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

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X Cards | Citadele Bank

X cards

The X card can do everything and more. Select your card today!

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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 5,99 EUR / month

Apply for X prime

X SUPREME

xsupreme

FREE

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

Apply for X supreme

X SMART

xprime

1,49 EUR / month

 

Apply for X smart
Discount to monthly fee

Spend 6000 EUR within 6 months and use your card with discount

Spend 3000 EUR within 6 months and use your card with discount

Free for young people aged between 7 and 21
Commission-free cash withdrawals from ATMs worldwide 2000 EUR per month 1500 EUR per month 1000 EUR per month
Free online transfers and instant payments throughout Europe
Option of adding a credit limit

Interest rate

Interest-free period

up to 7000 EUR

16%*

up to 45 days

up to 3000 EUR

18%*

up to 45 days

-

-

-

Travel insurance

Extensive coverage for all the 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
-
Purchase protection
  • 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
-
Bicycle insurance -
X REWARDS points for every purchase 1 EUR = 1 point and with some partners 1 EUR = 5 points 1 EUR = 1 point 2 EUR = 1 point
X REWARDS discounts in the Baltics
Access to VIP lounge in airports With Priority Pass card - -
Apply for X prime Apply for X supreme Apply for X smart

X PRIME

xprime

FREE

for the first 6 months, afterwards 5,99 EUR / month

Apply for X prime
Try for free Free for the first 6 months
Discount to monthly fee

Spend 6000 EUR within 6 months and use your card with discount

Commission-free cash withdrawals from ATMs worldwide 2000 EUR per month
Free online transfersand instant payments throughout Europe
Option of adding a credit limit

Interest rate

Interest-free period

up to 7000 EUR

16%*

up to 45 days

Travel insurance

Extensive coverage for all the family

  • medical expenses, including in case of COVID-19
  • luggage insurance
  • travel cancellation
  • high-risk sports
  • accidents
  • cancellation, suspension of travel
Purchase protection
  • 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
Bicycle insurance
X REWARDS points for every purchase 1 EUR = 1 point and with some partners 1 EUR = 5 points
X REWARDS discounts in the Baltics
Access to VIP lounge in airports With Priority Pass card
Apply for X prime

X SUPREME

xsupreme

FREE

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

Apply for X supreme
Try for free Free for the first 3 months
Discount to monthly fee

Spend 3000 EUR within 6 months and use your card with discount

Commission-free cash withdrawals from ATMs worldwide 1500 EUR per month
Free online transfersand instant payments throughout Europe
Option of adding a credit limit

Interest rate

Interest-free period

up to 3000 EUR

18%*

up to 45 days

Travel insurance
  • Basic insurance for you
  • medical expenses, including in case of COVID-19
  • accidents
Purchase protection
  • Insurance against damage and theft for 180 days from the moment of purchase
Bicycle insurance -
X REWARDS points for every purchase 1 EUR = 1 point
X REWARDS discounts in the Baltics
Access to VIP lounge in airports -
Apply for X supreme

X SMART

xsmall

1,49 EUR / month

 

Apply for X smart
Try for free -
Discount to monthly fee Free for young people aged between 7 and 21
Commission-free cash withdrawals from ATMs worldwide 1000 EUR per month
Free online transfersand instant payments throughout Europe
Option of adding a credit limit

Interest rate

Interest-free period

-

-

-

Travel insurance -
Purchase protection -
Bicycle insurance -
X REWARDS points for every purchase 2 EUR = 1 point
X REWARDS discounts in the Baltics
Access to VIP lounge in airports -
Apply for X smart

* The annual percentage rate of the private credit card is 27.11% per annum on the following example conditions: X Supreme credit card credit limit 1,000 EUR, interest rate 18% (fixed), monthly fee of the card 2.99 EUR, repayment sum of 1,136.04 EUR, assuming that the limit is used immediately, in its full amount and returned in the course of one year in equal monthly instalments.

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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

Active user discount

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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.

Learn more

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

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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 7 000 EUR for X prime card and up to 3 000 EUR for X supreme
  • Interest rate per year for X prime - 16%, X 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: X Supreme credit card credit limit 1,000 EUR, interest rate 18% (fixed), monthly fee of the card 2.99 EUR, repayment sum of 1,136.04 EUR, assuming that the limit is used immediately, in its full amount and returned in the course of one year in equal monthly instalments.

X REWARDS

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Get more from life


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


I want free prizes

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 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, Fitbit 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 banking 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
Free transfers within Europe

With X smart, X supreme, X prime and X 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.

How do I order an X card?

If you want to become a Citadele client and receive an X card, you can do it via the mobile app or at one of the bank’s branch. When you become a client via the Citadele mobile app, we will send you your card by mail in five business days.

If you are a client of the bank and you want to replace your existing card, write a free-form order to the bank via the online bank. To receive an X card with a new account, you can order a new card in the online bank under Accounts and Cards. Please ensure that your delivery address is correct. You will receive your card by mail in five business days.

X 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.

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.ee, the Citadele app or online bank.

X 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.

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 than 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.

More questions
Free transfers within Europe

With X smart, X supreme, X prime and X 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.

How do I order an X card?

If you want to become a Citadele client and receive an X card, you can do it via the mobile app or at one of the bank’s branch. When you become a client via the Citadele mobile app, we will send you your card by mail in five business days.

If you are a client of the bank and you want to replace your existing card, write a free-form order to the bank via the online bank. To receive an X card with a new account, you can order a new card in the online bank under Accounts and Cards. Please ensure that your delivery address is correct. You will receive your card by mail in five business days.

X 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.

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.ee, the Citadele app or online bank.

X 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.

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 than 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.

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 days

Apply
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 X card through the online bank and receive within 5 days

Apply
branch

Branch

Apply for a branch visit by calling 770 0000

Find your nearest branch

* The annual percentage rate of the private credit card is 27.11% per annum on the following example conditions: X Supreme credit card credit limit 1,000 EUR, interest rate 18% (fixed), monthly fee of the card 2.99 EUR, repayment sum of 1,136.04 EUR, assuming that the limit is used immediately, in its full amount and returned in the course of one year in equal monthly instalments.