{"id":21725,"date":"2025-09-22T00:47:53","date_gmt":"2025-09-21T22:47:53","guid":{"rendered":"https:\/\/moneyhub.ee\/?p=21725"},"modified":"2025-09-24T01:07:22","modified_gmt":"2025-09-23T23:07:22","slug":"best-credit-cards-estonia","status":"publish","type":"post","link":"https:\/\/moneyhub.ee\/en\/useful\/articles\/best-credit-cards-estonia\/","title":{"rendered":"The best credit cards to use in Estonia"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"21725\" class=\"elementor elementor-21725\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5d7efb58 e-flex e-con-boxed e-con e-parent\" data-id=\"5d7efb58\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-32d40bf6 elementor-widget elementor-widget-shortcode\" data-id=\"32d40bf6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><\/p><\/nav><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1e4750ba e-flex e-con-boxed e-con e-parent\" data-id=\"1e4750ba\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-a047e75 ddddf e-flex e-con-boxed e-con e-child\" data-id=\"a047e75\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-20c9d99a elementor-widget elementor-widget-heading\" data-id=\"20c9d99a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Discover top credit cards to use in Estonia, options tailored to your lifestyle and budget. Find the perfect fit for your financial needs. <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-18b94166 e-flex e-con-boxed e-con e-parent\" data-id=\"18b94166\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-13e8adb2 elementor-widget elementor-widget-image\" data-id=\"13e8adb2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"450\" src=\"https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/09\/The-best-credit-cards-to-use-in-Estonia.jpg\" class=\"attachment-full size-full wp-image-21728\" alt=\"The best credit cards to use in Estonia\" srcset=\"https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/09\/The-best-credit-cards-to-use-in-Estonia.jpg 800w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/09\/The-best-credit-cards-to-use-in-Estonia-300x169.jpg 300w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/09\/The-best-credit-cards-to-use-in-Estonia-1024x576.jpg 1024w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/09\/The-best-credit-cards-to-use-in-Estonia-768x432.jpg 768w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/09\/The-best-credit-cards-to-use-in-Estonia-1536x864.jpg 1536w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/09\/The-best-credit-cards-to-use-in-Estonia-2048x1152.jpg 2048w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-19d502c4 e-flex e-con-boxed e-con e-parent\" data-id=\"19d502c4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-175f64b5 elementor-widget elementor-widget-text-editor\" data-id=\"175f64b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h1><b>The best credit cards to use in Estonia<\/b><\/h1><p><span style=\"font-weight: 400;\">Looking for a<\/span><a href=\"https:\/\/moneyhub.ee\/en\/money\/credit-cards\/\"> <span style=\"font-weight: 400;\">credit card in Estonia?<\/span><\/a><\/p><p><span style=\"font-weight: 400;\">This article lists the best options, their features and how to choose the right one for you.<\/span><\/p><p><span style=\"font-weight: 400;\">Using a credit card in Estonia has many benefits for residents and travellers:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A secure and convenient payment method, especially when travelling.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A safer alternative to carrying large amounts of cash, reducing the risk of theft and loss.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Major credit cards like Visa and MasterCard are accepted at most hotels, larger stores and restaurants, so you have reliable payment options.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Access to short-term loans to manage unexpected financial needs like urgent travel or medical emergencies.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Here are some recommended credit cards for different needs:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>For frequent travellers: Swedbank Mastercard Gold Revolving Credit Card<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>For luxury perks: Swedbank Platinum Credit Card<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>For comprehensive insurance: LHV Gold Credit Card<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>For frequent flyers: LHV Premium Credit Card<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>For cashback rewards: Holm Credit Card<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>For everyday use: Luminor Black Payment Card<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>For high spenders: Luminor VISA Infinite Credit Card<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>For flexible repayment: Placet Group Credit Card<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>For financial management: SEB Credit Card<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>For premium benefits: SEB Premium Credit Card<\/b><\/li><\/ul><p><span style=\"font-weight: 400;\">Credit cards also offer rewards that can be beneficial, such as travel insurance and purchase protection. They are a good option for those who travel frequently or make large purchases with their card. And credit cards allow you to buy goods and services or withdraw cash using borrowed money, so you have a financial safety net when needed.<\/span><\/p><p><span style=\"font-weight: 400;\">However, it is essential to manage credit cards responsibly to avoid financial difficulties.