Holm Bank.Private.Credit card.February new customer offer

Offer for first-time customers

Good to know! Everyone who signs their first credit card agreement in February will get 3% cashback on all purchases made this month!  This offer applies to both the fee-free Credit Card 100 and our regular credit card with a higher limit.
And that’s not all! All cardholders  will receive 10% cashback on purchases made at Weekend stores and online until the end of March.

Offer valid for new customers

1–28 February 2026

On February purchases

3% cashback in March

Holm will transfer the cashback

to your customer account at Holm Bank

Your virtual card is ready to use

immediately after signing the contract

Free of charge

purchase insurance

Contract and maintenance fees

0 €
Offer for first-time customers

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.

Credit Card 100 comes with a monthly limit of €100 and is completely free - no monthly fee, no interest.

If you’re looking for a higher limit, you can apply for our standard credit card. That card also has no monthly fee, but interest will start to apply from the 15th day after the purchase.

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 terms and conditions

What is the campaign period?
The campaign applies to new credit card agreements signed between 1–28 February 2026.
Who can take part in the campaign?
The campaign is open to all customers who sign a new Holm credit card agreement between 1–28 February 2026 and who did not have a valid Holm credit card agreement before. Both Credit Card 100 and credit card with a higher limit are eligible.
What do I need to do to receive 3% cashback on my purchases?
The campaign terms apply automatically to everyone who signs their first credit card agreement with Holm Bank during the campaign period. Holm Bank will calculate 3% cashback on the total amount of purchases made during the campaign and transfer the amount to your customer account at Holm Bank in the following month.
Do new cardholders also qualify for the partner cashback offer during the same month?
Yes. The partner cashback terms apply in parallel. The purchase amounts and cashback from both campaigns will be combined.
Which transactions qualify for the campaign?
All card payments and ATM withdrawals made during the campaign period are included, except for transactions made to digital wallets, such as Revolut, Trustly and similar services.
Which period of transactions is taken into account for the cashback?
The 3% cashback is calculated only on valid transactions made during the campaign period, based on their status at the time of cashback calculation. Transactions that have been fully or partially refunded by the merchant after the purchase will not be included in the cashback calculation.
Can Holm Bank refuse to pay out the cashback?
If you have outstanding obligations to Holm Bank, the bank has the right to debit the cashback amount from your customer account in accordance with the Self-Service Agreement. Holm also has the right to refuse cashback if the cashback was earned through criminal means, including fraud or suspicious transactions.

Additional information

Price list
Pre-contractual information
Reminder
Contesting of card transactions
Terms and conditions

Card services department
E-R 8:00-18:00

[email protected]

+372 677 0760

Financial service provider is Holm Bank AS. The card issuer is Wallester AS. Consider your decision carefully and review the terms and conditions. If you have any questions or would like advice, please contact us and consult a specialist.

Holm Bank AS

Posti 30, 90504 HaapsaluReg. code 14080830VAT EE101970615

Credit institution license

02.04.2019

Customer service

+372 675 5055[email protected]

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