Golden credit card
"MasterCard Gold", "Visa Gold"
Prestigious card for attractive price recognized all over the world. It is convenient and useful to make settlements with the Gold Card both in Lithuania and during frequent travels.
- Attractive credit conditions: grace period of 30 days and revolving credit.
- Wide package of travel insurance for the benefit of the cardholder and family members travelling together.
- Purchases' insurance additionally protecting your purchases against loss or damage.
Supplemented travel insurance package protects against most frequent losses characteristic of travels: insurance of medical costs, accidents, civil liability and legal expenses, baggage and travel delay. Your travel will be undisturbed and safe.
| Travel insurance cover package | Benefits, EUR |
|---|---|
| Medical costs and repatriation insurance | 65 000 |
| Accident insurance | 15 000 |
| Civil liability and legal costs insurance | 100 000 |
| Baggage and travel delay insurance | EUR 40 / hr Maximum amount EUR 500 |
Read more about Travel Insurance
Purchase Protection automatically insures all items purchased for your personal use, family or home needs, if you settle for them using the gold credit card. Insurance is valid for 90 days of settlement for the purchase. Read more about Purchase Protection
Large Credit facilitates smooth settlement for daily and larger purchases. Paying for purchases from credit funds you will be granted a grace period of 30 days during which you will not be charged any interest. During card validity period you will be able to make repayments at any time convenient to you - no mandatory repayments of the principal. You will have to make only regular payments of accrued interest which will be automatically debited from other bank account designated by you. Read more about advantages of the credit
Enjoy smooth settlements all over the world in places carrying the logo of "MasterCard" or "Visa (depending upon the card you hold). Having registered in the "Secure internet payment" programme you will be offered secure e-shopping possibility. Furthermore, you will be able to book travel tickets, make hotel reservations and rent cars.
Main rates and conditions
| Card issuing | 10 Lt |
| Card handling fee | LTL 10.05 per month |
| Credit limit | Net income of up to 4 months1 |
| Annual credit interest rate | From 16%1 |
| Grace period | 30 days |
| Credit repayment method | Revolving credit2 |
| Required additional bank account with the Bank (to debit the fees) | Yes |
| Quarterly bank account fee3 | LTL 3 |
1
Established on individual basis
2
During card validity period the credit can be repaid at any selected time and
in selected amounts.
3 The fee is not charged if
bank account is linked with debit card (the
card should be valid for the whole chargeable quarter).
| Annual percentage rate of charge | 20.8 % |
| Total cost of credit to the consumer | LTL 8 278.73 |
The annual percentage rate of charge and total cost of credit to the consumer are calculated applying the following credit conditions: granted credit limit - LTL 5 000, agreement period - 42 months, credit maturity - 4 months., applicable fixed annual credit interest rate - 14%, monthly amount of the principal - LTL 1 250. The annual percentage rate of charge and total cost of credit to the consumer are calculated in consideration of the following expenses - credit card issuing fee, credit card handling fee, monthly Security Programme fee of LTL 1.95 and bank account handling fee. The calculations are made relying on assumptions normally applied by the Bank to this service. For the purpose of obtaining the credit limit it is necessary to conclude the bank account agreement with the Bank and to open and hold an account with the Bank throughout the entire agreement period.
Read more about the card's rates and their application conditions.