<\/span><\/p><h2><b>Swedbank Mastercard Gold Revolving Credit Card &#8211; for frequent travellers<\/b><\/h2><p><img decoding=\"async\" class=\"alignnone wp-image-1271 size-medium\" src=\"https:\/\/moneyhub.ee\/wp-content\/uploads\/2023\/10\/swed_gold-300x194.png\" alt=\"\" width=\"300\" height=\"194\" srcset=\"https:\/\/moneyhub.ee\/wp-content\/uploads\/2023\/10\/swed_gold-300x194.png 300w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2023\/10\/swed_gold-768x496.png 768w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2023\/10\/swed_gold.png 800w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p><p><span style=\"font-weight: 400;\">Price: 5.99 euros\/month<\/span><\/p><p><span style=\"font-weight: 400;\">Features:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Annual interest rate: 17-20%<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Free cash withdrawals: up to 500 euros\/month<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Pros:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Travel insurance including medical assistance up to 1,000,000 euros<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Complimentary access to Mastercard Airport Security Fast Track service<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Manageable through the Swedbank app<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Cons:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">With a higher annual interest rate, the Swedbank Mastercard Gold Revolving Credit Card stands out for its travel benefits. Frequent travellers will appreciate the travel insurance, which includes medical assistance of up to \u20ac 1,000,000 for the cardholder and their family members. The card also offers complimentary access to the Mastercard Airport Security Fast Track service, making airport experiences smoother and less stressful.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Another feature is the ability to withdraw up to \u20ac 500 per month without any commission fees, providing easy access to cash when needed. But the card has a higher annual interest rate of 17-20%, which might not be suitable for everyone.<\/span><\/p><p><span style=\"font-weight: 400;\">Despite that, the<\/span><a href=\"https:\/\/swedbank.ee\/private\/cards\/credit\/mc-gold-revolving?language=ENG\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400;\">Swedbank Mastercard Gold Revolving Credit Card<\/span><\/a><span style=\"font-weight: 400;\"> is a good choice for those who travel frequently and want to utilise travel-related perks and have easy access to cash.<\/span><\/p><p><span style=\"font-weight: 400;\">Rating:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Price: 4\/5<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Travel Benefits: 5\/5<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ease of Use: 4\/5<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interest Rate: 3\/5<\/span><\/li><\/ul><h2><b>Swedbank Platinum Credit Card &#8211; for luxury perks<\/b><\/h2><p><img decoding=\"async\" class=\"alignnone size-medium wp-image-1274\" src=\"https:\/\/moneyhub.ee\/wp-content\/uploads\/2023\/10\/swed_platinum_card-300x189.png\" alt=\"\" width=\"300\" height=\"189\" srcset=\"https:\/\/moneyhub.ee\/wp-content\/uploads\/2023\/10\/swed_platinum_card-300x189.png 300w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2023\/10\/swed_platinum_card-768x484.png 768w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2023\/10\/swed_platinum_card.png 800w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p><p><span style=\"font-weight: 400;\">Price: 14.90 euros\/month<\/span><\/p><p><span style=\"font-weight: 400;\">Features:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Credit limit from 300 euros<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interest-free period: up to 40 days<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Pros:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Access to over 1,000 airport lounges<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Enjoy free roaming data of up to 5 GB annually in over 200 destinations. You also receive a 180-day purchase insurance policy. This covers your purchases during that time frame.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Cons:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Higher monthly fee than other cards<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">The<\/span><a href=\"https:\/\/www.swedbank.ee\/private\/cards\/credit\/mc-platinum?language=ENG\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400;\">Swedbank Platinum Credit Card<\/span><\/a><span style=\"font-weight: 400;\"> is ideal for those seeking a touch of luxury in their financial tools. Cardholders can enjoy access to over 1,000 airport lounges worldwide, so travel is more comfortable and enjoyable. And free roaming data for up to 5 GB annually in over 200 destinations, so you stay connected wherever you go.<\/span><\/p><p><span style=\"font-weight: 400;\">The card also has 180-day purchase insurance, covering various incidents for the cardholder and their family. However, the card has a higher monthly fee of \u20ac 14.90, which may not be suitable for everyone. However, for those who value luxury perks and travel frequently, the Swedbank Platinum Credit Card is a good value and convenient.