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Contactless Mastercard Standard

Contactless Mastercard Standard

Possibility to borrow when needed

  • Preferred choice from among credit cards in SEB Bank
  • Credit limit up to EUR 30,000
  • Access to a free credit period up to 45 days
  • Foreign travel insurance, which covers all family members
  • Card usage fee EUR 1.60 per month

Order the card and get it at your home or office address or any other address in Lithuania or abroad.

With this credit card you can:

  • pay for goods or services at usual points of sale in Lithuania and abroad (currency is converted automatically)
  • pay on board the plane, train, at e-shops
  • book a travel ticket or a hotel or rent a car online
  • use the credit up to EUR 30.000
  • possibility to choose credit scheme
  • not have to pay interest, if you opt for the credit limit repayment by variable instalments (5%) method and repay the borrowed amount within 45 days (but not later than on the 15th day of the next month). How to repay credit?
  • contactless card may be used to pay for small purchases, which is simple and quick, without inserting your card in the POS terminal and entering the PIN code. Maximum amount of contactless payment  is EUR 50. Payments in case of larger purchases must be confirmed with the PIN code.
  • withdraw cash at the ATMs of SEB or any other bank in Lithuania and abroad as well as at cash dispensing shops.
  • deposit cash to your bank account free of charge at SEB’s cash-accepting ATMs in Lithuania
  • at SEB ATMs you may securely change your card PIN with the one you prefer

The cardholder and family members travelling together are insured with foreign travel insurance free of charge.

For more detailed information about payment cards, their issuance and use terms as well as applicable fees please contact us at +370 5 268 2800 (I–V 8.00–20.00) or visit a SEB bank unit of your choice.


Before issuing a credit card, the bank must carefully assess your income, financial obligations, etc. The bank is entitled to refuse to issue a credit card without explaining the reasons behind the decision (except where required otherwise by law).

Card issuance and service terms and conditions for its holders
Contactless Mastercard card type credit card
Possibility to hold your own funds in the card yes
Card validity 4 years
Card issuance EUR 3.00
Additional card issuance EUR 3.00
Urgent card issuance8 EUR 30.00
Card usage fee  EUR 1.60 per month1
Card renewal (upon expiry of the card validity) condition2
Maximum amount of total monthly payments and cash withdrawals4 EUR 20.000
Depositing of cash:
Depositing of cash into your own bank account in euros using SEB bank cash-in ATMs in Lithuania free of charge
Total monthly cash deposit limit for all customer accounts and linked cards EUR 10,000 per month limit
Fee, if an individual limit in excess of the standard limit is approved 0.07% of an amount exceeding EUR 10,000 per month
Cash withdrawal
At cash dispensing shops when paying by card an amount not less than EUR 5.00 free of charge from EUR 5.00 up to EUR 100
At ATMs of SEB Bank and other Lithuanian and foreign banks 2% (minimum EUR 3.00)
At a cash desk of another Lithuanian or foreign bank 2% (minimum EUR 5.79)
At partner6 points of sale (equipped with relevant technical means) 2.5% (minimum EUR 4.00)
Monthly statement provided:
On the Internet Bank free of charge
At a sub-branch of SEB Bank EUR 5.00
Credit drawdown fees and terms
Annual interest paid by a customer for the spent credit 17 % 14 %
Portion of the spent credit repayable on a monthly basis 5% of the spent credit (minimum EUR 7.24) 100 %
Free of charge credit period up to 45 days applicable not applicable
Other services
New / changed card dispatch by regular mail within Lithuania free of charge
New / changed card dispatch by registered mail within Lithuania EUR 1.45
New / changed card dispatch by regular mail to a customer abroad EUR 5.79
New card issuance in case of a card loss, damage, forgotten PIN code or in case a customer wishes to replace the card before its expiry date EUR 10.00
Checking the freely available balance of the card account at ATMs of SEB Bank and other Lithuanian or foreign banks5 free of charge
Currency exchange fee, if payment is made in other than the card account currency7 2.65%
Issuance of a copy of the document about the executed transaction, if payment has been made in Lithuania3 EUR 1.45
Issuance of a copy of the document about the executed transaction, if payment has been made abroad3 EUR 5.79
Fee for collecting a new / replaced credit card at the bank’s branch EUR 5.00
Fee for changing the credit limit on a credit card at the bank’s branch EUR 10.00

