C cards

A card that will be with you daily and will also insure you on all adventures. Choose the right C card for you!

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Choose the best card for you

I'm doing sports during travels
I need insurance for my family

Credit limit needed:

Monthly cash withdrawals:

Average monthly card purchases:

C PRIME

cprime

FREE*

for the first 6 months, afterwards from 5,99 EUR / month

Apply for C prime

C SUPREME

csupreme

FREE*

for the first 3 months, afterwards 2,99 EUR / month

Apply for C supreme

C SMART

csmart

2,20 EUR / month

 

Apply for C smart
Discount to monthly fee
• Spend 6000 EUR within 6 months and use your card with discount
Bring friends and use for free
• Spend 3000 EUR within 6 months and use your card with discount
Bring friends and use for free
• Free for young people aged between 7 and 21
Bring friends and use for free
1500 EUR per month
1000 EUR per month
750 EUR per month
Free online transfers and instant payments throughout Europe
from 700 EUR up to 15 000 EUR
from 350 EUR up to 5000 EUR
from 250 EUR up to 1500 EUR
• Medical expenses, including in case of COVID-19
• luggage insurance
• travel cancellation
• high-risk sports
• accidents
• cancellation, suspension of travel
Basic insurance for you
• medical expenses, including in case of COVID-19
• accidents
-
• Insurance against damage and theft for 180 days from the moment of purchase
• insurance for non-delivery of goods
• extended warranty on electronics: +1 year
• Insurance against damage and theft for 180 days from the moment of purchase
-
For you and your family, when going on a ride together, and your bicycles and scooters all year round
For you and your family, when going on a ride together, and your bicycles and scooters all year round
-
1 EUR = 1 point
1 EUR = 1 point
2 EUR = 1 point**
With Priority Pass card
-
-

C PRIME

cprime

FREE*

for the first 6 months, afterwards from 5,99 EUR / month

Apply for C prime

C SUPREME

csupreme

FREE*

for the first 3 months, afterwards 2,99 EUR / month

Apply for C supreme

C SMART

csmart

2,20 EUR / month

 

Apply for C smart
xprime

C PRIME

FREE*

xsupreme

C SUPREME

FREE*

xsmart

C SMART

2,20 EUR / month

Free for the first 6 months
• Spend 6000 EUR within 6 months and use your card with discount
Bring friends and use for free
1500 EUR per month
from 700 EUR up to 15 000 EUR
• Medical expenses, including in case of COVID-19
• luggage insurance
• travel cancellation
• high-risk sports
• accidents
• cancellation, suspension of travel
• Insurance against damage and theft for 180 days from the moment of purchase
• insurance for non-delivery of goods
• extended warranty on electronics: +1 year
For you and your family, when going on a ride together, and your bicycles and scooters all year round
1 EUR = 1 point
With Priority Pass card
Free for the first 3 months
• Spend 3000 EUR within 6 months and use your card with discount
Bring friends and use for free
1000 EUR per month

from 350 EUR up to 5000 EUR

Basic insurance for you
• medical expenses, including in case of COVID-19
• accidents
• Insurance against damage and theft for 180 days from the moment of purchase
For you and your family, when going on a ride together, and your bicycles and scooters all year round
1 EUR = 1 point
-
-
• Free for young people aged between 7 and 21
Bring friends and use for free
750 EUR per month
from 250 EUR up to 1500 EUR
-
-
-
-
2 EUR = 1 point**
-


* Existing customers get standard 6-month free period when they change their C smart or C supreme card to C prime. The free period is invalid when you change the color of the card or change C prime card for C supreme. The offer can not be applied for clients with temporary residence permit, foreigner work visa or foreigner students.
** Only for customers aged 7-21.

If you have X card

  • All of your X card benefits remain as usual. They will be exactly the same for the C card. After your X card expires, we'll renew it to the same level C card.
  • If you want to find out your X card limits, insurance coverage, etc., see the benefits of the corresponding level C card.
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Bring your friends and get more!

  • Bring your friends and get a 6 month free period for your card for each friend you bring.
  • Bring 2 friends, you'll get 2 Apollo Kino tickets from us in addition.
  • Bringing 4 friends will get you a payment ring with no application fee (standard: 1500 C REWARDS points) and no monthly fees for a year!
  • Your friends will also get to use their C card for free for 6 months.
  • The number of friends brought and free periods granted for them is unlimited!
  • The offer is valid for C card and X card users from April 1 to December 31, 2024.* Discounts do not add up.

