Credit cards VISA Classic, VISA Gold, VISA Platinum | Luminor
Provision of credit card (producing and maintenance)
Card account currencyEUR
Fee for production/ replacement of Card (in case of loss, theft, wear, damage or other defects)
- VISA Classic (along with travel insurance)EUR 4,00
- VISA Gold (along with PriorityPass card and travel insurance)EUR 10,00
- VISA Platinum (along with PriorityPass card and travel insurance)*Free of charge
Extra fee for the urgent production / replacement of Card**EUR 25,00
Card delivery to the Service places***EUR 10,00
Card delivery per mail
- Within LatviaFree of charge
- AbroadEUR 10,00
PIN code reminderEUR 1,00
Monthly fee for Card service****
- VISA Classic EUR 2,00
- VISA Gold EUR 5,50
- VISA PlatinumEUR 20,00
- VISA Platinum additional cardEUR 10,00

* New Visa Platinum credit cards are not issued from 12.12.2019
** If the Card is ordered on a banking day by 12.00, it shall be produced and supplied to Service places in Riga within 5 hours and to Service places outside Riga on the next banking day.
*** The fee is not applicable if the Customer pays the Fee for an urgent manufacturing of the Card
**** The monthly fee for the Card service is due starting from the next month after the month when the Card was made and shall be paid (for the previous month) on the date on which the Card was made.

Card transactions
Card account currencyEUR
Cash withdrawal at ATMs in Latvia and abroad*2.0% of the transaction amount, min. EUR 3.50
One's own Account crediting through an ATM of Luminor (Latvia) by Card ( also in case several Cards are used for the account crediting):
- below EUR 5 000.00 in a calendar monthFree of charge
- above EUR 5 000.00 in a calendar month0.2% of the transaction amount exceeding EUR 5000.00
Purchases within the borders of Latvia and abroad**Free of charge
Currency exchange mark-up***3,0%

* Cash withdrawal limit from ATMs:
- Daily limit: for VISA Classic, VISA Gold, VISA Platinum Cards EUR 5 000.00.
- Limit over 30-day period for VISA Classic, VISA Gold Card is EUR 20 000.00, VISA Platinum Cards EUR 30 000.00.
- Cash withdrawal limit from ATMs equipped only with magnetic stripe reading technology EUR 350.00 a day.
- If Card account currency is not euro, cash withdrawal limits from ATMs specified in this section are converted into the Card account currency according to the euro reference exchange rate published by the European Central Bank at the beginning of each relevant period in compliance with the regulations for application of this exchange rate set in the General Regulations on Transactions of the Bank.
- Fee for cash withdrawal in ATM by using VISA Classic Cards, ordered before 01.02.2016, during transition period until 31.01.2017, is equal to the Fee for cash withdrawal in ATM with VISA Debit Card.
** Purchase limit - EUR 5,000.00 a day.
*** Currency exchange mark-up is added to the currency exchange rate (reference exchange rate) applicable to the transaction executed with the Payment card , if the transaction currency differs from the Card account currency.

Information on card transactions
Card account currencyEUR
SMS infoEUR 0.09 per SMS text
Information on Account balance demands at ATMs
- in ATMs of Luminor (Latvia)Free of charge
- in ATMs of other banks (if service is available)EUR 0.50

Credit line
Card account currencyEUR
Annual interest rate on loan:
- Visa Classic, Visa Gold18%
- Visa Platinum14%
Loan maturityUpon expiry of the Card

This rate is informative.

Other services
Fee for 1 person's visit to the airport business area ("Priority Pass" program) Visa Gold, Visa PlatinumEUR 30,00 incl. VAT
Interest on unauthorized debit balance36% p.a.
Changing card standard cash-out or purchase limits in physical or remote customer service centresEUR 10.00
Fee for processing of an unsubstantiated claim if the cardholder has provided false information to the Bank that is endorsed by a third party; or a request from a trader of a transaction approval documentEUR 15.00
Closed Card account maintenance (first to be charged one year after the customer’s written notice on the Card closure)EUR 40,00 p.a.