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  2. C cards

C cards

Life becomes more convenient and better value with a Citadele card in your pocket! Choose the best one for you and apply in just a couple of minutes.

Six different C smart, C supreme and C prime payment cards in different colors.
Special offer!
Apply for a card

Choose the best card for you

 
C lite virtual card with C and VISA logos.
C lite
Order
Colorful C smart card with the word 'SMART' and the 'VISA' logo.
C smart
Order
C supreme cards one on top of the other with the C and VISA logos and different designs.
C supreme
Order
C prime cards one on top of the other with the C and VISA logos and different designs.
C prime
Order
C airBaltic card with C, VISA and airBaltic logos
C airBaltic
Order
C infinite card with the C and VISA logos.
C infinite
Order
Colorful C smart card with the word 'SMART' and the 'VISA' logo.
C smart 7-21
Order
Monthly fee
Active user discount
Bring a Friend offer
C REWARDS points
C REWARDS discounts
airBaltic Club points and benefits on airBaltic flights
Free cash withdrawals at ATMs worldwide
Free online euro transfers and instant payments throughout Europe
Credit limit
Interest-free period
Travel insurance
Free Priority Pass enrollment
Fast track

0 EUR

750 EUR***

Between Citadele accounts

1.99 EUR

1000 EUR

FREE* for the first 2 months, then 3.99 EUR / month

Up to 50%

1 EUR = 1 point

1500 EUR

from 500 EUR to 5000 EUR

For you

FREE* for the first 3 months, then 6.99 EUR / month

Up to 50%

1 EUR = 1 point

2000 EUR

from 700 EUR to 15 000 EUR

For you and your family

30 EUR*****

7.99 EUR

2000 EUR

For you and your family

30 EUR *****

35 EUR

2500 EUR

Determined individually

For you and your family

Includes 15 free visits per year

0 EUR

2 EUR = 1 point****

1000 EUR**

* Monthly card fee discounts apply when you become a customer remotely. Existing customers receive the standard free three-month period when they upgrade their C smart or C supreme to a C prime. There is no free period for changing the colour of a card or replacing C prime with C supreme. Offer does not apply to customers with a temporary residence permit or work visa, or students from overseas.
** Some safety limits for customers aged 7 to 17 (inclusive).
*** ATMs which support contactless payments.
**** Only for customers aged 7-21.
***** Priority Pass lounge visit terms in accordance with the Priority Pass terms for each lounge www.priotitypass.com.

 
C airBaltic card with C, VISA and airBaltic logos

C airBaltic

A payment card with the ability to earn airBaltic Club points on everyday purchases, which can be redeemed for flights.
More about the card
C infinite card with the C and VISA logos.

C Infinite

Our exclusive metal card for our customers with the highest standards.
More about the card
C smart cards one on top of the other with the C and VISA logos and different designs.

C smart

A card with benefits for everyday payments. Free for young people aged 7–21!
More about the card
C lite virtual card with C and VISA logos.

C lite

C lite — a fully digital card for everyday payments — no plastic, no monthly fee, always on your phone when you need it.
More about the card
Click to Pay payment symbol next to the VISA logo – an online payment option with Citadele C cards.

Click to Pay

Internationally recognized payment functionality that enables convenient and secure online payments without the need to re-enter card details. Click to Pay is also available for C cards and is supported by many online stores worldwide.

Find out more

Bring a friend and use C card without a monthly fee!

  • Tell your friends, family and acquaintances about the C card and give them an offer code. Anyone who is not yet a Citadele customer can take part.
  • Receive six months with no fee for each friend who applies for C card with your offer code.
  • Your C card fee discount period begins when the code is activated.
  • See your code: 1) in the online bank section under Basic information > Invite friends, 2) in the mobile app by pressing the profile icon in the upper right corner > Invite a friend.
  • Use your offer code for an unlimited number of friends, because everyone you recommend will receive a 100% discount on their monthly C card fee for six months.
Go to mobile app Go to online bank

The offer does not apply to customers and friends with a temporary residence permit, work visa, or foreign students and friends who have been Citadele customers in the last 6 months and/or - they have not already become a Citadele customer using a Bring a Friend code.
The offer also does not apply if you have a C airBaltic and/or a C Infinite cards and/or your friend applies for a C airBaltic and/or a C Infinite cards.

