard of “one phone call” - call your personal banker and you will receive a prompt response to any question you are interested in regarding banking services
  • Personal banker services - an individual approach based on your needs, aspirations and wishes
  • Concierge Service - personal secretary services are available to you completely free of charge
Insurance for travel and purchases

Insurance for travel and purchases

  • Travel insurance for a card user and his family members abroad and in Estonia with an insurance amount of up to 250,000 EUR
  • Insurance of purchases within 120 days from the moment of their purchase with the amount of insurance up to 40,000 EUR
  • Included are new insured risks: cancellation and interruption of travel, covered deductible under car rental contract, extended warranty on electrical goods, price risk insurance
Travel benefits

Travel benefits

  • Travel comfortably using the Priority Pass card, which provides access to over 1,300 VIP airport lounges
  • Take advantage of free internet overseas using Boingo Wi-Fi, in over one million connection points in 100 countries
Enjoy discounts all over Baltics

Enjoy discounts all over Baltics

  • Get discounts at merchant stores across Estonia, Latvia and Lithuania
  • Use special offers for shopping, travel, visiting restaurants and entertainment every month
Get points and prizes

Get points and prizes

  • Pay with your X Infinite card and earn points for purchases (1 euro = 1 point)
  • Register with X REWARDS and exchange accumulated points for valuable prizes from a wide range of prizes - gift cards, spa and leisure activities, various electrical goods and services

X Infinite

X Infinite

Private banking services and Concierge service

X hero

X hero

Credit limit up to 5000 EUR, travel and purchase insurance

X Platinum

X Platinum

Credit limit up to 7000 EUR, travel insurance for the whole family

* 100% discount on the fee for the primary card for the first 6 (six) months, starting from the 1st day of the next month after the date of issuing the primary card. The offer applies only to applications for the X hero and X Platinum card.

** Assuming that X hero credit limit is 1500 EUR and annual interest rate is 18%, the annual percentage rate of charge (APRC) is 21.93%. Assuming that X Platinum credit limit is 2500 EUR and annual interest rate is 16%, the annual percentage rate of charge (APRC) is 22.37%. Assuming that X Infinite credit limit is 5000 EUR and annual interest rate is 14%, the annual percentage rate of charge (APRC) is 32,49%.