Become a customer without visiting a branch

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.

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.

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.

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.

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 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
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 and C Infinite.