https://www.citadele.lv/en/private/x-cards/insurance

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X Card Insurance
https://www.citadele.lv/en/private/x-cards/insurance

X card insurance

Now even better insurance terms, starting from from July 1, 2022!

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Insurance for every trip worldwide

The specified limit refers to one case, not a time period

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Insured purchases

Purchase insurance 180 days from the time the purchase was made

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No additional costs

All benefits already included in monthly fee of the card

Travel insurance

X supreme

X prime

X Infinite

Insured risks Insured amount per case
Family members' insurance - Spouse or cohabiting partner, parents, children or grandchildren under the age of 21 traveling together Spouse or cohabiting partner, parents, children or grandchildren under the age of 21 traveling together
Medical expenses (emergency dental care, purchase of medicines, medical evacuation, repatriation, COVID-19) 75 000 EUR 125 000 EUR 300 000 EUR
Travel insurance in the home country*
Luggage insurance:
- delay
- loss, damage, theft
200 EUR 1000 EUR 1500 EUR
Travel inconvenience insurance
- cancellation, suspension of travel, including due to COVID-19 illness
- delay of travel
- missing your transit
250 EUR 1000 EUR 1500 EUR
Flight delay 250 EUR 1000 EUR 1500 EUR
Self-risk coverage under vehicle hire agreement - 1500 EUR 3000 EUR
Sport** Sport activities of any kind, except extreme sport Sport activities of any kind, including extreme sport activities such as mountain skiing and snowboarding, surfing, underwater diving, yacht sports, quad-cycling, motorcycle or snowmobile riding, hockey, deltaplane ride, parachuting, kite surfing Sport activities of any kind, including extreme sport activities such as mountain skiing and snowboarding, surfing, underwater diving, yacht sports, quad-cycling, motorcycle or snowmobile riding, hockey, deltaplane ride, parachuting, kite surfing
Accidents 10 000 EUR 20 000 EUR 50 000 EUR
Total travel insurance amount 75 000 EUR 125 000 EUR 300 000 EUR
Apply for an X supreme Apply for an X prime Contact your private banker

X supreme

Insured risks Insured amount per case
Family members' insurance -
Medical expenses (emergency dental care, purchase of medicines, medical evacuation, repatriation, COVID-19) 75 000 EUR
Travel insurance in the home country*
Luggage insurance:
- delay
- loss, damage, theft
200 EUR
Travel inconvenience insurance
- cancellation, suspension of travel, including due to COVID-19 illness
- delay of travel
- missing your transit
250 EUR
Flight delay 250 EUR
Self-risk coverage under vehicle hire agreement -
Sport** Sport activities of any kind, except extreme sport
Accidents 10 000 EUR
Total travel insurance amount 75 000 EUR
Apply for an X supreme

X prime

Insured risks Insured amount per case
Family members' insurance Spouse or cohabiting partner, parents, children or grandchildren under the age of 21 traveling together
Medical expenses (emergency dental care, purchase of medicines, medical evacuation, repatriation, COVID-19) 125 000 EUR
Travel insurance in the home country*
Luggage insurance:
- delay
- loss, damage, theft
1000 EUR
Travel inconvenience insurance
- cancellation, suspension of travel, including due to COVID-19 illness
- delay of travel
- missing your transit
1000 EUR
Flight delay 1000 EUR
Self-risk coverage under vehicle hire agreement 1500 EUR
Sport** Sport activities of any kind, including extreme sport activities such as mountain skiing and snowboarding, surfing, underwater diving, yacht sports, quad-cycling, motorcycle or snowmobile riding, hockey, deltaplane ride, parachuting, kite surfing
Accidents 20 000 EUR
Total travel insurance amount 125 000 EUR
Apply for an X supreme

X Infinite

Insured risks Insured amount per case
Family members' insurance Spouse or cohabiting partner, parents, children or grandchildren under the age of 21 traveling together
Medical expenses (emergency dental care, purchase of medicines, medical evacuation, repatriation, COVID-19) 300 000 EUR
Travel insurance in the home country*
Luggage insurance:
- delay
- loss, damage, theft
1500 EUR
Travel inconvenience insurance
- cancellation, suspension of travel, including due to COVID-19 illness
- delay of travel
- missing your transit
1500 EUR
Flight delay 1500 EUR
Self-risk coverage under vehicle hire agreement 3000 EUR
Sport** Sport activities of any kind, including extreme sport activities such as mountain skiing and snowboarding, surfing, underwater diving, yacht sports, quad-cycling, motorcycle or snowmobile riding, hockey, deltaplane ride, parachuting, kite surfing
Accidents 50 000 EUR
Total travel insurance amount 300 000 EUR
Contact your private banker

* Insurance for local travel is valid when travelling more than 80 km from your home residence and paying for accommodation for at least 2 days.
Travel insurance is valid for the first 90 calendar days per trip, while the number of trips per year is not limited. Travel insurance amounts are attributed to X card users under 80 years of age (included). Customers over 80 are not insured.
** Insurance is not valid if you participate in competitions of sports as a professional athlete.