<\/span><\/p><p><span style=\"font-weight: 400;\">Rating:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Price: 3\/5<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Luxury Benefits: 5\/5<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Travel Benefits: 4\/5<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interest Rate: 4\/5<\/span><\/li><\/ul><h2><b>LHV Gold Credit Card &#8211; for comprehensive insurance<\/b><\/h2><h2><b><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-1250\" src=\"https:\/\/moneyhub.ee\/wp-content\/uploads\/2023\/10\/LHV_gold-1-300x189.png\" alt=\"\" width=\"300\" height=\"189\" srcset=\"https:\/\/moneyhub.ee\/wp-content\/uploads\/2023\/10\/LHV_gold-1-300x189.png 300w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2023\/10\/LHV_gold-1-768x485.png 768w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2023\/10\/LHV_gold-1.png 800w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\u00a0<\/b><\/h2><p><span style=\"font-weight: 400;\">Price: 7 euros\/month<\/span><\/p><p><span style=\"font-weight: 400;\">Features:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interest-free period: Up to 40 days<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Broad-cover travel insurance<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Pros:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Purchase protection for durable goods<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flexible repayment management through the LHV mobile app<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Cons:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interest rate from 16%<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">The<\/span><a href=\"https:\/\/www.lhv.ee\/en\/gold-credit-card\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400;\">LHV Gold Credit Card<\/span><\/a><span style=\"font-weight: 400;\"> is designed for individuals seeking comprehensive insurance coverage. This card offers comprehensive travel insurance, valid for trips of up to 90 days anywhere in the world, allowing you to travel with peace of mind. And purchase protection for durable goods, so items bought with the card are covered for 180 days against unexpected breakage or theft.<\/span><\/p><p><span style=\"font-weight: 400;\">Cardholders can also enjoy an interest-free period up to 40 days on purchases, so you have flexibility in financial management. While the card has a higher monthly fee of \u20ac 7 and an interest rate of 16%, the insurance benefits are worth it for those who value security and protection.<\/span><\/p><p><span style=\"font-weight: 400;\">Rating:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Price: 4\/5<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Insurance Benefits: 5\/5<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flexibility: 4\/5<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interest Rate: 3\/5<\/span><\/li><\/ul><h2><b>LHV Premium Credit Card &#8211; for frequent flyers<\/b><\/h2><p><span style=\"font-weight: 400;\">Price: 20 euros\/month<\/span><\/p><p><span style=\"font-weight: 400;\">Features:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interest-free period: Up to 40 days<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No currency conversion fees<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Pros:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Priority access to airport VIP lounges<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Extensive travel benefits, including complimentary family travel insurance and other benefits<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Cons:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Higher monthly fee<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">The<\/span><a href=\"https:\/\/www.lhv.ee\/en\/premium-credit-card\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400;\">LHV Premium Credit Card<\/span><\/a><span style=\"font-weight: 400;\"> is designed for frequent flyers, offering a range of premium travel benefits. Cardholders enjoy priority lounge access to airport VIP lounges, making travel more comfortable and relaxing. And Fast Track services at airports, so you can skip security lines and save time.<\/span><\/p><p><span style=\"font-weight: 400;\">Another significant advantage is the comprehensive travel insurance that covers all family members travelling, allowing you to travel with peace of mind. However, the card has a higher monthly fee of \u20ac 20, which may not be suitable for everyone.<\/span><\/p><p><span style=\"font-weight: 400;\">Despite the cost, the LHV Premium Credit Card is an excellent value for frequent flyers, offering travel benefits and no currency conversion fees, making it a top choice for international travellers.<\/span><\/p><p><span style=\"font-weight: 400;\">Rating:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Price: 3\/5<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Travel Benefits: 5\/5<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flexibility: 4\/5<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interest Rate: 4\/5<\/span><\/li><\/ul><h2><b>Holm Credit Card &#8211; Best for cashback rewards\u00a0<\/b><\/h2><p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-1235\" src=\"https:\/\/moneyhub.ee\/wp-content\/uploads\/2023\/10\/holm_liisi-300x195.png\" alt=\"\" width=\"300\" height=\"195\" srcset=\"https:\/\/moneyhub.ee\/wp-content\/uploads\/2023\/10\/holm_liisi-300x195.png 300w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2023\/10\/holm_liisi-768x500.png 768w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2023\/10\/holm_liisi.png 800w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p><p><span style=\"font-weight: 400;\">Price: 100 euros cashback on spending 2,000 euros; Monthly interest rate from 1.2%<\/span><\/p><p><span style=\"font-weight: 400;\">Features:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">15-day interest-free period<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">10% cashback at Tuhat1 Kodumasinat stores<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Pros:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Immediate savings through cash rewards<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No monthly fees<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Cons:<\/span><\/p><p><span style=\"font-weight: 400;\">The<\/span><a href=\"https:\/\/www.holmbank.ee\/en\/private-individual\/credit-card\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400;\">Holm Credit Card<\/span><\/a><span style=\"font-weight: 400;\"> is great for cashback enthusiasts. Cardholders can receive 100 euros in cash back after spending 2,000 euros within the campaign period. And 10% cashback on purchases at Tuhat1 Kodumasinat stores, so you save on everyday expenses.