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

*** Insurance services are provided by Seesam kindlustus.

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.

Learn more

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.
A red Citadele ATM featuring a close-up of the card slot and an image of the C Prime bank 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 50 designated ATMs across 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 locations of cash deposit and withdrawal ATMs 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.

Scan and download the app
Download app
Smartphone screen with the Citadele mobile app open, displaying the Cards section with the visual of the C prime lava card and available card management functions.
photo
photo

For customers

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

Mobile app Online bank

Apply for a credit limit

A credit limit 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.
Receive offer

**** 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 3.99 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.

Person pays for a purchase with a phone, and the Citadele app’s smart piggy bank is visible on the screen.

Smart Piggybank – save as you spend!

Piggybank is a smart feature in the Citadele mobile app that effortlessly turns your spare change into savings by rounding up your purchases with payment card. Open a Piggybank, activate round-ups for your card, use it, and earn annual interests on your savings. Give it a try!

Learn more

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!

I want free prizes

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.
Mobile phone screen displaying the Citadele mobile app login view.
  • Add your card and use Apple Pay, Google Pay or Garmin Pay.
  • Pay to a phone number.
  • Use a payment wristband or ring.
private.img.ccards.phone.payment.alt
  • 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.

Need help?

Get instant answers to your questions 24/7 from our website help tool: our virtual financial consultant, Adele.

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 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.

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.

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.

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.

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.

For C prime, C airBaltic C Infinite
The Priority Pass Lounge is a great place to relax or work while enjoying free appetisers and refreshing drinks before your flight. Regardless of whether you are travelling for work or pleasure, you can recover from the bustle of the airport and revive your energy. 
With Priority Pass, you can visit more than 1,700 VIP lounges in more than 500 cities across 145 countries. 
  
C Infinite 
Starting from 1.02.2025, C Infinite cardholder needs to download the Priority Pass app to their smartphone and create a Priority Pass account using their C Infinite card data. 
You can also add the created digital Priority Pass card to your wallet. 
C Infinite cardholders, including supplementary card holders, have access to free VIP Lounge visits – 15 times per calendar year. 
If you cannot download Priority Pass app, you can access the VIP Lounges by showing your physical C Infinite card. 
 
C prime, C airBaltic
You can receive a free Priority Pass card. Apply for Priority Pass card in Citadele Online bank (Online bank > Correspondence with Bank > Create New > Free form Order to the bank) or in any Citadele branch. 
Price per lounge visit can be viewed in the price list, for C prime, C airBaltic and C Infinite.

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 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.

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.

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.

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.

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.

For C prime, C airBaltic C Infinite
The Priority Pass Lounge is a great place to relax or work while enjoying free appetisers and refreshing drinks before your flight. Regardless of whether you are travelling for work or pleasure, you can recover from the bustle of the airport and revive your energy. 
With Priority Pass, you can visit more than 1,700 VIP lounges in more than 500 cities across 145 countries. 
  
C Infinite 
Starting from 1.02.2025, C Infinite cardholder needs to download the Priority Pass app to their smartphone and create a Priority Pass account using their C Infinite card data. 
You can also add the created digital Priority Pass card to your wallet. 
C Infinite cardholders, including supplementary card holders, have access to free VIP Lounge visits – 15 times per calendar year. 
If you cannot download Priority Pass app, you can access the VIP Lounges by showing your physical C Infinite card. 
 
C prime, C airBaltic
You can receive a free Priority Pass card. Apply for Priority Pass card in Citadele Online bank (Online bank > Correspondence with Bank > Create New > Free form Order to the bank) or in any Citadele branch. 
Price per lounge visit can be viewed in the price list, for C prime, C airBaltic and C Infinite.

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