X cards

For private individuals

X hero1

Fee for card (per annum) 80 EUR
Fee for supplementary card (per annum) 80 EUR
New card issue (instead of existing) Free of charge
Fee for goods and services purchase 0.5 % (min EUR 0.15)  
Cash withdrawal in Citadele Bank 3 % (min. 5 EUR)
Cash withdrawal in the ATM network of Citadele and Šiaulių bankas and
AS Citadele Bank ATMs  in Latvia
3 % (min. 5 EUR)
Cash withdrawal in ATMs of other banks 3 % (min.. 5 EUR)
Cash withdrawal at Perlas terminals. Service is provided by "Perlas finance" 3 % (min. 5 EUR)  
Cash in in ATM & Perlas terminals. Service is provided by "Perlas finance" Free of charge
Credit limit amount Not available
Minimum instalment 5 % of the used credit limit amount
+ 100% of excess expenditure
Credit interest (per annum) 19 %
Interest for unauthorised negative balance (per day) 19 %
Late payment (per day) 0.05 %
Payment from account As from current account
Annual fee for Priority Pass Not offered
Fee for 1 person’s visit at Priority Pass VIP lounge at the airport2 Not offered
Fast track visit in VNO airport Not avaliable
Concierge service Not offered
Currency exchange mark-up fee 2.75 %

Valid from 1st of November, 2019.

 

 

X Platinum

Fee for card (per annum) 200 EUR
Fee for supplementary card (per annum) 200 EUR
New card issue (instead of existing) Free of charge
Fee for goods and services purchase 0.5% (min 0.15 EUR)  
Cash withdrawal in Citadele Bank 3 % (min. 5 EUR)
Cash withdrawal in the ATM network of Citadele and Šiaulių bankas and
AS Citadele Bank ATMs  in Latvia
3 % (min. 5 EUR)
Cash withdrawal in ATMs of other banks 3 % (min.. 5 EUR)
Cash withdrawal at Perlas terminals. Service is provided by "Perlas finance" 3 % (min. 5 EUR)  
Cash in in ATM & Perlas terminals. Service is provided by "Perlas finance" Free of charge
Credit limit amount Not available
Minimum instalment 5 % of the used credit limit amount
+ 100% of excess expenditure
Credit interest (per annum) 18 %
Interest for unauthorised negative balance (per day) 18 %
Late payment (per day) 0.05 %
Payment from account As from current account
Annual fee for Priority Pass Free of charge
Fee for 1 person’s visit at Priority Pass VIP lounge at the airport2 30 EUR
Fast track visit in VNO airport Not avaliable
Concierge service 150 EUR per annum
Currency exchange mark-up fee 2.75 %

Valid from 1st of November, 2019.

 

 

X Infinite

Fee for card (per annum) 500 EUR
Fee for supplementary card (per annum) 250 EUR
New card issue (instead of existing) Free of charge
Fee for goods and services purchase 0.5 % (min 0.15 EUR)
Cash withdrawal in Citadele Bank 3 % (min. 5 EUR)
Cash withdrawal in the ATM network of Citadele and Šiaulių bankas and
AS Citadele Bank ATMs  in Latvia
3 % (min. 5 EUR)
Cash withdrawal in ATMs of other banks 3 % (min.. 5 EUR)
Cash withdrawal at Perlas terminals. Service is provided by "Perlas finance" 3 % (min. 5 EUR)
Cash in in ATM & Perlas terminals. Service is provided by "Perlas finance" Free of charge
Credit limit amount Not available
Minimum instalment 5 % of the used credit limit amount
+ 100% of excess expenditure
Credit interest (per annum) 17 %
Interest for unauthorised negative balance (per day) 17 %
Late payment (per day) 0.05 %
Payment from account As from current account
Annual fee for Priority Pass Free of charge
Fee for 1 person’s visit at Priority Pass VIP lounge at the airport2 30 EUR3
Fast track visit in VNO airport 4 EUR4
Concierge service Free of charge
Currency exchange mark-up fee 2.75 %

Valid from 1st of November, 2019.
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1Till 2019.09.01 product’s name was X card.

2Fee for visit set in EUR will be converted in card account’s currency according to Citadele Bank exchange rate for non-cash operations, for the day when mentioned fee will be booked into account.

3Within a calendar year, 5 (five)  visits to airport’s VIP lounge to card user are offered free of charge.

4Within a calendar year, 8 (eight) visits to card user are offered free of charge.

5Service fee is applied for each payment card (incl. supplementary card) / cardholder linked to Concierge Service.