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VISA Style credit card

VISA Style credit card

It is no longer possible to apply for VISA Style credit card.

Please choose Mastercard Classic credit card with improved functionality.

Available funds

  • With the credit card, you have access to your own money as well as the credit granted by the bank
  • All card transactions are reported on the credit card statement
  • Your own money is accounted separately from the credit limit – in the credit card current account
  • All transactions with your own money are reported on the account statement

Repayment of the credit limit

  • You can choose how to repay the credit limit – as the interest-free credit limit or the line of credit
  • The used credit limit is automatically repaid from the current account, linked to your credit card on the 15th day of the month or other date (5th to 15th), chosen by you. It is the date, when you need to have sufficient amount of the money on account to cover your credit limit and interests.
  • You can make repayment of the credit limit on your own via internet bank selecting the relevant credit card and the step “repay” in a section Loans/Leasing – My loans - Loan agreements or in a section Accounts/Cards - Card credit limit. This additional step is required to use the money from the credit card account for covering of the credit limit, including in cases when the money has been deposited at an ATM.

Transfers from the credit limit assigned by the bank

If your own funds are not sufficient to make an urgent transfer, your can make a transfer from the credit limit to the account. Using Internet bank section Accounts/Cards->my Cards-> Transfers. The money will be credited to the account from the credit limit, and you will be able to transfer the necessary amount from the account. While such a transfer from the credit limit to the account is made within SEB bank, credit funds are used for it, therefore this is a chargeable service.

Permitted transactions and limits

You have an option set the permitted transactions and limits for each card.

For your convenience, we offer you to tie up, at your discretion, an interest-free credit limit or a credit line to your credit card.

You may use the interest-free credit limit free of charge for up to 45 days – pay back the used credit limit by the 14th day of the next month, with no interest being charged.

An example of the interest-free credit limit repayment:

ilustration of the interest-free credit limit repayment

In case of a credit line you can repay the used credit gradually, by the 14th day of the following month, by paying only 5% of the credit limit used in the previous month to the bank. The bank will charge interest for the use of the credit line automatically and deduct it at the end of each calendar month.

The amount of the credit limit – from 300 EUR up to 100% of your monthly net income.

An example of the credit line repayment:

ilustration of the credit line repayment

The amount of the credit limit – from 300 EUR up to 200% of your monthly net income.


Card transaction limits for your financial security

For added security of the funds in your account, the bank has set transaction limits, i.e., the maximum amount that you may withdraw from ATMs within 24 hours. The limit for cash withdrawals set by the bank for VISA Style credit card is EUR 1,500. You can change it, if necessary.

The limit for POS and online transactions set by the bank is EUR 4,000 within 24 hours.

Practical tips for secure transactions with your card

  • Keep your payment card in a safe place;
  • Do not disclose the PIN of your card, nor keep it written on a piece of paper together with your card or in your cell phone. When confirming your transactions with the PIN, make sure that nobody can see it;
  • The card may be used only by the person whose name and signature is shown on the card;
  • Before confirming a transaction with the PIN, always check the amount of the transaction;
  • Keep transaction receipts for reconciling them with the transaction report in the internet bank;
  • Only use the services of safe online shops and service providers;
  • If you enter the wrong PIN three times consecutively when making a purchase, it will be automatically locked for security reasons. You will be able to unlock the PIN of the card in any SEB ATM, by entering the correct PIN.

What needs to be done when you have lost your payment card?

  • To block your payment card, please call the SEB bank immediately (a 24-hour line + 371 26668777);
  • If you find your card after reporting the loss or theft thereof, please do not use the card and contact SEB bank.
Fee for use of the card/additional card (per month)1 2.50 EUR
Commission for purchase in Latvia and abroad Free of charge
Cash withdrawal in another bank 2%, min 4.00 EUR
Cash withdrawal at ATMs 2%, min 4.00 EUR
Cash deposit at SEB bank’s ATM:
   •  up to 6,000 EUR within one calendar month for all customer's accounts Free of charge
   •  upon exceeding monthly credits of 6,000 EUR for all customer's accounts 0,1% of transaction amount
Changes in the credit card agreement (submitted to the branch) 10.00 EUR
Changes in the credit card agreement (submitted in internet bank)2 Free of charge
Reviewing an application of credit limit increase 10.00 EUR
  I Interest-free credit limit II Credit line III Fixed payment
Fee for the used credit limit (per year) 0% 21% (1,75% per month) 24% (2% per month)
Monthly repayment amount 100% 5% Fixed in compliance with the agreement
Late payment interest (per year) 36% (3% per month)
Contractual penalty (per year) 36% (3% per month)


The limit of transactions within one calendar month includes purchased and cash withdrawal transactions of 5,000



1 Charged starting from the second month of using the card/additional card.

2 Except increase of the credit limit.


Terms of agreement for Credit card of Your Style (LAT) Application form for the Credit Card of Your Style


  • +371 26668777
    +371 67779988

    Block payment card and internet bank


    Other questions

    Private customers

    Mon - Fri 08.00 - 20.00

    Business customers

    Mon - Fri 08.30 - 18.00


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