* The offer can not be applied for clients with temporary residence permit, foreigner work visa or foreigner students.

Bring a friend

form-fill Rules

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C REWARDS prizes and discounts

Get even more from your card - Citadele card rewards you for shopping!

  • When you sign up for the C REWARDS program (it’s free), you collect points for each purchase to get the prize of your choice.
  • Exchange points for free coffee, cinema ticket or restaurant meal, Wolt vouchers or other prizes from our shopping, gourmet and leisure offering.
  • Receive monthly special offers and benefit from discounts with our partners in shops, cafes and entertainment venues.
More on C REWARDS
travel without limits
travel without limits

Card insurance

Travel and purchase insurance for more exciting everyday life - all included in the monthly fee of the card!
Find out what benefits you can get straight away.


Learn more

Active user discount

Do you want to use the card more profitably? It's possible!
Make everyday purchases actively with C prime and C supreme cards to receive a discount for the monthly fee of your main card.

Learn more
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Apply for C card without visiting a branch

Apply remotely and become a Citadele customer today.

You will be able to use the online bank and digital services immediately.

You will receive your card by mail within 3 business days.

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For customers

Order your new card in mobile app
or Online bank

Apply for a credit limit


A credit imit will give you flexibility in planning your finances and a sense of security when making larger purchases or when faced with unplanned expenses.

  • Credit limit up to 15 000 EUR for C prime card and up to 5000 EUR for C supreme
  • A personally-calculated interest rate starting from 12,9% per year**
  • No fee for unused credit
  • Minimum credit repayment: just 5% per month
  • Up to 45 days interest free
  • You can repay the credit you spend gradually, and pay at least 5% of the amount spent by the 15th of every month. Interest will be calculated from the remaining balance

** The lowest available interest rate. Assuming that the credit limit is 1500 EUR and the interest rate is 12,9% per year, the Annual Percentage Rate (APR) is 17.9%.

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A credit imit will give you flexibility in planning your finances and a sense of security when making larger purchases or when faced with unplanned expenses.

  • Credit limit up to 1500 EUR
  • Fixed interest rate of 28% per year***
  • No fee for unused credit
  • Minimum credit repayment: just 5% per month
  • You can repay the credit you spend gradually, and pay at least 5% of the amount spent by the 15th of every month. Interest will be calculated from the remaining balance

*** Assuming that the credit limit is 500 EUR and the interest rate is 28% per year, the Annual Percentage Rate (APR) is 41%.

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Why choose C card?


  • Change the PIN code for your payment card, wristband or ring even if you can't remember the old one.
  • Make transfers and instant payments.
  • Block and unblock cards, and order new ones.
  • Apply for a consumer or car loan, as long as you have done a credit rating evaluation in the online bank or at a branch.
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  • Add your card and use Apple Pay, Google Pay, Fitbit Pay or Garmin Pay.
  • Pay to a phone number.
  • Use a payment wristband or ring
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  • Use the interactive assistant to find answers to most questions.
  • Message us 24/7 in the mobile app chat
  • Contact us via online bank notifications or by email: info@citadele.lv.
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A card in your pocket in 3 days

Download the app and become a Citadele customer in 7 minutes

Already a customer? Order a new card through the online bank

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Didn’t find the answer to your question?

Visit our interactive assistant and find the information you need

Interactive assistant
Credit limit

C card will help you be more flexible in planning your finances. Your credit limit will give you a feeling of safety and support when making larger purchases or when coming across unplanned expenses.

Use the opportunity to apply for an individually tailored interest rate with a credit limit, which is tailored to your desires and possibilities.

  C smart C supreme C prime
Interest rate 28% From 12.9% From 12.9%
Max amount available 1500 EUR 5000 EUR 15 000 EUR

Without a credit limit
If you don’t need a credit limit right now, apply for and use your C card without one. You will have access to all the advantages of the card both for daily purchases and for travels. Apply for a credit limit when needed!

Interest-free period of up to 45 days
A chance to use credit for free!

Up to 45 days interest-free—there is a period for which interest on your balance is not calculated. If you fully repay the credit you use before the 15th of the next month, you won’t have to pay interest.

Minimum repayment—just 5% per month
You can plan to repay your balance in a way that is easiest for you:

  • you can gradually repay your balance by making the minimum repayment of 5% before the 15th of every month, with interest being calculated on the remaining balance; 
  • if you plan on making repayments over a specific period of time, you may find it easier to pay a set amount every month;
  • if you repay your full balance before the 15th of the next month, you will not be charged interest.