1 The fee is debited for the previous period on the 28th day of each card validity month. Upon early termination of the card agreement at the customer's request, the bank has the right to apply and debit the fee for the current month.
2 During the last month of the card validity, the card account balance must be 0 (zero) or positive. The card account has not been blocked due to overdue payment of a monthly instalment more than once during the recent 12 (twelve) months’ period.
3 These fees apply, if the customer wishes to receive documents evidencing the payment transaction by the card, and it turns out that the documents contain the cardholder's signature or any other data indicating that the cardholder has paid by the card.
4 The monthly limit for payments and cash withdrawal by a payment card applies for payments online and at points of sale and services, for funds transfer on the Internet bank, cash withdrawal at ATMs, cash desks of other banks, Perlas terminals as well as at cash dispensing shops.
5 Checking the account balance at ATMs of other Lithuanian and foreign banks, if such other banks have provided relevant technical means. Please note that ATMs display the freely available balance of a card account.
6 Cash withdrawal at the terminals of Perlas Finance, UAB.
7 For payment card holder transactions (e.g. payment at a point of sale or online, cash withdrawal at an ATM) by any VISA or MasterCard payment card, if the transaction currency is other than euro, the transaction amount is converted into euro according to the exchange rate set by VISA Europe or MasterCard International and valid on the day of the data processing. The relevant exchange rate applied by the international payment organizations is increased by the bank’s set 2.65% currency exchange fee.
8 This fee is added to the card / additional card issuance fee.

Calculation Sample of the Annual Percentage Rate of Charge (APRC)

If you obtain and use the credit limit of EUR 2,000 available in your credit card account, and the credit period makes 12 months, the total amount to be repaid by the borrower will make EUR 2,292.71 (if 5% fluctuating installment method is selected for the credit repayment) or EUR 2,311.86 (if the credit will be repaid in a lump sum).
The above specified amount includes interest accrued within the credit period (fixed interest rate of 17 per cent (if 5% fluctuating installment method is selected) or 14 per cent (if the credit will be repaid in a lump sum) has been applied in the calculation), the card issuance,  collecting card at the bank’s branch and card use fee (service fees of contactless credit card Mastercard Standard have been included in the calculation) and taking into consideration the selected credit repayment method and repayment day (15th day).

In such case, the annual percentage rate of charge makes 20.80 per cent (if 5% fluctuating installment method is selected for the credit repayment) or 16.75 per cent (if the credit will be repaid in a lump sum). The annual percentage rate of charge and the total amount to be repaid by the borrower has been calculated taking into consideration the selected credit repayment method and the repayment day and making assumptions that the amount of outstanding credit is repaid within 12 months, the bank and the customer fulfil their obligations under the credit agreement within a specified period of time, interest rate and other charges remain the same as they were on the date of entering into the agreement on credit limit, the bank disburses the total credit on the agreement signature date and such amount is not repaid by the credit maturity date.

For more detailed information about payment cards, their issuance and use terms as well as applicable fees please contact us at +370 5 268 2800 (I–V 8.00–20.00) or visit a SEB bank unit of your choice.


Before issuing a credit card, the bank must carefully assess your income, financial obligations, etc. The bank is entitled to refuse to issue a credit card without explaining the reasons behind the decision (except where required otherwise by law).

Contact

  • Private customers
    +370 5 268 2800
    (I–V 8.00–20.00) 
  • Business customers

    +370 5 268 2822
    (I–V 8.00–17.00)
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