X cards

Does the X card suit you? Absolutely. Choose the best X card for your lifestyle!


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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 from 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

xsmart

1,99 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
2000 EUR per month
1500 EUR per month
1000 EUR per month
Free online transfers and instant payments throughout Europe
from 700 EUR up to 15 000 EUR
from 500 EUR up to 5000 EUR
-
Interest-free period up to 45 days
-
  • 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
-
  • 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
-
1 EUR = 1 point
1 EUR = 1 point
2 EUR = 1 point*
With Priority Pass card
-
-

X PRIME

xprime

FREE

for the first 6 months, afterwards from 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

xsmart

1,99 EUR / month

 

Apply for X smart
xprime

X PRIME

FREE

xsupreme

X SUPREME

FREE

xsmart

X SMART

1,99 EUR / month

Free for the first 6 months
Spend 6000 EUR within 6 months and use your card with discount
2000 EUR per month
from 700 EUR up to 15 000 EUR

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
  • 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
1 EUR = 1 point
With Priority Pass card
Free for the first 3 months
Spend 3000 EUR within 6 months and use your card with discount
1500 EUR per month

from 500 EUR up to 5000 EUR

  • Basic insurance for you
  • medical expenses, including in case of COVID-19
  • accidents
  • Insurance against damage and theft for 180 days from the moment of purchase
1 EUR = 1 point
-
-
Free for young people aged between 7 and 21
1000 EUR per month
-
-
-
-
2 EUR = 1 point*
-


* Only for customers aged 7-21.

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 over 50 ATMs all over 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 expanded ATM network here
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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 15 000 EUR for X prime card and up to 5 000 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 bank 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
Credit limit

X 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 X card you have chosen.

Compare X card conditions

Without a credit limit

If you don’t need a credit limit right now, apply for and use your X 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.

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 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.

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 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.

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.

Priority Pass card for X Infinite

Take a break from the hustle at the airport! The Priority Pass card, which you can get free of charge, will provide access to more than 1,300 VIP airport lounges, where you can relax, read the latest press and enjoy refreshments.

In the calendar year, the owner of the main X Infinite card has 5 free visits to VIP lounges with a Priority Pass card, which is linked to an X Infinite card account.

The cost of each visit to the VIP lounge is available in the price list.

We invite you to get acquainted with the current list of VIP lounges on the Priority Pass website.

Apply for Priority Pass card in internetbank or at Citadele branch, and receive the card free of charge.

More questions
Credit limit

X 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 X card you have chosen.

Compare X card conditions

Without a credit limit

If you don’t need a credit limit right now, apply for and use your X 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.

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 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.

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 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.

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.

Priority Pass card for X Infinite

Take a break from the hustle at the airport! The Priority Pass card, which you can get free of charge, will provide access to more than 1,300 VIP airport lounges, where you can relax, read the latest press and enjoy refreshments.

In the calendar year, the owner of the main X Infinite card has 5 free visits to VIP lounges with a Priority Pass card, which is linked to an X Infinite card account.

The cost of each visit to the VIP lounge is available in the price list.

We invite you to get acquainted with the current list of VIP lounges on the Priority Pass website.

Apply for Priority Pass card in internetbank or at Citadele branch, and receive the card free of charge.

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 business 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 business days

Apply
branch

Branch

Apply for a branch visit by calling 770 0000

Find your nearest branch

More opportunities

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Consumer loan

Up to 20 000 EUR to fulfill your dreams.
Learn more
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Home purchase loan

We finance up to 95% of your home’s value with KredEx guarantee.
Learn more
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Leasing

Quick and easy application. Down payment starting from 10%.
Learn more
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Mobile app

Use the bank’s services at a time and place convenient to you. Confirm payments using your face or fingerprint.
Learn more

* 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.