Credit Cards application

Credit card insurance conditions and fees have been changed from Find out more.

Prepare for a trip – get a credit car to benefit during your vacation

Those who order a Classic or Gold credit card before 9 July this year will be charged no card issuance fee and will have a 50% discount on card service for 1 year.

A credit card is a perfect companion, no matter where you go:

  • you will be able to pay by credit card in most countries of the world;
  • purchases’ insurance will cover most of the credit card purchases;
  • travel insurance will cover all family members travelling together.

Fixed Payment

  • Repayment of limit as monthly payments.
  • 180-day purchases insurance is valid for most items purchased with credit card payment or by transfer from a credit card account.
  • Lower taxes than other credit cards.
  • Contactless payment.
Fill in application

Standard credit card

  • 25-day interest-free period.
  • 180-day purchases insurance is valid for most items purchased with credit card payment or by transfer from a credit card account
  • Basic travel insurance for the cardholder and his family.
  • Contactless payment.
Fill in application

Gold credit card

  • Extensive travel insurance package for the cardholder and his family.
  • 180-day purchases insurance is valid for most items purchased with credit card payment or by transfer from a credit card account.
  • 30-day interest-free period.
  • Flexible repayment method.
  • Contactless payment with "Mastercard" credit card
Fill in application
New

New VISA Platinum

  • Priority Pass card provides the opportunity to visit VIP lounges at many airports around the world, and by selecting an additional package of services, for an annual fee you can visit the waiting rooms indefinitely without additional payment!
  • The best travel insurance of Swedbank for the whole family.
  • 50-day interest-free period.
  • Possibility of automatic credit repayment.
  • 180-day purchases insurance is valid for most items purchased with credit card payment or by transfer from a credit card account.
Fill in application
Kortelės tipas Privalumai

Individual design Credit cards

  • 25-day interest-free period.
  • 180-day purchases insurance is valid for most items purchased with credit card payment or by transfer from a credit card account
  • Basic travel insurance for the cardholder and his family.

Conditions of travel insurance.

New cards are not issued and are not changeable. If a VISA Classic individual credit card is lost or damaged, a classic Mastercard credit card will be issued.

VISA Platinum and Mastercard Platinum Credit cards

  • 35-day interest-free period.
  • 180-day purchases insurance is valid for most items purchased with credit card payment or by transfer from a credit card account
  • Travel insurance for the cardholder and his family.

Conditions of travel insurance.

From 2017 04 06 new cards are no longer issued, but will be updated if it were lost or damaged. Instead these cards we recommend to purchase the New VISA Platinum with the updated conditions of insurance and additional Priority Pass opportunities.
Travel inssurance conditions

New VISA Platinum

Gold credit card

Standard credit card

Fill in applicartion Fill in applicartion Fill in applicartion
Medical assistance (cost) insurance 500 000 Eur 500 000 Eur 50 000 Eur
Accident insurance 20 000 Eur 10 000 Eur
Personal belongings inssurance 2 500 Eur 1 000 Eur
(excess 30 Eur)
Travel interruption inssurance
Route / schedule change 3 500 Eur 2 000 Eur
(excess 30 Eur)
Flight ticket change 150 Eur 150 Eur
Delay in departing flight (by over 4 hours) 500 Eur 150 Eur
Delay in departing flight (by over 24 hours) 500 Eur 300 Eur
Luggage delay by over 4 hours 1 000 Eur 300 Eur
Civil liability and legal aid insurance 20 000 Eur 10 000 Eur
(excess 30 Eur)
Rental car CASCO 40.000 Eur
(excess 250 Eur)
Travel expenses rule

Individual insurance for individual travel

Are you traveling with travel insurance that comes with your credit card? Check if the travel cover will be sufficient personally for you.

With Swedbank travel insurance you will be able to choose extra cover for personal belongings, travel interruptions or extreme sports. You can also obtain travel protection to cover your traveling companions: family members and friends.

Purchase insurance

New VISA Platinum

Gold credit card

Standard credit card

Fixed payment credit card

Fill in applicartion Fill in applicartion Fill in applicartion Fill in applicartion
Purchase insurance

When does purchase insurance apply?

  • The insurance applies to purchases in Lithuania and abroad as well as online.
  • The purchase must be paid for by card or by a transfer from the credit card account.
  • The insurance cover remains in effect 180 days from the date of payment to the seller.

Purchase insurance is a great service that is available to Swedbank credit card holders. The purchase insurance cover automatically applies to any items purchased for your personal use or for the needs of your family/home provided that you pay with your credit card. The insurance becomes effective immediately from the moment of collection of the item and remains in effect 180 days from the date of payment to the seller.


