Holm Bank.Private.Credit card

Credit card

Now is a good time to apply for a credit card! New cardholders will receive €100 cashback when they spend €2,000. Additionally, credit card users will enjoy a 10% cashback on purchases at Optimus Mööbel throughout April. See below for detailed terms and conditions.

Campaign for new clients

Spend €2,000, get €100 back

Monthly interest rate

from 1.2%

15 days

interest-free

Contractual and maintenance fees

€0

Free of charge

purchase insurance

Also available in

Apple Pay and Google Pay
Credit card

Holm offers a physical and virtual VISA credit card without monthly fees, which you can apply for via Holm self-service and app. We will send the plastic card to your home address within a week, free of charge, and the virtual card will be ready to use as soon as you sign the contract. The app and self-service offer a convenient overview of your payments and other transactions.

You can use the card in retail shops, online stores and to pay for services. It is also possible to withdraw money from ATMs with a Holm credit card. Purchases made with the Credit Card are protected by purchase insurance. Read more here.

To find out your personal credit limit, please fill out the application in our self-service.

Campaign for new clients

For new cardholders who conclude a contract in the period

01.04-31.05.2025

Use your card for at least €2,000 until the end of May,

and in June, Holm will add €100 to your Holm customer account

Transactions made to digital wallets, such as Revolut, Trustly, etc., do not count towards card usage

You can find detailed terms and conditions under frequently asked questions

View the campaign
View the campaign
Campaign for new clients

Offer in Juhani Puukool stores and online store

Get 10% cashback with your Holm card in Juhani Puukool stores and online store in May!

Pay for your purchases made in May Juhani Puukool stores and online store with your Holm credit cards

Holm will reimburse 10% of the cost of the purchases you made in May, returning it to your Holm Bank client account in June.

View the campaign
View the campaign
Offer in Juhani Puukool stores and online store

Card services department
8:00-18:00

[email protected]

+372 677 0760

Campaign terms and conditions for new clients

The campaign applies to new credit card contracts concluded in the period 01.04-31.05.2025.
The campaign is open to all clients who become Holm credit cardholders in the period 01.04-31.05.2025 without a previous contract.
New cardholders who spend 2000 euros during the campaign period will get 100 euros back in June. The amount will be transferred to the client’s account at Holm Bank.
The campaign participant is also eligible for the partner cashback campaign in accordance with its terms and conditions. The purchase amounts and cashbacks from both campaigns will be added up.
All transactions made during the campaign period, both card payments and cash withdrawals, except for transactions made to digital wallets, such as Revolut, Trustly, etc., are taken into account.
If you have any contractual obligations to Holm Bank, the bank has the right to debit the amount in your client account to cover those obligations, as in accordance with the terms and conditions of the self-service agreement. Holm has the right to refuse to reimburse any amount if it was earned in a criminal manner, such as through fraud, or if the transaction was suspicious in any other way.

Frequently asked questions

Not using the credit card does not entail any obligations for you, because the credit card does not have a monthly maintenance fee.

The physical credit card should be activated in the app or on our self-service site, virtual credit card is ready to be used right away after you have activated internet purchases and inserted 3D Secure password.
You can check the unused limit of your card in the app or on our self-service site. Physical credit card unused limit is also visible on any ATM for a service fee of €0.47. You can see card transactions on our self-service site.
The virtual credit card and the initial physical credit card are for free. If you lose your physical credit card and wish to order a new one, you can do that on our self-service site, yet then service fee of €10 will be applied for the new physical credit card.
You can use your credit card to pay for purchases in shops that support card payments and in online stores that accept Visa cards. For security reasons, the credit card cannot be used for making purchases in the following countries: Afghanistan, Albania, Argentina, Bahamas, Barbados, Bolivia, Bosnia and Herzegovina, Botswana, Brazil, Burkina Faso, Burundi, Cayman Islands, Cambodia, Colombia, Democratic Republic of the Congo, Dominican Republic, Equatorial Guinea, Ethiopia, Ghana, Guinea-Bissau, Guyana, Haiti, Hong Kong, Iceland, India, Iraq, Iran, Jamaica, Laos, Lebanon, Libya, Mauritius, Mexico, Mongolia, Morocco, Myanmar, Nicaragua, North Korea, Pakistan, Panama, Peru, Philippines, Republic of the Congo, Russia, Senegal, Somalia, South Africa, South Sudan, Sri Lanka, Sudan, Syria, Thailand, Trinidad and Tobago, Tunisia, Turkmenistan, Uganda, Ukraine, United States of America, Vanuatu, Venezuela, Vietnam, Yemen and Zimbabwe.
Every month, Holm Bank AS will send you a payment order that shows the mandatory repayment amount, the credit limit used, the available limit of the agreement, the applicable interest rate, and a statement of transactions. Interest is calculated monthly on the outstanding loan balance. The invoice must be paid by the 10th of each month at the latest. You must pay the due amount every month. If you wish to repay a larger amount or the entire loan, you can initiate the repayment in the self-service portal. Select "Cards", "Credit Card", "Make a Repayment".
If the purchased goods or services are either of poor quality, do not meet the conditions, or the delivery time of the goods has been exceeded, contact the relevant merchant. Goods and services which require recurring payment must first be terminated by the trader or service provider. Card transactions made during the provision of the service will not be refunded. In the case of hotel bookings and car rental transactions, fees may be added depending on the nature of the service (minibar bills, traffic fines, tolls) or in the case of no show. Please contact the merchant or service provider to find out the circumstances of the transaction. If you have any questions, e-mail us at [email protected].
The virtual credit card can be used in stores and online shops. Add it to your Apple Pay or Google Pay digital wallet and use wherever VISA cards are accepted.
You can withdraw cash using Holm credit cards (except virtual cards) both in Estonia and abroad, see the price list.
The 3DSecure (3DS) password is an additional anti-fraud protection measure for online purchases. You can set and change your 3DS password in the card management section of our Self-Service.
If you have forgotten your PIN code, you can retrieve it through the self-service portal. Log in to the self-service and select your active credit card from the menu. Then choose "Manage Card" and "PIN Code Settings". There, you can request the PIN code to be sent to your phone via SMS.

Additional information

Holm’s services

Loans
Loans

Home loan, consumer loans, refinancing loan

Liisi hire purchase
Liisi hire purchase

Flexible payments over a longer period

Credit card
Credit card

For large purchases and daily expenses

Deposit
Deposit

Best interest rate

The financial services provider is Holm Bank AS. The issuer of the card is Wallester AS. Read the terms of the contract and consult an expert. The annual percentage rate is 36.89% under the following sample conditions: credit limit €2,000, fixed interest rate 30.00% per annum, total repayments €2,605.19. This rate is calculated on the assumption that the credit limit is immediately used in full and repaid in equal monthly instalments over a period of one year with the total amount repaid being €2,605.19.

Holm Bank AS

Posti 30, 90504 HaapsaluReg. code 14080830VAT EE101970615

Credit institution license

02.04.2019

Customer service

+372 675 5055[email protected]

Data protection

[email protected]

Private customer

Business customer

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