Exploring Card Types, Specs, EMI Options & Eligibility Requirements
Visa is ewidely accepted across Estonia, and numerous banks provide Visa debit, credit, and premium cards. Let’s explore 10 providers, detailing card Dimensions, Material, Finance features, EMI, Requirements, and Assestion needs.
1. Swedbank Estonia
- Card Types: Visa Classic (revolving), Gold, Platinum credit cards
- Dimensions: Standard 85.6×53.98 mm; chip + contactless
- Material: Plastic for Classic/Gold; metal-layered for Platinum
- Finance & EMI:
- Classic: interest-free for up to 30 days
- Gold & Platinum: bundled travel insurance, lounge access, purchase insurance
- Requirements: Bank account, proof of income
- Assestion: Creditworthiness assessed via internal scoring
2. SEB Pank
- Card Types: Visa Debit & Credit (Classic to Platinum)
- Material: Plastic, contactless
- Finance: Credit facilities with grace period; travel perks on Platinum
- Requirements: Estonian ID + income documentation
- Assestion: Income + banking relationship
3. LHV Pank
- Card Types: Visa Debit, Credit; Gold-tier via partner merchants
- Material: Plastic, chip-enabled
- Finance: Credit limit flexible, clients choose EMI installment
- Requirements: ID, residency or e‑residency, income
- Assestion: Financial track record evaluated
4. Luminor Bank
- Card Types: Visa Debit & Credit (Classic, Gold, Platinum)
- Material: Plastic, contactless
- Finance & EMI: Revolving credit; Platinum includes insurance
- Requirements: Standard documentation + credit check
5. Coop Pank
- Card Types: Visa Debit & Credit
- Material: Plastic with chip/contactless
- Finance: Credit card with grace period; EMI via partner schemes
- Requirements: Coop loyalty/membership; ID + income
- Assestion: Credit score with bank’s model
6. Bigbank
- Card Types: Visa Credit for customers with active loan relationships
- Material: Plastic
- Finance: Linked to lending account; EMI through installment loans
- Requirements: Existing Bigbank loan + basic income validation
7. Inbank
- Card Types: Credit & prepaid Visa cards for online lending
- Material: Plastic
- Finance & EMI: Offer installment plans
- Requirements:Digital application, income, ID verification
8. Holm Bank
- Card Types: Visa Credit & Debit, emphasis on SMEs
- Material: Chip plastic
- Finance: Credit limits and EMI for purchases
- Requirements: ID, residency, some income proof
9. TBB Pank
- Card Types: Visa Debit, Visa Credit
- Material: Plastic with contactless
- Finance: Revolving credit via standard approval
- Requirements: ID and ability to meet repayment
10. Revolut Estonia (EMI)
- Card Types: Personal & Business Visa/Mastercard (virtual, physical & even metal options)
- Dimensions: Virtual or physical—custom thickness and plating
- Material: Standard plastic or optional metal plating
- Finance & EMI: Top-ups only—no credit; EMI via separate lending
- Requirements: App download, ID verification
- Assestion: Verified KYC only
📊 Quick Comparison Table
| Bank/Provider | Card Types | EMI Available | Material | Requirements |
| Swedbank | Classic, Gold, Platinum (Credit) | Yes | Plastic/Metal | Bank acct, income |
| SEB Pank | Debit & Credit | Yes | Plastic | ID, income |
| LHV Pank | Debit & Credit | Yes | Plastic | ID/e-residency, income |
| Luminor | Debit & Credit | Yes | Plastic | Standard docs |
| Coop Pank | Debit & Credit | Yes (partner) | Plastic | Coop membership, ID |
| Bigbank | Credit | Yes | Plastic | Loan customer + income |
| Inbank | Credit & Prepaid | Yes | Plastic | Digital ID/income |
| Holm Bank | Credit & Debit | Yes | Plastic | ID, income |
| TBB Pank | Debit & Credit | Yes | Plastic | ID + repayment capability |
| Revolut (EMI) | Visa/Mastercard | No (credit) | Plastic/Metal | App, ID verification |
🧭 Key Insights
- Banking landscape: Estonia blends traditional banks (Swedbank, SEB, Luminor) with modern EMI/digital providers (Inbank, Revolut).
- EMI: Standard at traditional banks and expanding into neobanks for in‑app financing.
- Dimensions: All cards follow ISO size; metal variants highlight premium tiers.
- Material: Classic = plastic; premium may use metal-plating or weighted builds.
- Requirements: Across the board—Estonian ID, residency/income, and basic creditworthiness.
- Assestion: Evaluated both financially (income/assets) and via credit history.
- Finance: Credit limits vary widely—from €300 (debit) to €10,000+ (Platinum credit).
💡 Pro Tips
- Want EMI via smartphone? Use Inbank, Bigbank, or LHV—declared via app, no extra paperwork.
- Need premium perks? Choose Swedbank Platinum, SEB Credit, or Luminor Gold—with travel insurance and lounge access.
- Prefer digital-only? Revolut is ideal: choose card Material (plastic or metal) online, no paperwork.
✅ Final Word
Estonia offers a rich mix of Visa payment options across ten providers—whether you’re after basic banking, digital convenience, credit with EMI, or premium material and dimensions. Just align with your finance need, ensure you meet requirements and maintain good assestion, and you’re good to go!