https://www.citadele.lt/en/private/x-cards

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X cards

Does the X card suit you? Absolutely. Choose the best X card for your lifestyle!

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Choose the best card for you

I'm doing sports during travels
I need insurance for my family

Credit limit needed:

Monthly cash withdrawals:

Average monthly card purchases:

X PRIME

xprime

FREE

for the first 6 months, afterwards from 5 EUR / month

Apply for X prime

X SUPREME

xsupreme

FREE

for the first 3 months, afterwards 3 EUR / month

Apply for X supreme

X SMART

xsmart

1,99 EUR / month

 

Apply for X smart
Discount to monthly fee
  • No monthly fee for schoolchildren and students
  • Bring friends and use for free for up to 24 months.
1500 EUR per month
1250 EUR per month
750 EUR per month
Free online transfers and instant payments throughout Europe
from 700 EUR up to 15 000 EUR
from 300 EUR up to 5000 EUR
from 200 EUR up to 1500 EUR

Extended insurance for the whole family

  • medical expenses, including in case of COVID-19
  • luggage insurance
  • travel cancellation
  • high-risk sports
  • accidents
  • cancellation, suspension of travel

Basic insurance for you

  • medical expenses, including in case of COVID-19
  • accidents
-
  • Insurance against damage and theft for 180 days from the moment of purchase
  • insurance for non-delivery of goods
  • extended warranty on electronics: +1 year
  • Insurance against damage and theft for 180 days from the moment of purchase
-
For you and your family, when going on a ride together, and your bicycles and scooters all year round
For you and your family, when going on a ride together, and your bicycles and scooters all year round
-
1 EUR = 1 point
1 EUR = 1 point
2 EUR = 1 point*
With Priority Pass card
-
-

X PRIME

xprime

FREE

for the first 6 months, afterwards from 5 EUR / month

Apply for X prime

X SUPREME

xsupreme

FREE

for the first 3 months, afterwards 3 EUR / month

Apply for X supreme

X SMART

xsmart

1,99 EUR / month

 

Apply for X smart
xprime

X PRIME

FREE

xsupreme

X SUPREME

FREE

xsmart

X SMART

1,99 EUR / month

1500 EUR per month
from 700 EUR up to 15 000 EUR

Extended insurance for the whole family

  • medical expenses, including in case of COVID-19
  • luggage insurance
  • travel cancellation
  • high-risk sports
  • accidents
  • cancellation, suspension of travel
  • Insurance against damage and theft for 180 days from the moment of purchase
  • insurance for non-delivery of goods
  • extended warranty on electronics: +1 year
For you and your family, when going on a ride together, and your bicycles and scooters all year round
1 EUR = 1 point
With Priority Pass card
1250 EUR per month

from 300 EUR up to 5000 EUR

Basic insurance for you

  • medical expenses, including in case of COVID-19
  • accidents
  • Insurance against damage and theft for 180 days from the moment of purchase
For you and your family, when going on a ride together, and your bicycles and scooters all year round
1 EUR = 1 point
-
  • No monthly fee for schoolchildren and students
  • Bring friends and use for free for up to 24 months.
750 EUR per month
from 200 EUR up to 1500 EUR
-
-
-
-
2 EUR = 1 point*
-


* Only for customers aged 7-21.

X REWARDS prizes and discounts

Get even more from your card - X card rewards you for shopping!

  • When you sign up for the X REWARDS program (it’s free), you collect points for each purchase to get the prize of your choice.
  • Exchange points for free coffee, cinema ticket or restaurant meal, Wolt vouchers or other prizes from our shopping, gourmet and leisure offering.
  • Receive monthly special offers and benefit from discounts with our partners in shops, cafes and entertainment venues.
More on X REWARDS
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X card insurance

Travel and purchase insurance for more exciting everyday life - all included in the monthly fee of the card! Find out what benefits you can get straight away.


Learn more

Card with no monthly fee? Yes!


"Bring a friend" and enjoy the benefits of an X card (X smart, X supreme, X prime) without a monthly fee for up to 24 months! That's not all, every friend you invite will use the X card without a monthly fee for 6 months.


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Do you want to use the card more profitably? It's possible! Make everyday purchases actively with X prime and X supreme cards to receive a discount for the monthly fee of your main card.


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Apply for X card without visiting a branch

Apply remotely and become a Citadele customer today.

You will be able to use the online bank and digital services immediately.