  • Types of purchases covered

    • Items intended for long-term use (at least 3 years);
    • Finished products prepared for use (e. g. insurance cover applies to ready-made curtains but does not apply to fabric for curtains);
    • Movable items;
    • Items acquired for your personal needs or for your family/home. The insurance does not apply to purchases related to a business or profession;
    • Items acquired by the cardholder for ownership and personal use (the insurance is terminated upon transfer of the item to another person);
    • Items purchased on Swedbank’s Fixed Payments, Classic, Gold, Platinum or Visa Private Banking (VIP Platinum) credit card or (new!) purchased by transferring money from the card‘s account.
  • Types of purchases not covered

    • Second-hand items except for product samples available at the sales outlet or exposition;
    • Road vehicles, water transport means and aircraft as well as their engines, equipment, parts and accessories (except bicycles, canoes, windsurfing boards, paddle boats, inflatable boats, and kites);
    • Purchases left in an unlocked vehicle or left unattended in a public place;
    • Parts of an immovable asset or items permanently attached to an immovable asset (such as floor coverings, ceramic tiles, air conditioners, heating batteries etc.);
    • Postal stamps and/or coins, antiquities and/or collections, works of art;
    • Items that have been reconstructed, repaired or restored during or after the purchase;
    • Purchases not fully paid for;
    • Rented items or items purchased on leasing basis;
    • Plants and animals;
    • Contraband goods and other illegally acquired goods.
  • Purchase insurance cover

    Purchase insurance cover
    Total annual sum insured EUR 4,000
    Maximum amount payable per insured event EUR 2,000
    Maximum amount payable per purchase EUR 1,000

    Maximum amount payable per insured event for the following purchases:

    • Computer, parts thereof and external equipment*;
    • Mobile phones;
    • Glasses (prescription glasses and sunglasses);
    • Watches;
    • Unique items, jewellery (including precious stones, non-ferrous precious metals and pearls);
    • Fur articles.
    EUR 400
    Unconditional deductible (to be deducted from the damages in case of each insured event) EUR 30
    * Includes any computer components, parts, external equipment and software that cannot operate without a computer (e. g. desktop computers, monitors, keyboards, mouses, software, printers and other computer components).
  • How does purchase insurance work?

    If an item insured was stolen or taken from you by force, was destroyed in a fire etc.,

    • you have to report the event to the police or another law enforcement body immediately. Obtain a document evidencing the event and your loss.

    If the insured item was damaged, broken etc.

    • Take a photograph of the item (the damage has to be clearly seen in the photo);
    • Retain the damaged item.

    Report the event to the insurance company

    • Contact Swedbank within 10 calendar days – call 1884 or visit the bank's branch;
    • Register the event and make sure that you have all the requisite documents.

    Collect the requisite documents

    • You need to have the purchase receipt and the credit card payment receipt. Otherwise you have to obtain a credit card account statement showing the payment for the insured item – either through the online banking system or in Swedbank‘s branch;
    • Obtain other requisite documents if necessary;
    • Complete the Damage Report Form.

    Submit the documents to the insurance company within 30 days at your convenience

    • Electronically – send the electronic documents (scanned or completed files, photographs) to email address zalos@swedbank.lt;
    • By registered post to the address of the insurance company;
    • Deliver the documents to Swedbank‘s branch by hand.

    Payment of insurance indemnity

    • The insurance company‘s representative will inform you about the decision on indemnity by phone or in writing.
    • The insurance indemnity will be paid within 30 days from the date of receipt of all the requisite documents.
Fees

New VISA Platinum

Gold credit card

Standard credit card

Fixed payment credit card

Fill in applicartion Fill in applicartion Fill in applicartion Fill in applicartion
Card issuance
in branch EUR 12 EUR 5 EUR 3 EUR 3
by post in Lithuania
Recomended
EUR 10 EUR 3 EUR 2 EUR 2
Administrating fee 12 EUR/mo 3,47 EUR/mo 1,44 EUR/mo 0 EUR/mo
Credit limit conditions
Interest rate From 12% From 17% From 17% From 19%
Interest free period Up to 50 days 30 days 25 days
Min. credit limit EUR 2000 EUR 600 EUR 300 EUR 300
Credit repayment option Flexible, automatic Flexible Flexible Automatic, monthly payments
Automatic limit repayment
  • Possibility to use e.points

    100% discount for Golden credit card issuing fee or card delivery by post in Lithuania fee 1100 e. points
    A 100% discount for one month on the Gold credit card service fee 1100 e. points
    100% discount for Golden credit card issuing fee or card delivery by post in Lithuania fee as well as for maintenance fee for the period of 3 months 3300 e. points
    100% discount for Classic credit card issuing fee or card delivery by post in Lithuania fee 700 e. points
    A 100% discount for one month on the Classic credit card service fee 340 e. points
    100% discount for Classic credit card issuing fee or card delivery by post in Lithuania fee as well as for maintenance fee for the period of 3 months 1020 e. points
Please note that your e. points are valid until 31 August 2017.

Travel insurance service is provided by Swedbank P&C Insurance, AS, Lithuanian branch.

Please note, that by the use of financial services you assume financial obligations. Improper execution of financial obligations may adversely affect your credit history and raise the cost of borrowing, and it can also cause initiation of enforced recovery.

Example of a standard annual percentage rate calculation: granted credit limit – 1500 EUR, when credit agreement period is 42 months, monthly amount of the principal of 375 EUR is paid (in case of fixed payment credit card, the following is applicable: credit agreement period of 36 months, credit repayment period of 24 months, monthly amount of the principal of 75 EUR), also fixed annual credit interest rate of 19% is applied, monthly minimum daily banking fee for private persons as established by the Bank is paid, monthly bank account administration fee and one-time card issuing fee is paid, then, the total consumer credit annual percentage rate would be:

  • Fixed payment credit card - 21.7 %, and the total amount paid by the consumer loan receiver would be EUR 1842.
  • Standard credit card – 23 %, and the total amount paid by the consumer loan receiver would be EUR 2552.
  • Gold credit card – 24.9%, and the total amount paid by the consumer loan receiver would be EUR 2627.
  • New VISA Platinum credit card – 33.4%, and the total amount paid by the consumer loan receiver would be EUR 2946.

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