Credit Cards
Online application — convenient payment method for everyday use
A credit card allows you to make purchases within the credit limit and enjoy an interest-free period.
Parim pakkumine "Credit Cards"
Meie eksperdid analüüsivad iga päev turgu ja valivad TOP 3 pakkumist parimate tingimustega spetsiaalselt teile.
Parim pakkumine "Credit Cards"
Meie eksperdid analüüsivad iga päev turgu ja valivad TOP 3 pakkumist parimate tingimustega spetsiaalselt teile.
Võrdle "Credit Cards" pakkumisi
Kasuta meie nutikat sorteerimistööriista — filtreeri summa, perioodi ja intressimäära järgi ning leia ideaalne pakkumine.
Võrdle "Credit Cards" pakkumisi
Kasuta meie nutikat sorteerimistööriista — filtreeri summa, perioodi ja intressimäära järgi ning leia ideaalne pakkumine.
Võrdle pakkumisiAI leiab parima variandi
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AI leiab parima variandi
Täida avaldus — meie süsteem koos AI ja spetsialistidega leiab variandi kõrgeima kinnitamise tõenäosusega sinu profiili järgi.
Täida avaldusWhat is a credit card?
A credit card is a bank card that allows you to make purchases and transfers within a credit limit set by the bank. Unlike a debit card, you are spending the bank's money rather than your own. The spent amount must be repaid according to the agreed terms.
The key advantage of a credit card is the interest-free period: if you pay the full monthly balance by the due date, you incur no interest charges at all. In Estonia, credit cards are offered by major banks such as Swedbank, SEB, LHV, and Coop, as well as by some credit companies.
Credit card terms in Estonia 2026
- Credit limit: 300 – 10,000 € (depends on the bank and income)
- Interest-free period: up to 30 – 45 days
- Interest rate: 12 – 25% per year (applies after the interest-free period)
- Monthly fee: 0 – 2 € (depends on the bank and card type)
- Contactless payment: NFC, Apple Pay, Google Pay
- Bonuses: cashback, purchase insurance, travel insurance (depending on the bank)
An important rule: the cash withdrawal limit should not exceed two months of your net income. Cash withdrawals typically carry a higher interest rate and do not benefit from the interest-free period.
How to choose the right credit card
When selecting a credit card, consider your spending habits:
- Everyday purchases: choose a card with the longest interest-free period and a cashback program
- Travelling: look for a card that includes travel insurance and has no currency exchange fees
- Larger purchases: consider a card with a higher limit and flexible installment options
- Minimal costs: prefer a card with no annual fee and a low interest rate
Do not choose a card solely based on bonuses — a higher interest rate and hidden fees can outweigh any rewards you might earn.
Advantages and disadvantages of credit cards
Advantages:
- Interest-free period on monthly purchases when paid in full by the due date
- Purchase insurance and fraud protection
- Cashback and bonus programs
- Convenient contactless payments accepted worldwide
Disadvantages:
- High interest if the balance is not paid in full by the due date (up to 25% per year)
- Cash withdrawals are expensive (interest applies immediately, no interest-free period)
- Temptation to overspend, as the credit limit may feel like free money
- Some cards carry hidden fees (annual fee, contract fee, currency exchange fee)
Tips for using a credit card wisely
Always pay your credit card balance in full and on time — this way, the credit card effectively becomes a free lending tool. If you only make the minimum payment, interest accumulates rapidly. Set a monthly spending limit for yourself and track your expenses through the mobile banking app. Avoid using your credit card for cash withdrawals except in genuine emergencies.
Content prepared by 123laen.ee specialists
Our team analyzes the Estonian credit market daily, verifies conditions and ensures data accuracy for every lender.
Editor
Andres Mets
Analyst team
123laen OÜ
Compare Loan Types
| Quick Loan | Credit Account | Credit Line | You are here Credit Card | Personal Loan | Refinancing | |
|---|---|---|---|---|---|---|
| Amount | 50–5 000 € | 100–5 000 € | 500–10 000 € | 200–5 000 € | 500–10 000 € | 500–30 000 € |
| Term | 1–36 mo. | 6–60 mo. | 6–60 mo. | Revolving | 6–72 mo. | 12–120 mo. |
| Interest | 0–45% | 0–25% | 5–25% | 15–25% | 5–20% | 4–15% |
| Speed | 15 min | 1–24h | 1–24h | 3–7 days | 1–3 days | 1–5 days |
| Collateral | No | No | No | No | No/Yes | No |
| Best for | Urgent needs | Flexible credit | Revolving limit | Daily purchases | Larger amount | Lower payments |
| View offers | View offers | View offers | View offers | View offers | View offers |
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Borrower requirements
Main conditions for getting a loan
Minimum age 18 years
Must be at least 18 years old, Estonian resident
Regular income of at least €600/month
Regular income must be verifiable
Estonian resident or residence permit holder
Estonian personal ID and bank account
No active debt obligations or payment defaults
Checked via the payment default register
Valid email address and phone number
Required for application verification
Important notice!
A loan affects your credit history. An unpaid loan can worsen your credit rating.
Late payments result in penalties and late fees.
Before taking out a loan, assess your financial situation and ability to repay.
Think before you borrow
Responsible lending
Borrowing is a serious financial decision that affects your life for a long time. Follow these recommendations to avoid financial stress and over-indebtedness.
Create a budget
Before taking a loan, create a detailed monthly budget. Calculate your income and all mandatory expenses — rent, utilities, food, transport. The loan payment must fit within your available funds.
Don't borrow on impulse
Impulsive decisions often lead to over-borrowing. Wait at least 48 hours before submitting an application. If the need still seems justified after waiting, only then proceed.
Compare offers
Don't choose the first offer. Compare terms from at least 3–5 lenders — interest, APR, fees and repayment schedule. Use our comparison table to find the best one.
Read the contract
Before signing, read the contract carefully. Pay attention to the interest rate, APR, penalties, early repayment terms and all fees.
Your borrower rights
Protected by law
Right of withdrawal
You have 14 calendar days to withdraw from the contract without giving a reason. Return the loan amount and accrued interest — the contract will be cancelled.
Early repayment
You have the right to repay the loan early in part or in full at any time. The lender may charge compensation of maximum 1% of the amount repaid.
SECCI standard information
Before signing the contract, the lender must provide you with a SECCI information sheet — it contains all loan terms in one document for an informed decision.
Dispute resolution
If a dispute arises with a lender, you have the right to contact the Consumer Protection Authority free of charge. You can also use out-of-court solutions.
Checklist: what to ask your loan advisor?
8 important questions before taking a loan