Credit card 100

Credit card 100 is a fee-free credit card with no interest or other charges.

Interest rate

Monthly fee

€0

Contractual fee

€0

Card limit

€100

Tasuta

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Saadaval ka

Apple Pay ja Google Pay

Credit card 100 has a spending limit of €100. You pay back exactly as much as you have spent. You can use the card to pay in retail shops and online stores, and you can also add it as a payment option for all kinds of orders, including food delivery, streaming and car sharing services and much more. Credit card 100 is a convenient tool for practising good financial behaviours, but it is also perfect for young people who want to use credit in moderation and avoid extra charges.

Applications for credit cards can be made by citizens of Estonia and long-term residence permit holders who are of legal age. Should your card be lost or stolen, you can block it via our self-service, app or by calling us immediately on 677 0760.

Carefully consider your decision and review the terms and conditions of the contract before making your decision. If you have any questions or need advice, get in touch with us.

Campaign for card clients

Get 10% cashback with your Holm card in Stockmann department store and online store in April!

Pay for your purchases made in April in Stockmann department store or online store with Holm credit card or Credit card 100.

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

View the campaign

Card services department
Mon- Fri 8:00-18:00

kaart@holmbank.ee

+372 677 0760

Frequently asked questions

Credit card 100 has no monthly fees or interest.

You can activate the physical credit card in our app and self-service system. After ordering, the virtual credit card is ready for use as soon as you enable online purchases in the card settings and enter the 3D Secure password.

The limit of credit card 100 is 100 euros. If you need to use the credit card for bigger transactions, you can choose a suitable option here.

The virtual credit card can be used in stores and online shops. Add it to your smartphone’s Apple Pay or Google Pay digital wallet and use wherever VISA cards are accepted.

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.d ja Tobago, Tunisia, Türkmenistan, Uganda, Ukraine, Vanuatu, Venemaa, Venezuela, Vietnam.

You can check your credit card’s available limit in our app and self-service system. With a physical credit card, you can also check your available limit at any ATM, subject to a service surcharge of €0.47.

You can see card transactions on our app and our self-service site.

Every month Holm Bank AS will send you a payment order showing:
the compulsory repayable instalment that is always equal to your used credit limit, the available limit according to the agreement, and the statement of transactions.
The invoice must be paid no later than the 10th day of the month. Repayments are to be made to the current account of Holm Bank AS EE391010220035757017 in SEB Bank or EE087700771000802113 in LHV Bank.
The reference number is mandatory! In case of arrears, the use of the card will be suspended.

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.

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 a 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: kaart@holmbank.ee.