<\/span><\/p><p><span style=\"font-weight: 400;\">The card offers a 15-day interest-free period, making it suitable for short-term financial needs. One of the best features of the Holm Credit Card is that it has no monthly fees, allowing you to maximise your savings. However, the 15-day interest-free period may be too short for some users.<\/span><\/p><p><span style=\"font-weight: 400;\">Overall, the Holm Credit Card is an excellent option for cash-back lovers and those seeking a convenient payment solution.<\/span><\/p><p><span style=\"font-weight: 400;\">Rating:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Price: 5\/5<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cashback Rewards: 5\/5<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flexibility: 4\/5<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interest Rate: 4\/5<\/span><\/li><\/ul><h2><b>Luminor Black Payment Card &#8211; for everyday use<\/b><\/h2><p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-1253\" src=\"https:\/\/moneyhub.ee\/wp-content\/uploads\/2023\/10\/luminor-black-300x190.png\" alt=\"\" width=\"300\" height=\"190\" srcset=\"https:\/\/moneyhub.ee\/wp-content\/uploads\/2023\/10\/luminor-black-300x190.png 300w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2023\/10\/luminor-black-768x486.png 768w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2023\/10\/luminor-black.png 800w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p><p><span style=\"font-weight: 400;\">Price: Not specified<\/span><\/p><p><span style=\"font-weight: 400;\">Features:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flexible payment solutions<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Enhanced security features<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Pros:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Easy management of daily expenses through the app<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Enhanced security features to prevent fraud<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Cons:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">None<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">The Luminor Black Payment Card is for everyday use:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flexible payment solutions for your daily spending.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Easy management of daily expenses through the app, so you can track your spending and stay within budget.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Enhanced security features to prevent fraudulent transactions so that you can have peace of mind.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">No cons are specified, but the<\/span><a href=\"https:\/\/www.luminor.lt\/en\/private\/luminor-black\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400;\">Luminor Black Payment Card<\/span><\/a><span style=\"font-weight: 400;\"> stands out for usability and security. Ideal for individuals seeking a dependable payment method for everyday purchases.<\/span><\/p><p><span style=\"font-weight: 400;\">Rating:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Price: 4\/5<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Everyday Usability: 5\/5<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Security Features: 5\/5<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flexibility: 4\/5<\/span><\/li><\/ul><h2><b>Luminor VISA Infinite Credit Card &#8211; for high spenders<\/b><\/h2><p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-1232\" src=\"https:\/\/moneyhub.ee\/wp-content\/uploads\/2023\/10\/387343318_6797156393661534_3150490124535757681_n-1-300x191.png\" alt=\"\" width=\"300\" height=\"191\" srcset=\"https:\/\/moneyhub.ee\/wp-content\/uploads\/2023\/10\/387343318_6797156393661534_3150490124535757681_n-1-300x191.png 300w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2023\/10\/387343318_6797156393661534_3150490124535757681_n-1-768x489.png 768w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2023\/10\/387343318_6797156393661534_3150490124535757681_n-1.png 800w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p><p><span style=\"font-weight: 400;\">Price: Not specified<\/span><\/p><p><span style=\"font-weight: 400;\">Features:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">High credit limits<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Travel and purchase protections<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Pros:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Luxury benefits and travel benefits<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">High credit limits for big spenders<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Cons:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">None<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">The<\/span><a href=\"https:\/\/luminor.ee\/retail\/luminor-visa-infinite-credit-card?static=true\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400;\">Luminor VISA Infinite Credit Card<\/span><\/a><span style=\"font-weight: 400;\"> is for high spenders who want premium benefits and protections. Key features:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">High credit limits for big spenders<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Luxury benefits<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Travel benefits to enhance the spending experience<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Purchase protections against theft, loss and damage<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">No cons are specified, but the Luminor VISA Infinite Credit Card is ideal for affluent users seeking high credit limits and premium benefits.