C cards

Life becomes easier and more comfortable with a C card in your pocket! The stylish payment card will be your trusted ally for daily payments, travels and shopping. Choose the right one for you and apply in a couple of minutes.

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:

C PRIME

cprime

FREE*

for the first 3 months, afterwards from 6,99 EUR / month

Apply for C prime

C SUPREME

csupreme

FREE

for the first 2 months, afterwards 3,99 EUR / month

Apply for C supreme

C SMART

csmart

1,99 EUR / month

 

Apply for C smart
Discount to monthly fee
• Spend 6000 EUR within 6 months and use your card with discount
Bring friends and use for free
• Spend 3000 EUR within 6 months and use your card with discount
Bring friends and use for free
• Free for young people aged between 7 and 21
Bring friends and use for free
2000 EUR per month
1500 EUR per month
1000 EUR per month
Free online transfers and instant payments throughout Europe
from 700 EUR up to 15 000 EUR
from 500 EUR up to 5000 EUR
-
Interest-free period up to 45 days
-
• Medical expenses, including in case of COVID-19
• Luggage insurance
• Travel cancellation
• 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 receiving the goods
• Insurance for non-delivery of goods
• Insurance against damage and theft for 180 days from the moment of receiving the goods
-
1 EUR = 1 point
1 EUR = 1 point
2 EUR = 1 point**
With Priority Pass card
-
-

C PRIME

cprime

FREE*

for the first 3 months, afterwards from 6,99 EUR / month

Apply for C prime

C SUPREME

csupreme

FREE

for the first 2 months, afterwards 3,99 EUR / month

Apply for C supreme

C SMART

csmart

1,99 EUR / month

 

Apply for C smart
cprime

C PRIME

FREE*

csupreme

C SUPREME

FREE

csmart

C SMART

1,99 EUR / month

Free for the first 3 months
• Spend 6000 EUR within 6 months and use your card with discount
Bring friends and use for free
2000 EUR per month
from 700 EUR up to 15 000 EUR
• Medical expenses, including in case of COVID-19
• Luggage insurance
• Travel cancellation
• Sports
• Accidents
• Cancellation, suspension of travel
• Insurance against damage and theft for 180 days from the moment of receiving the goods
• Insurance for non-delivery of goods
1 EUR = 1 point
With Priority Pass card
Free for the first 2 months
• Spend 3000 EUR within 6 months and use your card with discount
Bring friends and use for free
1500 EUR per month
from 500 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 receiving the goods
1 EUR = 1 point
-
-
• Free for young people aged between 7 and 21
Bring friends and use for free
1000 EUR per month
-
-
-
-
2 EUR = 1 point**
-


* Existing customers get standard 3-month free period when they change their C smart or C supreme card to C prime. The free period is invalid when you change the color of the card.
** Only for customers aged 7-21.

Youngsters with C smart NEON

Special offers for schoolchildren and students

There are never too many opportunities when you’re young. So we have a card without a monthly fee and other cool offers for schoolchildren and students. Don't miss out and get your prizes!

If you have X card

  • All of your X card benefits remain as usual. They will be exactly the same for the C card. After your X card expires, we'll renew it to the same level C card.
  • If you want to find out your X card limits, insurance coverage, etc., see the benefits of the corresponding level C card.

Bring your friends and get more!

  • Bring your friends and get a 6 month free period for your card for each friend you bring.
  • Bring 2 friends, you'll get 2 Apollo Kino tickets from us in addition.
  • Bringing 4 friends will get you a payment ring with no application fee (standard: 1500 C REWARDS points) and no monthly fees for a year!
  • Your friends will also get to use their C card for free for 6 months.
  • The number of friends brought and free periods granted for them is unlimited!
  • The offer is valid for C card and X card users from April 1 to December 31, 2024.* Discounts do not add up.
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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

Active user discount

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

Expanded ATM network

Citadele joined the common ATM network among banks. Cash operations are now even more convenient.

