X hero credit card

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

Apply for a card

  • Individual credit limitApply for a credit limit of up to 15,000 Euro
  • Interest-free periodTake the opportunity to put off payments for up to 45 days
  • InsuranceBe worry-free and insured when you travel and shop

*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.

Even better insurance

Including Covid-19 illness insurance, bicycle insurance, a help package for your home, and insurance for short trips around Latvia.

Find out more

Individual credit terms

  • 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!
  • 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%
  • Contactless card, Andriod phone or Apple Pay, wristband or sticker payments


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