<\/span><\/p><p><span style=\"font-weight: 400;\">Rating:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Price: 4\/5<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">High Spending Capacity: 5\/5<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Luxury Benefits: 5\/5<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Security Features: 5\/5<\/span><\/li><\/ul><h2><b>Placet Group Credit Card &#8211; for flexible repayment<\/b><\/h2><p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-1259\" src=\"https:\/\/moneyhub.ee\/wp-content\/uploads\/2023\/10\/placet-300x190.png\" alt=\"\" width=\"300\" height=\"190\" srcset=\"https:\/\/moneyhub.ee\/wp-content\/uploads\/2023\/10\/placet-300x190.png 300w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2023\/10\/placet-768x486.png 768w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2023\/10\/placet.png 800w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p><p><span style=\"font-weight: 400;\">Price: Varies based on usage<\/span><\/p><p><span style=\"font-weight: 400;\">Features:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Annual interest rate 18%-40%<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flexible repayment options, including cashback through White card<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Pros:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flexible repayment options<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cashback and interest-free periods<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Cons:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Higher interest rates than some other bank cards. The<\/span><a href=\"https:\/\/placet.ee\/en\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400;\">Placet Group New Credit Card<\/span><\/a><span style=\"font-weight: 400;\"> is designed for individuals who require repayment flexibility. It offers flexible repayment options, cashback through the White Card, and up to 45 days of interest-free credit with the Black Card. This flexibility is ideal for any financial situation, whether you need to manage unexpected expenses or take advantage of cashback rewards.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">But the annual interest rates can vary from 18% to 40%, which might be a concern for some users. Despite the higher rates, the Placet Group Credit Card stands out for its flexibility and ability to cater to different financial situations.<\/span><\/p><p><span style=\"font-weight: 400;\">Rating:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Price: 3\/5<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flexibility: 5\/5<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cashback Rewards: 4\/5<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interest Rate: 2\/5<\/span><\/li><\/ul><h2><b>SEB Credit Card &#8211; Best for financial management<\/b><\/h2><p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-1265\" src=\"https:\/\/moneyhub.ee\/wp-content\/uploads\/2023\/10\/seb_master_gold-300x194.png\" alt=\"\" width=\"300\" height=\"194\" srcset=\"https:\/\/moneyhub.ee\/wp-content\/uploads\/2023\/10\/seb_master_gold-300x194.png 300w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2023\/10\/seb_master_gold-768x496.png 768w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2023\/10\/seb_master_gold.png 800w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p><p><span style=\"font-weight: 400;\">Price: Monthly fees from 1.60 to 30 euros.<\/span><\/p><p><span style=\"font-weight: 400;\">Features:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interest-free period up to 45 days<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Purchase insurance up to 180 days<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Pros:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Credit limits based on responsible credit use<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Financial management tools<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Cons:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fees vary depending on the plan<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">SEB Credit Card is an excellent tool for financial management:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Enjoy an interest-free period of up to 45 days to manage your payments effectively.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Purchase insurance for theft or damage of items purchased with the card up to 180 days.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flexible credit limits to fit your financial needs so that you can manage bigger expenses.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Fees vary depending on the plan, but the<\/span><a href=\"https:\/\/www.seb.ee\/en\/private\/cards\/credit-card-predetermined-repayment\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400;\">SEB Credit Card<\/span><\/a><span style=\"font-weight: 400;\"> offers financial management tools to help you stay on top of your finances. Perfect for those who want to organise their finances and security.