Holm Bank.Private.Credit card

    Credit card

    Now is a great time to order a card because new cardholders will get 100 euros back when they spend 2000 euros!
    Credit card users will also receive 10% cashback on purchases of household goods at JYSK in November. See below for detailed terms and conditions.

    End-of-year campaign for new clients

    Spend 2000 euros, get 100 euros back

    Monthly interest rate

    from 1.13%

    ATM

    cash withdrawals

    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

    01.11-31.12.2024

    Spend at least 2000 euros using the card

    until the end of this year

    In January 2025 Holm will transfer

    100 euros to your client account at Holm Bank

    You can find detailed terms and conditions under frequently asked questions

    Campaign for new clients

    Offer in Home4you stores and online store

    Get 10% of the money back with your Holm card in Home4you stores and online store in December!

    Pay for your purchases made in December in Home4you stores and online store with your Holm credit card or Credit card 100.

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

    View the campaign
    View the campaign
    Offer in Home4you stores and online store

    Card services department
    8:00-18:00

    [email protected]

    +372 677 0760

    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.
    The interest-free period for credit cards is 15 days for each purchase. Interest is added to the used credit amount from the 16th day.
    Holm Bank AS will send you monthly payment orders indicating the instalment to be paid, the credit limit used, the unused contractual limit, the interest rate applied to the contract and a statement of transactions. Interest is calculated on the loan balance on a monthly basis. Invoiced must be paid by the 10th of the month at the latest. The card will be suspended in the event of arrears. You can always pay off the entire balance indicated on the payment order or a part of that balance, but no less than the amount of the minimum instalment. 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 obligatory!
    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.

    Campaign terms and conditions for new clients

    The campaign applies to new credit card contracts concluded in the period 01.11-31.12.2024.

    The campaign is open to all clients who become Holm credit cardholders in the period 01.11.-31.12.2024 without a previous contract.
    New cardholders who spend 2000 euros during the campaign period will get 100 euros back in January. 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, 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.

    Additional information

    Holm’s services

    Hire purchase
    Hire purchase

    Flexible payments over a longer period

    Loans
    Loans

    Home loan, consumer loans, refinancing loan

    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 29.83% under the following sample conditions: credit limit €2,000, fixed interest rate 24% per annum, total repayments €2,503.41. 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 €2,503.41.

    Holm Bank AS

    Posti 30, 90504 Haapsalu

    Commercial Register code

    14080830

    Date of activity licence decision

    02.04.19

    Customer service

    +372 675 5055[email protected]

    Sales contact

    [email protected]

    Data protection

    [email protected]

    Private customer

    Business customer

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