  • Nearly 100 ATMs all over Estonia
  • Free cash deposits at over 50 ATMs all over Estonia
  • Free cash withdrawal all over the world according to the bankcard limit
  • Changing the PIN code of a bankcard
  • Viewing the account balance free of charge
  • See the expanded ATM network here

Apply for C 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 C 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 C prime card and up to 5000 EUR for C supreme.
  • Interest rate per year for C prime - 16%, C supreme - 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.

* The annual percentage rate of the private credit card is 27.11% per annum on the following example conditions: C Supreme credit card credit limit 1000 EUR, interest rate 18% (fixed), monthly fee of the card 2.99 EUR, repayment sum of 1136.04 EUR, assuming that the limit is used immediately, in its full amount and returned in the course of one year in equal monthly instalments.

C REWARDS

Get more from life


Do you want free movie tickets or even free airline tickets for your dream vacation? If yes, then C REWARDS is a program for you!

Why choose C card?


  • Change the PIN code for your payment card, wristband or ring even if you can't remember the old one.
  • Make transfers and instant payments.
  • Block and unblock cards, and order new ones.
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  • Add your card and use Apple Pay, Google Pay or Garmin Pay.
  • Pay to a phone number.
  • Use a payment wristband 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.ee.
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Didn’t find the answer to your question?

Visit our interactive assistant and find the information you need

Interactive assistant
Credit limit

C card will help you be more flexible in planning your finances. Your credit limit will give you a feeling of safety and support when making larger purchases or when coming across unplanned expenses.

Interest rate and maximum credit limit amount depend on the C card you have chosen.

Compare C card conditions

Without a credit limit

If you don’t need a credit limit right now, apply for and use your C card without one. You will have access to all the advantages of the card both for daily purchases and for travels. Apply for a credit limit when needed!

Interest-free period of up to 45 days
A chance to use credit for free!

Up to 45 days interest-free - a period for which the interest on your used limit is not calculated. If you fully repay the used limit before the 15th of the next month, you won’t have to pay interest.

Minimum repayment—just 5% per month
Plan a repayment of your used limit in a way that is easiest for you:

  • you can gradually repay your used credit limit by making the minimum repayment of 5% before the 15th of every month, with interest being calculated on the remaining balance; 
  • if you plan on making repayments over a specific period of time, you can pay a set amount every month;
  • if you repay your full balance before the 15th of the next month, interest will not be charged.

Apply for a credit limit

To apply for a credit limit, you must be at least 18 years old, with a positive credit history and regular monthly income.

How do I order a new C card?

If you want to become a Citadele client and receive C card, you can do it via the mobile app or at the bank’s branch (the service is based on a reservation, book an appointment by calling +372 77 00 000). When you become a client via the Citadele mobile app, we will send you your card by mail within 5 business days.

If you are a client of the bank and you want to replace your existing card for  a new C card or order a new C card with a new account, it is convenient to do this in the mobile app or in the Online bank under Accounts and Cards:  

  • to change your existing card: Accounts and Cards → Upgrade the existing payment card

  • to order a new C card with a new account: Accounts and Cards → Apply for new card 

Please ensure that your card delivery address is correct. You will receive your card by mail within 5 business days.

C supreme ATMs advantages

Are there limits on cash withdrawals from ATMs?

You can withdraw up to 1500 Euro in cash per month from any ATM, even abroad, with no commission fee. If this amount is exceeded, a commission of - 1% of the withdrawn amount is charged (min. 1.00 EUR).

Pay attention to ATM warning messages. If the screen has a notification about a commission fee, this will be taken by the bank or organisation who owns that ATM. The commission fee discount only applies to fees set by Citadele.

What will the fee be if I withdraw more than 1500 Euro per month from an ATM?

The commission fee is 1.0% of the withdrawal sum. Minimum commission - 1 Euro.

