Debit and credit cards issuing and delivery
Visa DebitLuminor BlackLuminor Visa Infinite
Card opening (1), renewing, closingFreeFreeFree
Monthly fee for main card€2 (1)€5.50 (2)€20
Monthly fee for additional card (adults starting from age 18)€1€3.50€20
Monthly fee for additional card (children starting from age 7)Free€3.50€20
Delivering the card
- by post to address in LithuaniaFreeFreeFree
- by post to address abroad€10€10€10
- to the Customer Service Center (3)€10€10€10
Replacing the card
- when card is replaced before the expiry date€5€5€5
- additional fee for express issuing (4)€30€30€30

(1) The fee listed is for Luminor Debit package in case Visa Debit is included in Luminor Debit package. If Visa Debit is included in Luminor Black Package then Luminor Black package fee will apply.
(2) Luminor Black card is available only with Luminor Black package. The fee listed is for a package.
(3) The fee is not applicable if the Customer pays the fee for an express issuing of the Card.
(4) If the card is ordered on a business day by 12:00 AM, it will be delivered to Customer Service Center on the second business day after ordering.
More information about Payment cards can be found here.

Payments and cash
Visa DebitLuminor BlackLuminor Visa Infinite
Conversion fee for paying in different currency than Euro (4)2.45%3%3%
Cash withdrawal
- Luminor ATMs in Baltics and Medus ATMs in Lithuania (5)Free up to €600 per calendar month, 0.2% of the sum exceeding €600 (min. €0.40)Free up to €1200 per calendar month, 2% of the sum exceeding €1200 (min. €3.50)Free up to €2000 per calendar month, 2% of the sum exceeding €2000 (min. €3.50)
- Other ATMs2% of the sum (min. €3)Free up to €400 per calendar month, 2% of the sum exceeding €400 (min. €3.50)Free up to €1000 per calendar month, 2% of the sum exceeding €1000 (min. €3.50)
- Perlas POS terminals (6)0.4% of the sum (min. €0.80)2% of the amount, (min. €1)0.4% of the amount (min. €0.80)
Cash deposit
- Luminor and Medus ATMs in Lithuania (5)Free up to €2000 per calendar month, 0.2% of the sum exceeding €2000Free up to €1200 per calendar month, 2% of the sum exceeding €1200 (min €3.50)Free up to €2000 per calendar month, 2% of the sum exceeding €2000 (min. €3.50)
- Perlas POS terminals (6)€0.30€0.30€0.30
Balance enquiry
- from Luminor ATMsFreeFreeFree
- from other ATMsFreeFreeFree

(4) Conversion fee is added to the VISA applied currency exchange rate in case the transaction currency is not Euros.
(5) The calculation is made on the basis of confirmed transactions within a month.
(6) In PERLAS terminals based on the list provided here the service is provided by UAB "Perlas Finance".

More information about Payment cards can be found here.

Credit limit
Visa DebitLuminor BlackLuminor Visa Infinite
Credit limit annual interestNot applicable18%13%
Changing the credit limitNot applicableFreeFree
Interest free periodNot applicableUp to 45 Days (until next month`s 15th date)Up to 50 Days (until next month`s 20th date)
The fee for the use of the credit limit (6)Not applicableNot applicable1% on the credit limit used during the payment transaction

(6) The fee for the use of the credit limit is charged in case the interest provided under the agreement is 0%. The fee for the use of the credit limit is not charged in case the borrower uses the credit limit by making a transaction with a payment card (except cash-out transaction).

More information about Payment cards can be found here.

Other services
Visa DebitLuminor BlackLuminor Visa Infinite
Annual interest on unauthorized debit balance18%18%18%
Priority Pass lounge visits (7)
- three single visits per yearNot availableNot availableFree
- starting from fourth visitNot availableNot available€28
Changing card standard cash-out or purchase limits via Customer Support or at the Customer Service Center€10€10€10
Issuance of copy of the receipt for a transaction €25€25€25

(7) Cardholder can bring additional guests to lounge every time cardholder visits lounge. Companions' visits are counted as separate visits.

More information about Payment cards can be found here.