For cards X supreme, X prime, X Infinite


The card provides coverage for medical expenses. You will be reimbursed for treatment abroad in case of sudden illness or accident, including a doctor's visit, medication, emergency surgery, emergency dentistry, pregnancy complications, purchase of technical medical aids, and in case of COVID-19.
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For cards X prime and X Infinite


The card covers the cost of cancelling your trip for transport and lodging if you are unable to travel due to a sudden illness, including Covid-19, or accident. If your luggage is delayed (for more than 2 hours), the purchase of essential goods will be reimbursed, as well as the purchase of travel-oriented items such as climate-appropriate clothing or rental of sports equipment
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For cards X prime and X Infinite


The card covers sports activities of any kind, including extreme sport activities for the card user and his/her family members: mountain skiing and snowboarding, surfing, underwater diving, yacht sports, quad-cycling, motorcycle or snowmobile riding, hockey, deltaplane ride, parachuting, kite surfing. Insurance is not valid if the customer participates in competitions of sports as a professional athlete.
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For cards X prime and X Infinite


If your rental vehicle suffers damage during your trip and you have purchased CASCO insurance when renting the vehicle, then your card insurance will cover a self-risk limit of up to 1500 EUR for X prime and up to 3000 EUR for X Infinite card.
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City Combo

For cards X prime, X Platinum and X Infinite

  • NEW- valid all year!
  • Insurance will protect you and your family members if you go on a ride together
  • Insurance against risks of damage and theft not only for your bicycle, but also for electric and kick scooter
  • Riders will be insured against the accidents
  • Civil liability is also insured if you have accidentally caused damage to third parties during your ride

form-fill City Combo insurance policy, valid from 01.07.2022

form-fill Bike insurance policy, valid until 30.06.2022

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Purchase insurance

X supreme

X prime

X Infinite

Insured risks Total insured amount, EUR/insured amount per case, EUR
Theft and robbery, damage 180 days from the moment of purchase (self-risk 50 EUR) 10 000 EUR / 1000 EUR 20 000  EUR / 1500 EUR 40 000 EUR / 1500 EUR
Non-delivery of goods - 500 EUR / 500 EUR 500 EUR / 500 EUR
Extended warranty (the price of the product must be at least 100 EUR) - 1000 EUR / 1000 EUR 1000 EUR / 1000 EUR
Price protection (price difference must be at least 20 EUR) 300 EUR / 300 EUR 500 EUR / 500 EUR 1500 EUR / 1500 EUR
Apply for an X supreme Apply for an X prime Contact your private banker

X supreme

Insured risks Total insured amount, EUR/insured amount per case, EUR
Theft and robbery, damage 180 days from the moment of purchase (self-risk 50 EUR) 10 000 EUR / 1000 EUR
Non-delivery of goods -
Extended warranty (the price of the product must be at least 100 EUR) -
Price protection (price difference must be at least 20 EUR) 300 EUR / 300 EUR
Apply for an X supreme

X prime

Insured risks Total insured amount, EUR/insured amount per case, EUR
Theft and robbery, damage 180 days from the moment of purchase (self-risk 50 EUR) 20 000  EUR / 1500 EUR
Non-delivery of goods 500 EUR / 500 EUR
Extended warranty (the price of the product must be at least 100 EUR) 1000 EUR / 1000 EUR
Price protection (price difference must be at least 20 EUR) 500 EUR / 500 EUR
Apply for an X prime

X Infinite

Insured risks Total insured amount, EUR/insured amount per case, EUR
Theft and robbery, damage 180 days from the moment of purchase (self-risk 50 EUR) 40 000 EUR / 1500 EUR
Non-delivery of goods 500 EUR / 500 EUR
Extended warranty (the price of the product must be at least 100 EUR) 1000 EUR / 1000 EUR
Price protection (price difference must be at least 20 EUR) 1500 EUR / 1500 EUR
Contact your private banker

For cards X supreme, X prime, X Infinite

  • Each purchase is insured against the risk of theft or damage for 180 days from the time of purchase.
  • Lowest price guarantee - If you find an identical item with another retailer cheaper than 20 EUR or more within 30 days of purchase, then the difference will be refunded to you. Price protection insurance is valid in the card user's home country.
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For cards X prime and X Infinite


Electric appliances bought with this card receive 1 extra year of warranty after the expiry of the manufacturer's warranty. Repairs or replacements will work as specified in the manufacturer's warranty.
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For cards X prime and X Infinite


If the item is not delivered within 90 days of purchase and payment, you will be compensated for the purchase price. Insurance protection shall apply to goods for which you have received proof of dispatch of the goods, as well as a refusal by the seller to return the amount paid the goods.
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Apply for an X 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 X card in Citadele mobile app
or online bank

Didn’t find the answer to your question?

Visit our interactive assistant and find the information you need

Interactive assistant
Credit limit

X 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.

  X smart X supreme X 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 X 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.

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

Free transfers within Europe

With X smart, X supreme and X 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.

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 X smart, X supreme, X 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 X 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 X card bank account?

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

How to start to collect X REWARDS points when shopping?

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

What will my X prime monthly card fee be?

Your X 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 X prime card for free by using it actively for purchases in stores and online. Receive a 100% discount on your monthly card fee if you spend a total of €6,000 in 6 months, or a 50% discount if you spend a total of €4,500.

Credit limit

X 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.

  X smart X supreme X 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 X 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.

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

Free transfers within Europe

With X smart, X supreme and X 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.

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 X smart, X supreme, X 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 X 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 X card bank account?

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

How to start to collect X REWARDS points when shopping?

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

What will my X prime monthly card fee be?

Your X 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 X prime card for free by using it actively for purchases in stores and online. Receive a 100% discount on your monthly card fee if you spend a total of €6,000 in 6 months, or a 50% discount if you spend a total of €4,500.

Where to call if there's an accident?

If accident happened after 01.07.2022

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Contact SE Balcia customer service by calling (+371) 65818365 or write an e-mail to citadele@balcia.lv.

Claim online

If accident happened until 30.06.2022

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Contact AAS BTA Baltic Insurance at any time by calling Citadele customer support number (+371) 27774492 (available 24/7) or writing assist@bta.lv.

Claim online