<\/span><\/p><p><span style=\"font-weight: 400;\">Rating:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Price: 4\/5<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Financial Management: 5\/5<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flexibility: 4\/5<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interest Rate: 4\/5<\/span><\/li><\/ul><h2><b>SEB Premium Credit Card &#8211; Best for premium benefits<\/b><\/h2><p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-1262\" src=\"https:\/\/moneyhub.ee\/wp-content\/uploads\/2023\/10\/seb_fixed-300x191.png\" alt=\"\" width=\"300\" height=\"191\" srcset=\"https:\/\/moneyhub.ee\/wp-content\/uploads\/2023\/10\/seb_fixed-300x191.png 300w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2023\/10\/seb_fixed-768x488.png 768w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2023\/10\/seb_fixed.png 800w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p><p><span style=\"font-weight: 400;\">Price: 7.50 euros monthly, Activation fee: 5 euros<\/span><\/p><p><span style=\"font-weight: 400;\">Features:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Credit limit: 1,200 euros minimum<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interest-free period: Up to 45 days<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Pros:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Premium travel insurance and priority airport services<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">High credit limit for frequent travellers<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Cons:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">One-time activation fee: The SEB Premium Credit Card is for those who value premium benefits and a strong client relationship. Cardholders get:<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Premium travel insurance and priority airport services, to enhance the travel experience.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">High credit limit for frequent travellers and flexible spending.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interest-free credit period up to 45 days, for innovative financial management.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">The card has a one-time activation fee of \u20ac 5, which may be a minor drawback for some. Despite this, the<\/span><a href=\"https:\/\/www.seb.ee\/en\/private\/cards\/mastercard-premium-credit-card-sign-best-client-relationship\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400;\">SEB Premium Credit Card<\/span><\/a><span style=\"font-weight: 400;\"> stands out for its premium benefits and high credit limit, making it perfect for discerning customers.<\/span><\/p><p><span style=\"font-weight: 400;\">Rating:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Price: 4\/5<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Premium Benefits: 5\/5<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Travel Benefits: 5\/5<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flexibility: 4\/5<\/span><\/li><\/ul><h2><b>How to choose the best credit card for you<\/b><\/h2><p><span style=\"font-weight: 400;\">Choosing the right credit card involves considering several key factors to align with your financial goals and spending habits. One crucial aspect is the Annual Percentage Rate (APR), especially if you don\u2019t plan to pay off the entire balance monthly. Key points to consider:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">APR, which is the cost of borrowing, lower rates save you money over time.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Many cards have an introductory interest rate that changes after a specific period.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Understand the duration of the introductory rate and the rates after it ends.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Other features to consider are no annual fees, balance transfers and enhanced security programs. If you pay off your balance every month, interest rates may not be as important, allowing you to focus on rewards or cashback options. Rewards programs can add significant value to your transactions, offering benefits such as travel points, cash back, or discounts on purchases and future balance transfers.<\/span><\/p><p><span style=\"font-weight: 400;\">Managing your credit card responsibly can improve your credit history, allowing you to secure more credit approvals and maintain a good credit score. Paying at least the minimum on time is also important to avoid late fees and interest on the remaining balance. Understanding your spending habits and financial situation can help you select a card that offers the most benefits and aligns with your lifestyle.<\/span><\/p><p><span style=\"font-weight: 400;\">When choosing a credit card, consider the credit card issuers\u2019 criteria, as different lenders have different acceptance decisions for the same applicant. So you apply for a card that suits your financial profile and offers the best terms for you.<\/span><\/p><h2><b>Estonian credit cards summary<\/b><\/h2><p><span style=\"font-weight: 400;\">In summary,<\/span><a href=\"https:\/\/moneyhub.ee\/en\/money\/credit-cards\/\"> <span style=\"font-weight: 400;\">Estonia offers credit cards<\/span><\/a><span style=\"font-weight: 400;\"> to suit every financial need and lifestyle. Whether you\u2019re a frequent traveller, luxury seeker or cashback rewards fan, there\u2019s a card for you. From the travel perks of the Swedbank Mastercard Gold Revolving Credit Card to the luxury benefits of the Swedbank Platinum Credit Card, each card has its unique advantages.<\/span><\/p><p><span style=\"font-weight: 400;\">Using a credit card in Estonia offers convenience, security, and access to rewards and benefits that can enhance your financial well-being and travel experiences. Select a card that aligns with your spending habits and economic goals, allowing you to maximise the benefits.