*The credit limit spent during each calendar month must be repaid by the 15th date of the following month. In this case, no interest will be charged on the credit limit spent during the previous calendar month. If the used credit is not repaid in the above-mentioned period, an interest will be charged on the outstanding part of the credit limit starting from the 16th date according to the Pricelist
**Take up to € 600 per month from Luminor’s ATMs at Baltics + € 400 per month from any ATMs around the world
***family – card holder`s children (minors and full-time students up to the age of 24), spouse or cohabiting partner (if a joint household is at least 1 year) traveling together with the card holder
****Travel insurance in Latvia is valid if the stay takes place in a hotel and the travel destination is further than 50 km from the place of residence.
COVID-19 insurance is not valid in Latvia, Russia, Ukraine, Belarus 
*****The minimum credit limit is € 600. Black card is also available without credit limit