You will receive your card by mail within 5 business days.

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For customers

Order your new X card in Citadele mobile app
or Online bank

Apply for a credit limit


A credit imit will give you flexibility in planning your finances and a sense of security when making larger purchases or when faced with unplanned expenses.

  • Credit limit up to 15 000 EUR for X prime card and up to 5000 EUR for X supreme
  • Fixed annual interest rate – X supreme 19 %, X prime 18 %.**
  • No fee for unused credit
  • Minimum credit repayment: just 5 % per month
  • Up to 45 days interest free
  • You can repay the credit you spend gradually, and pay at least 5 % of the amount spent by the 15th of every month. Interest will be calculated from the remaining balance

** Typical example: giving an X prime or X supreme card a credit limit of 1500 EUR for 36 months. For a period of 36 months with a fixed annual interest rate of 18 % for the X prime and 19 % for the X supreme, with a monthly fee of 5 EUR for the X prime and 3 EUR for the X supreme, the total annual rate of the cost of the consumer credit would be 27,43 % with the X prime card and 25,47 % with the X supreme, the total amount payable by the borrower would be 2132,28 EUR with X primeׅ card and 2132,28 EUR with the X supreme, and the monthly amount would be 54,23 EUR with the X prime card and 54,98 EUR with the X supreme.

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A credit imit will give you flexibility in planning your finances and a sense of security when making larger purchases or when faced with unplanned expenses.

  • Credit limit up to 1500 EUR
  • Fixed interest rate of 19 % per year***
  • No fee for unused credit
  • Minimum credit repayment: just 5 % per month
  • You can repay the credit you spend gradually, and pay at least 5 % of the amount spent by the 15th of every month. Interest will be calculated from the remaining balance

*** Typical example: if a credit limit of 1500 EUR is granted to an X smart card for a period of 36 months at a fixed annual interest rate of 19 %, with a monthly card fee of 1,99 EUR, the total annual interest rate on the cost of the consumer credit would be 23,9 %, the total amount to be paid by the borrower would be 2050,92 EUR, and the monthly repayment would be 54,98 EUR.

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Why choose an X card?


  • Change the PIN code for your payment card, wristband or ring even if you can't remember the old one.
  • Make SEPA and instant payments.
  • Block and unblock cards, and order new ones.
  • Apply for a consumer or car loan, as long as you have done a credit rating evaluation in the online bank or at a bank branch.
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  • Add your card and use Apple Pay, Google Pay, Fitbit Pay or Garmin Pay.
  • Use a payment bracelet or ring.
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  • Use the interactive assistant to find answers to most questions.
  • Message us in the mobile app chat
  • Contact us via online bank notifications or by email: info@citadele.lt.
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A card in your pocket in 5 days

Download the app and become a Citadele customer in 7 minutes

Already a customer? Order a new card through the online bank.

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Didn’t find the answer to your question?

Visit our interactive assistant and find the information you need

Interactive assistant
How do I activate my card using the Online bank?

To activate your card in the online bank: 

1. Go to "Accounts and Cards"

2. Select “Activate card” from the left-hand column. Activate by entering the final five digits of your card.

3. Confirm the activation with one of your authorisation tools: a code from your code card, a code from your code calculator or a MobileSCAN code.

Activate within 60 days of receiving your card.

If you have problems accessing the Internet bank see information here.

How do I activate my card in the Citadele app?

To activate your card in the Citadele mobile app:

1. Go to “Cards” and select your new card;

2. Enter the last 5 digits of the card number;

3. Confirm the activation using one of your authorisation devices: MobileSCAN PIN code, fingerprint, face recognition, or a code from your code card or code calculator. That’s all—you can start using your card.

Activate within 60 days of receiving your card.

Don't have the Citadel app yet? Take a look here.
If there is a problem accessing the app, see here.

What to do, if your card was stolen or is lost? 

If your Card is stolen or lost, block it in Citadele mobile app or contact the bank by calling +370 5 221 909. Citadele cards can also be blocked temporarily, which means that you will be able to unlock it if the card is found and hasn't been in the hands of other people.

Payments

To which countries free money transfers can be made?

You can make an unlimited number of free electronic transfers and payments in Euro from your X smart, X supreme, X prime account to any European Union bank account free within the Single Euro Payment Area (SEPA).

Can I make payments to other countries or in a different currency from my X card account?