Apply for a creditlimit

To apply for a credit limit, you must be at least 18 years old, with a positive credit history and regular monthly income.

How do I activate my card using the Online banking?

To activate your card in the online bank: 

1. Go to "Accounts and Cards"

2. Select “Activate card” from the left-hand column. Activate by entering the final five digits of your card.

3. Confirm the activation with one of your authorisation tools: a code from your code card, a code from your code calculator or a MobileSCAN code.

Activate within 90 days of receiving the card, otherwise the card will be closed. Even if you use Apple pay or Google pay, the plastic card must be activated within 90 days.

If you have problems accessing the Internet bank see information here.

How do I activate my card in the Citadele app?

To activate your card in the Citadele mobile app:

1. Go to “Cards” and select your new card;

2. Enter the last 5 digits of the card number;

3. Confirm the activation using one of your authorisation devices: MobileSCAN PIN code, fingerprint, face recognition, or a code from your code card or code calculator. That’s all—you can start using your card.

Activate within 90 days of receiving the card, otherwise the card will be closed. Even if you use Apple pay or Google pay, the plastic card must be activated within 90 days.

Don't have the Citadel app yet? Take a look here.
If there is a problem accessing the app, see here.

Free transfers within Europe

With C smart, C supreme and C prime you can make unlimited online Euro transfers for free to Latvia and the whole of Europe as part of the Single Euro Payment Area.

Single Euro Payment Area (SEPA) payments are Euro payments to European Union member states and European Economic Area countries. For this type of payment to go ahead, the payment must indicate:

  • Recipient IBAN number. 
  • Commission type: SHA (shared)
  • Payment type: Standard

SEPA includes the following 28 European Union member states: United Kingdom, Austria, Belgium, Bulgaria, Czech Republic, Denmark, France, Greece, Croatia, Estonia, Ireland, Italy, Cyprus, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Finland, Spain, Hungary, Germany and Sweden as well as Iceland, Liechtenstein, Norway and Switzerland.

What will my C prime monthly card fee be?

Your C prime monthly card fee depends on your credit limit.

Creditlimit Monthly fee
0-5000 EUR 5.99 EUR
5001 - 10000 EUR 6.99 EUR
10001 - 15000 EUR 7.99 EUR

How do I receive a discount on my monthly card fee?

Use your C prime card for free by using it actively for purchases in stores and online. Receive a 50 % discount on your monthly card fee if you spend a total of  6000 EUR in 6 months, or a 25 % discount if you spend a total of 4500 EUR.

How to start to collect C REWARDS points when shopping?

Register for the C REWARDS programme and receive C REWARDS points on all purchases online and in stores worldwide (with C smart 2 EUR=1 point, C supreme, C prime 1 EUR = 1 point). Register through xrewards.lv, the Citadele app or online bank.

Payments

To which countries free money transfers can be made?

You can make an unlimited number of free electronic transfers and payments in Euro from your C smart, C supreme, C prime account to any European Union bank account free within the Single Euro Payment Area (SEPA).

Can I make payments to other countries or in a different currency from my C card account?

Yes. Note that in accordance with the Price list a fee will be applied for the currency conversion.

Can I make instant payments from my C card bank account?

As Citadele supports Instant Payments, you will be able to make Instant Payments from your C smart, C supreme, C prime account to any bank which supports instant payments. The money is transferred within seconds.

More questions
Credit limit

C card will help you be more flexible in planning your finances. Your credit limit will give you a feeling of safety and support when making larger purchases or when coming across unplanned expenses.

Use the opportunity to apply for an individually tailored interest rate with a credit limit, which is tailored to your desires and possibilities.

  C smart C supreme C prime
Interest rate 28% From 12.9% From 12.9%
Max amount available 1500 EUR 5000 EUR 15 000 EUR

Without a credit limit
If you don’t need a credit limit right now, apply for and use your C card without one. You will have access to all the advantages of the card both for daily purchases and for travels. Apply for a credit limit when needed!

Interest-free period of up to 45 days
A chance to use credit for free!

Up to 45 days interest-free—there is a period for which interest on your balance is not calculated. If you fully repay the credit you use before the 15th of the next month, you won’t have to pay interest.

Minimum repayment—just 5% per month
You can plan to repay your balance in a way that is easiest for you:

  • you can gradually repay your balance by making the minimum repayment of 5% before the 15th of every month, with interest being calculated on the remaining balance; 
  • if you plan on making repayments over a specific period of time, you may find it easier to pay a set amount every month;
  • if you repay your full balance before the 15th of the next month, you will not be charged interest.

