X hero credit card

Apply for X hero and use for free for the first 6 months*

Apply for a card

  • Credit limit from up to 5 000 Euro
  • Interest-free period of up to 45 days
  • Travel insurance and purchase protection

*100% discount on the fee for the first six (6) months for your main card starting from the 1st of the month after the card is issued.


  • Credit limit from 200 EUR to 5000 EUR with an interest-free period of up to 45 days
  • Minimum monthly payment—5% per month!
  • Potential to open and use your X hero credit card without a credit limit


Travel insurance and purchase protection

  • NEW! During the summer months, X hero insurance is even better—including bicycle insurance, a help package for your home, and insurance for short trips around Estonia.
  • Traveling abroad and in Estonia, you are insured up to an amount of 75,000 euros
  • All purchases made with X hero are insured for 120 days from the date of purchase in the amount of up to 10,000 euros


No monthly fee and other benefits

  • Apply for X hero and get first 6 months free of charge
  • Actively pay for purchases with your X hero card on daily basis and get a discount on your basic card monthly fee
  • Contactless card, phone, wristband or sticker payments


X REWARDS prizes and discounts

  • Receive discounts from our partners throughout the Baltics.
  • Register for the X REWARDS programme and receive X REWARDS points on every online and in-store purchase worldwide (1 Euro = 1 point)