<\/span><\/p><p><span style=\"font-weight: 400;\">We hope you found this guide helpful. By knowing the features, pros and cons of each card, you can make an informed decision that suits you best. Happy card hunting!<\/span><\/p><p><em><strong>**Note that whilst great care has been taken to provide correct information, you should do your own research before making any decision on applying for a credit card.**<\/strong><\/em><\/p><h2><b>FAQ<\/b><\/h2><h3><b>What are the benefits of using a credit card in Estonia?<\/b><\/h3><p><span style=\"font-weight: 400;\">Using a credit card in Estonia offers secure and convenient payment options, as well as the potential for short-term loans and rewards, including travel insurance and purchase protection. These benefits provide you with greater financial flexibility and security.<\/span><\/p><h3><b>Which credit card is best for frequent travellers in Estonia?<\/b><\/h3><p><span style=\"font-weight: 400;\">The Swedbank Mastercard Gold Revolving Credit Card is ideal for frequent travellers in Estonia, offering comprehensive travel insurance and free access to Mastercard Airport Security Fast Track services\u2014a more convenient and secure travel experience.<\/span><\/p><h3><b>What to consider when choosing a credit card?<\/b><\/h3><p><span style=\"font-weight: 400;\">When choosing a credit card, prioritise the Annual Percentage Rate (APR), fees, rewards programs, and credit limits, as these factors affect your financial management and credit history. Use the card responsibly to improve your credit profile.<\/span><\/p><h3><b>Are there credit cards in Estonia that offer cashback rewards?<\/b><\/h3><p><span style=\"font-weight: 400;\">Yes, Holm Credit Card offers cashback rewards, 100 euros after spending 2,000 euros and 10% cashback at Tuhat1 Kodumasinat stores.<\/span><\/p><h3><b>How to manage a credit card?<\/b><\/h3><p><span style=\"font-weight: 400;\">To manage your credit card effectively, utilise the tools provided by your card issuer to track spending, set personal limits, and pay on time to<\/span><a href=\"https:\/\/moneyhub.ee\/en\/useful\/articles\/manage-personal-debt\/\"> <span style=\"font-weight: 400;\">avoid late fees and interest charges.<\/span><\/a><span style=\"font-weight: 400;\"> This way, you use the card responsibly and maintain a financially stable position.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-adf47ca e-flex e-con-boxed e-con e-child\" data-id=\"adf47ca\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Discover top credit cards to use in Estonia, options tailored to your lifestyle and budget. Find the perfect fit for your financial needs. <\/p>\n","protected":false},"author":3,"featured_media":21728,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"footnotes":""},"categories":[21],"tags":[],"class_list":["post-21725","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles"],"acf":[],"blog_post_layout_featured_media_urls":{"thumbnail":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/09\/The-best-credit-cards-to-use-in-Estonia-150x150.jpg",150,150,true],"full":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/09\/The-best-credit-cards-to-use-in-Estonia.jpg",800,450,false]},"categories_names":{"21":{"name":"Articles","link":"https:\/\/moneyhub.ee\/en\/category\/useful\/articles\/"}},"tags_names":[],"comments_number":"0","rttpg_featured_image_url":{"full":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/09\/The-best-credit-cards-to-use-in-Estonia.jpg",800,450,false],"landscape":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/09\/The-best-credit-cards-to-use-in-Estonia.jpg",800,450,false],"portraits":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/09\/The-best-credit-cards-to-use-in-Estonia.jpg",800,450,false],"thumbnail":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/09\/The-best-credit-cards-to-use-in-Estonia-150x150.jpg",150,150,true],"medium":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/09\/The-best-credit-cards-to-use-in-Estonia-300x169.jpg",300,169,true],"large":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/09\/The-best-credit-cards-to-use-in-Estonia-1024x576.jpg",800,450,true],"1536x1536":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/09\/The-best-credit-cards-to-use-in-Estonia-1536x864.jpg",1536,864,true],"2048x2048":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/09\/The-best-credit-cards-to-use-in-Estonia-2048x1152.jpg",2048,1152,true]},"rttpg_author":{"display_name":"David Bailey","author_link":"https:\/\/moneyhub.ee\/en\/author\/davidbailey\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/moneyhub.ee\/en\/category\/useful\/articles\/\" rel=\"category tag\">Articles<\/a>","rttpg_excerpt":"Discover top credit cards to use in Estonia, options tailored to your lifestyle and budget. Find the perfect fit for your financial needs.","_links":{"self":[{"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/posts\/21725","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/comments?post=21725"}],"version-history":[{"count":5,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/posts\/21725\/revisions"}],"predecessor-version":[{"id":21793,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/posts\/21725\/revisions\/21793"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/media\/21728"}],"wp:attachment":[{"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/media?parent=21725"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/categories?post=21725"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/tags?post=21725"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}