Can I withdraw cash in a different currency?

Yes, of course. If you withdraw cash in a different currency, the fee for currency conversion will be in accordance with the Price list.

C prime ATMs advantages

Are there limits on cash withdrawals from ATMs?

You can withdraw up to 2000 Euro in cash per month from any ATM, even abroad, with no commission fee. If this amount is exceeded, a commission of -1% of the withdrawn amount is charged (min. 1.00 EUR).

Pay attention to ATM warning messages. If the screen has a notification about a commission fee, this will be taken by the bank or organisation who owns that ATM. The commission fee discount only applies to fees set by Citadele.

What will the fee be if I withdraw more than 2000 Euro per month from an ATM?

At ATMs worldwide, the fee is 1% olf the withdrawal sum. Minimum commission - 1,00 Euro.

Can I withdraw cash in a different currency?

Yes, of course. If you withdraw cash in a different currency, the fee for currency conversion will be in accordance with the Price list.

How to start to collect C REWARDS points when shopping?

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

Free transfers within Europe

With C smart, C supreme, C prime and C Infinite, you can make unlimited online Euro transfers for free to Estonia and the whole of Europe as part of the Single Euro Payment Area.

Single Euro Payment Area (SEPA) payments are Euro payments to European Union member states and European Economic Area countries. For this type of payment to go ahead, the payment must indicate:

  • recipient IBAN number,
  • commission type: SHA (shared),
  • Payment type: Standard

SEPA includes the following 28 European Union member states: United Kingdom, Austria, Belgium, Bulgaria, Czech Republic, Denmark, France, Greece, Croatia, Estonia, Ireland, Italy, Cyprus, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Finland, Spain, Hungary, Germany and Sweden as well as Iceland, Liechtenstein, Norway and Switzerland.

Priority Pass card for C Infinite

Take a break from the hustle at the airport! The Priority Pass card, which you can get free of charge, will provide access to more than 1,300 VIP airport lounges, where you can relax, read the latest press and enjoy refreshments.

In the calendar year, the owner of the main C Infinite card has 5 free visits to VIP lounges with a Priority Pass card, which is linked to an C Infinite card account.

The cost of each visit to the VIP lounge is available in the price list.

We invite you to get acquainted with the current list of VIP lounges on the Priority Pass website.

Apply for Priority Pass card in internetbank or at Citadele branch, and receive the card free of charge.

More questions
Credit limit

C card will help you be more flexible in planning your finances. Your credit limit will give you a feeling of safety and support when making larger purchases or when coming across unplanned expenses.

Interest rate and maximum credit limit amount depend on the C card you have chosen.

Compare C card conditions

Without a credit limit

If you don’t need a credit limit right now, apply for and use your C card without one. You will have access to all the advantages of the card both for daily purchases and for travels. Apply for a credit limit when needed!

Interest-free period of up to 45 days
A chance to use credit for free!

Up to 45 days interest-free - a period for which the interest on your used limit is not calculated. If you fully repay the used limit before the 15th of the next month, you won’t have to pay interest.

Minimum repayment—just 5% per month
Plan a repayment of your used limit in a way that is easiest for you:

  • you can gradually repay your used credit limit by making the minimum repayment of 5% before the 15th of every month, with interest being calculated on the remaining balance; 
  • if you plan on making repayments over a specific period of time, you can pay a set amount every month;
  • if you repay your full balance before the 15th of the next month, interest will not be charged.

Apply for a credit limit

To apply for a credit limit, you must be at least 18 years old, with a positive credit history and regular monthly income.

How do I order a new C card?

If you want to become a Citadele client and receive C card, you can do it via the mobile app or at the bank’s branch (the service is based on a reservation, book an appointment by calling +372 77 00 000). When you become a client via the Citadele mobile app, we will send you your card by mail within 5 business days.

