X Infinite

Fee for card 350 EUR per year
Fee for supplementary card Free of charge
New card issue (instead of existing) 50 EUR
Commission fee for goods and services purchase Free of charge
Cash withdrawal in Citadele Bank 3% (min. 3 EUR)
Cash withdrawal in other banks 3% (min. 3 EUR)
Cash withdrawal in Citadele Bank ATMs in Estonia 3% (min. 1.50 EUR)
Cash withdrawal in ATMs of other banks 3% (min. 3 EUR)
Cash deposit in ATMs of Citadele Free of charge
Payment from account As from current account + 3%1
Minimum instalment 5% of the used credit limit amount + 100% of the excess expenditure
Annual credit interest rate 14 %
Annual late payments interest rate 23%
Late payment interest per day   0.06%
Annual interest for unauthorized negative account balance 20%
Annual fee for Priority Pass membership Free of charge
Fee for 1 person’s visit at Priority Pass VIP lounge at the airport 30 EUR (VAT included)2
Concierge service Free of charge
Currency exchange mark-up fee 2%

Effective from 15.01.2020.


1 The additional commission of 3% is not applied, if payment is executed within the terms of “Concierge service”.
2 Within a calendar year, five visits to airport VIP lounge to main card user is offered free of charge.