X credit cards

Apply for an X credit card and use for free for the first 6 months*

  • Individual interest rateReceive a rate from 9.9% per year
  • Interest-free periodTake the opportunity to delay payments for up to 45 days
  • InsuranceBe worry-free and insured when you travel and shop

*100% discount on the fee for the first 6 (six) months for your main card starting from the 1st of the month after the card is issued. Offer only applies to X hero and X Platinum cards.

Even better insurance

Including Covid-19 illness insurance, travel insurance in Latvia, bike policy, help package for home.

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X hero

  • Credit limit from 250 to 15,000 Euro, with up to 45 days interest free
  • Individually-set interest rate from 9.9% per year**
  • Minimum monthly payment — 5% per month!
  • Potential to open and use your card without a credit limit
  • Travel insurance and purchase protection

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X Platinum

  • Credit limit from 700 to 15,000 Euro, with up to 45 days interest free
  • Travel insurance and purchase protection not just for you, but also for your family
  • Individually-set interest rate from 9.9% per year**
  • Minimum monthly payment—5% per month!
  • Potential to open and use your card without a credit limit

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X REWARDS PRIZES AND DISCOUNTS

  • Receive discounts from our partners throughout the Baltics. Special monthly offers on shopping, restaurants, leisure and cultural events
  • Receive X REWARDS points on every online and in-store purchase worldwide (1 Euro = 1 point)
  • Receive 4 or 10x higher REWARDS point rates from our special partners
  • Exchange the points you collect for valuable prizes

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