Credit card 100
Credit Card 100 is a fee-free credit card with no interest or additional charges - you repay exactly the amount you spend. The monthly limit for the card is €100.
Interest rate
0%
ATM
cash withdrawals
Contractual and maintenance fees
€0
Card limit
€100
Tasuta
ostukindlustus
Saadaval ka
Apple Pay ja Google Pay
With the Credit Card 100, you can make payments in retail stores and online shops. You can also add it as a payment card for subscription services, whether it’s food delivery, streaming services, ride-sharing, and more. It is also possible to withdraw money from ATMs with a Holm credit card.
Like all Holm credit cards, purchases made with the Credit Card 100 are protected by purchase insurance. Read more here.
Campaign for card clients
Get 10% of the money back with your Holm card in JYSK stores and online store in November!
Pay for your purchases made in November in JYSK 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 November, returning it to your Holm Bank client account in December.
Credit card with higher limit
Are you interested in a higher limit? Check out the Holm credit card, which has a limit of up to €5,000, a monthly interest rate starting from 1.13%, and the first 15 days after purchase are always interest-free.
Monthly and maintenance fees
€0
Contractual fee
0€
Frequently asked questions
Credit card 100 has no monthly fees or interest.
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.
Purchase insurance applies to all purchases made with any Holm credit card. You can read more about purchase insurance here.
Applications for credit cards can be made by citizens of Estonia and long-term residence permit holders of legal age.
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 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 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
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.
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.
Should your card be lost or stolen, immediately block it via our self-service or app, or by calling us on 677 0760.
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.
The financial services provider is Holm Bank AS. The issuer of the card is Wallester AS. 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, contact us.
Holm Bank AS
Posti 30, 90504 Haapsalu
Commercial Register code
14080830