Apply for a creditlimit

To apply for a credit limit, you must be at least 18 years old, with a positive credit history and regular monthly income.

How do I activate my card using the Online banking?

To activate your card in the online bank: 

1. Go to "Accounts and Cards"

2. Select “Activate card” from the left-hand column. Activate by entering the final five digits of your card.

3. Confirm the activation with one of your authorisation tools: a code from your code card, a code from your code calculator or a MobileSCAN code.

Activate within 90 days of receiving the card, otherwise the card will be closed. Even if you use Apple pay or Google pay, the plastic card must be activated within 90 days.

If you have problems accessing the Internet bank see information here.

How do I activate my card in the Citadele app?

To activate your card in the Citadele mobile app:

1. Go to “Cards” and select your new card;

2. Enter the last 5 digits of the card number;

3. Confirm the activation using one of your authorisation devices: MobileSCAN PIN code, fingerprint, face recognition, or a code from your code card or code calculator. That’s all—you can start using your card.

Activate within 90 days of receiving the card, otherwise the card will be closed. Even if you use Apple pay or Google pay, the plastic card must be activated within 90 days.

Don't have the Citadel app yet? Take a look here.
If there is a problem accessing the app, see here.

Free transfers within Europe

With C smart, C supreme and C prime you can make unlimited online Euro transfers for free to Latvia and the whole of Europe as part of the Single Euro Payment Area.

Single Euro Payment Area (SEPA) payments are Euro payments to European Union member states and European Economic Area countries. For this type of payment to go ahead, the payment must indicate:

  • Recipient IBAN number. 
  • Commission type: SHA (shared)
  • Payment type: Standard

SEPA includes the following 28 European Union member states: United Kingdom, Austria, Belgium, Bulgaria, Czech Republic, Denmark, France, Greece, Croatia, Estonia, Ireland, Italy, Cyprus, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Finland, Spain, Hungary, Germany and Sweden as well as Iceland, Liechtenstein, Norway and Switzerland.

What will my C prime monthly card fee be?

Your C prime monthly card fee depends on your credit limit.

Creditlimit Monthly fee
0-5000 EUR 5.99 EUR
5001 - 10000 EUR 6.99 EUR
10001 - 15000 EUR 7.99 EUR

How do I receive a discount on my monthly card fee?

Use your C prime card for free by using it actively for purchases in stores and online. Receive a 50 % discount on your monthly card fee if you spend a total of  6000 EUR in 6 months, or a 25 % discount if you spend a total of 4500 EUR.

How to start to collect C REWARDS points when shopping?

Register for the C REWARDS programme and receive C REWARDS points on all purchases online and in stores worldwide (with C smart 2 EUR=1 point, C supreme, C prime 1 EUR = 1 point). Register through xrewards.lv, the Citadele app or online bank.

Payments

To which countries free money transfers can be made?

You can make an unlimited number of free electronic transfers and payments in Euro from your C smart, C supreme, C prime account to any European Union bank account free within the Single Euro Payment Area (SEPA).

Can I make payments to other countries or in a different currency from my C card account?

Yes. Note that in accordance with the Price list a fee will be applied for the currency conversion.

Can I make instant payments from my C card bank account?

As Citadele supports Instant Payments, you will be able to make Instant Payments from your C smart, C supreme, C prime account to any bank which supports instant payments. The money is transferred within seconds.

Other application methods

online banking

Get your card within 15 minutes

No time to wait? Go to the branches Citadele, Spice, Liepāja and Daugavpils branches and receive your card immediately.

Apply
branch

Branch

Make an appointment by filling out the form

Find your nearest branch
online banking

Get your card within 15 minutes

No time to wait? Go to the branches Citadele, Spice, Liepāja and Daugavpils branches and receive your card immediately.

Apply
branch

Branch

Make an appointment by filling out the form

Find your nearest branch

More opportunities

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Small home loan

Financing up to 20 000 EUR for purchasing, renovating or furnishing. With no deposit, collateral and security.
Learn more
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Consumer loan

Financing of up to 20 000 EUR to help with your plans. With no deposit, collateral and security.
Learn more
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Mortgage loan

Financing with an ALTUM guarantee of up to 95% for your house, apartment, construction or ambitious renovations.
Learn more
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Mobile app

Use the bank’s services at a time and place convenient to you. Confirm payments using your face or fingerprint.
Learn more
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Leasing

Financing of up to 90% for the purchase of a vehicle. Great terms even if you are not a Citadele customer. Apply and receive a reply within 2 hours.
Learn more