X hero credit card

Apply for X hero and use for free for the first 6 months*

Apply for a card

  • Credit limit up to 15 000 Euro
  • Interest-free period of up to 45 days
  • Travel insurance and purchase protection

*100% discount on the fee for the first six (6) months for your main card starting from the 1st of the month after the card is issued.

Individual credit terms

  • Credit limit from 250 to 15,000 Euro, with up to 45 days interest free
  • Individually-set interest rate from 11.9% per year**
  • Minimum monthly payment—5% per month!
  • Use your X hero credit card without a credit limit


Travel insurance and purchase protection

  • When travelling abroad and in Latvia, you are insured for up to 75 000 Euro, including in case of natural disaster
  • All purchases are insured for 120 days from purchase for up to 15 000 Euro


No monthly fee and other opportunities

  • Actively pay with your X hero and receive a discount on the monthly fee of your main card of 50% or 100%
  • Receive up to 1,500 additional X REWARDS points when you actively use your card for purchases***
  • Contactless card, Andriod phone or Apple Pay, wristband or sticker payments


*** Offer applies to X hero and X Platinum cards issued after 03.04.2018 which reach the set amount spent within 6 months of the card being issued.

X REWARDS prizes and discounts

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


Even more opportunities

  • Consumer loan

    Financing of up to 15,000 Euro. Interest rate from 11.9% per year.


  • X Platinum credit card

    Credit limit from 700 to 15,000 Euro, with up to 45 days interest free. Both you and your whole family are insured when travelling abroad and in Latvia for up to 200,000 Euro


  • X smart debit card

    More than a debit card. Make unlimited online Euro transfers in Latvia and throughout Europe.