Yes. Note that in accordance with the Price list a fee will be applied for the currency conversion.

Can I make instant payments from my X card bank account?

As Citadele supports Instant Payments, you will be able to make Instant Payments from your X smart, X supreme, X prime account to any bank which supports instant payments. The money is transferred within seconds.

What will be the monthly fee for the X prime card?

Card monthly fee for the granted credit limit:

  • 5 EUR for 0 - 5 000 EUR
  • 6 EUR for 5 001- 10 000 EUR
  • 7 EUR for 10 001- 15 000 EUR

How do I get a discount on the card's monthly fee?
Actively use X prime - pay with the card for goods in stores and online and do not pay the card's monthly fee. Spending 6 000 EUR within 6 months is 50 %. discount on the card's monthly fee. 25 % on spending of 4 500 EUR. discount

How to start to collect X REWARDS points when shopping?

Register for the X REWARDS programme and receive X REWARDS points on all purchases online and in stores worldwide (with X smart 2 EUR=1 point, X supreme, X prime 1 EUR = 1 point). Register through xrewards.lt, the Citadele app or online bank.

More questions
How do I activate my card using the Online bank?

To activate your card in the online bank: 

1. Go to "Accounts and Cards"

2. Select “Activate card” from the left-hand column. Activate by entering the final five digits of your card.

3. Confirm the activation with one of your authorisation tools: a code from your code card, a code from your code calculator or a MobileSCAN code.

Activate within 60 days of receiving your card.

If you have problems accessing the Internet bank see information here.

How do I activate my card in the Citadele app?

To activate your card in the Citadele mobile app:

1. Go to “Cards” and select your new card;

2. Enter the last 5 digits of the card number;

3. Confirm the activation using one of your authorisation devices: MobileSCAN PIN code, fingerprint, face recognition, or a code from your code card or code calculator. That’s all—you can start using your card.

Activate within 60 days of receiving your card.

Don't have the Citadel app yet? Take a look here.
If there is a problem accessing the app, see here.

What to do, if your card was stolen or is lost? 

If your Card is stolen or lost, block it in Citadele mobile app or contact the bank by calling +370 5 221 909. Citadele cards can also be blocked temporarily, which means that you will be able to unlock it if the card is found and hasn't been in the hands of other people.

Payments

To which countries free money transfers can be made?

You can make an unlimited number of free electronic transfers and payments in Euro from your X smart, X supreme, X prime account to any European Union bank account free within the Single Euro Payment Area (SEPA).

Can I make payments to other countries or in a different currency from my X card account?

Yes. Note that in accordance with the Price list a fee will be applied for the currency conversion.

Can I make instant payments from my X card bank account?

As Citadele supports Instant Payments, you will be able to make Instant Payments from your X smart, X supreme, X prime account to any bank which supports instant payments. The money is transferred within seconds.

What will be the monthly fee for the X prime card?

Card monthly fee for the granted credit limit:

  • 5 EUR for 0 - 5 000 EUR
  • 6 EUR for 5 001- 10 000 EUR
  • 7 EUR for 10 001- 15 000 EUR

How do I get a discount on the card's monthly fee?
Actively use X prime - pay with the card for goods in stores and online and do not pay the card's monthly fee. Spending 6 000 EUR within 6 months is 50 %. discount on the card's monthly fee. 25 % on spending of 4 500 EUR. discount

How to start to collect X REWARDS points when shopping?

Register for the X REWARDS programme and receive X REWARDS points on all purchases online and in stores worldwide (with X smart 2 EUR=1 point, X supreme, X prime 1 EUR = 1 point). Register through xrewards.lt, the Citadele app or online bank.

Other application methods

online banking

Online bank

If you are our customer, apply for your new X card through the online bank and receive within 5 business days

Apply
branch

Branch

Make an appointment by filling out the form

Find your nearest branch
online banking

Online bank

If you are our customer, apply for your new X card through the online bank and receive within 5 business days

Apply
branch

Branch

Make an appointment by filling out the form

Find your nearest branch

Even more opportunities

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Mortgage loan

Financing up to 85% for your house, apartment, construction or ambitious renovations.
Learn more
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Mobile app

Use the bank’s services at a time and place convenient to you. Confirm payments using your face or fingerprint.
Learn more
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Leasing

Financing of up to 100 % of the vehicle's value. Apply online and receive an answer within 1 business day.
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