If you are a client of the bank and you want to replace your existing card for  a new C card or order a new C card with a new account, it is convenient to do this in the mobile app or in the Online bank under Accounts and Cards:  

  • to change your existing card: Accounts and Cards → Upgrade the existing payment card

  • to order a new C card with a new account: Accounts and Cards → Apply for new card 

Please ensure that your card delivery address is correct. You will receive your card by mail within 5 business days.

C supreme ATMs advantages

Are there limits on cash withdrawals from ATMs?

You can withdraw up to 1500 Euro in cash per month from any ATM, even abroad, with no commission fee. If this amount is exceeded, a commission of - 1% of the withdrawn amount is charged (min. 1.00 EUR).

Pay attention to ATM warning messages. If the screen has a notification about a commission fee, this will be taken by the bank or organisation who owns that ATM. The commission fee discount only applies to fees set by Citadele.

What will the fee be if I withdraw more than 1500 Euro per month from an ATM?

The commission fee is 1.0% of the withdrawal sum. Minimum commission - 1 Euro.

Can I withdraw cash in a different currency?

Yes, of course. If you withdraw cash in a different currency, the fee for currency conversion will be in accordance with the Price list.

C prime ATMs advantages

Are there limits on cash withdrawals from ATMs?

You can withdraw up to 2000 Euro in cash per month from any ATM, even abroad, with no commission fee. If this amount is exceeded, a commission of -1% of the withdrawn amount is charged (min. 1.00 EUR).

Pay attention to ATM warning messages. If the screen has a notification about a commission fee, this will be taken by the bank or organisation who owns that ATM. The commission fee discount only applies to fees set by Citadele.

What will the fee be if I withdraw more than 2000 Euro per month from an ATM?

At ATMs worldwide, the fee is 1% olf the withdrawal sum. Minimum commission - 1,00 Euro.

Can I withdraw cash in a different currency?

Yes, of course. If you withdraw cash in a different currency, the fee for currency conversion will be in accordance with the Price list.

How to start to collect C REWARDS points when shopping?

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

Free transfers within Europe

With C smart, C supreme, C prime and C Infinite, you can make unlimited online Euro transfers for free to Estonia and the whole of Europe as part of the Single Euro Payment Area.

Single Euro Payment Area (SEPA) payments are Euro payments to European Union member states and European Economic Area countries. For this type of payment to go ahead, the payment must indicate:

  • recipient IBAN number,
  • commission type: SHA (shared),
  • Payment type: Standard

SEPA includes the following 28 European Union member states: United Kingdom, Austria, Belgium, Bulgaria, Czech Republic, Denmark, France, Greece, Croatia, Estonia, Ireland, Italy, Cyprus, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Finland, Spain, Hungary, Germany and Sweden as well as Iceland, Liechtenstein, Norway and Switzerland.

Priority Pass card for C Infinite

Take a break from the hustle at the airport! The Priority Pass card, which you can get free of charge, will provide access to more than 1,300 VIP airport lounges, where you can relax, read the latest press and enjoy refreshments.

In the calendar year, the owner of the main C Infinite card has 5 free visits to VIP lounges with a Priority Pass card, which is linked to an C Infinite card account.

The cost of each visit to the VIP lounge is available in the price list.

We invite you to get acquainted with the current list of VIP lounges on the Priority Pass website.

Apply for Priority Pass card in internetbank or at Citadele branch, and receive the card free of charge.

Other application methods

online banking

Online bank

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

Online bank
branch

Branch

Apply for a branch visit by calling 770 0000.

Find your nearest branch
online banking

Online bank

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

Online bank
branch

Branch

Apply for a branch visit by calling 770 0000.

Find your nearest branch

More opportunities

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Consumer loan

Up to 20 000 EUR to fulfill your dreams.
Find out more
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Home purchase loan

We finance up to 95% of your home’s value with KredEx guarantee.
Find out more
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Leasing

Quick and easy application. Down payment starting from 10%.
Find out 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.
Find out more
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