Luminor Points Savings Account

Points Savings Account

Point savings account offers you to choose gifts for purchases. Pay with your card and collect emotions!

About programme

Paying with Luminor credit cards* has become even more pleasant – and profitable. We are offering Luminor credit card* users special discounts and privileges and the chance to receive surprises prepared by Luminor partners as a thank-you for your loyalty. The closer your partnership is with the bank, the greater the benefits. Pay with your card and collect emotions!

The Points Savings Account is an opportunity to reward yourself for everyday purchases. Now, with every purchase over EUR 7 using a Luminor credit card,* a certain number of points will be added to your Points Savings Account. Points are awarded for online purchases and for purchases at any retail outlet in Latvia or abroad, as well as for pre-paid card purchases from ATMs.

For each purchase of EUR 7 / USD 10 customers will receive 1.5 points. Points will double if you make purchases on your birthday!

You can look up information on the points already accumulated in the Cards section of the Luminor|Nordea online bank. The amount of points awarded is shown next to each credit card purchase equalling or exceeding USD 10 / EUR 7 (taking into account the currency of payment). All the points collected within a calendar month become available for redemption starting the first of the subsequent month. Points must be redeemed within two years from the date they become available for redemption. Unused points will be lost after this time.   

* The following Luminor payment cards are linked to the Nordea Points Savings Account: Mastercard Credit, Mastercard Gold and Mastercard Platinum.  


We kindly inform you that the assets and liabilities of Nordea Bank AB Eesti Filiaal, NordeaBank AB Latvijas filiāle and Nordea Bank AB Lietuvos skyrius have been acquired respectively by Aktiaselts DNB Pank, DNB Banka AS and AB DNB Bankas on 1 October 2017 as a part of the combination of Nordea and DNB operations in the Baltic region. The aforementioned DNB Banks (renamed as Luminor Banks) are licensed to use Nordea trademarks.

If you would like to use services offered on this page, but you don’t have an account with letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx) in account number, please apply for the Service by calling Luminor Contact Centre at +371 67 096 096 or visiting any Luminor Customer Service Centre. 





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Terms and conditions

 Review the bank General Terms and Conditions regarding the points savings account!


This section of home page contains terms and conditions of services provided to customers, whose account number contains letters “NDEA” (LVxxNDEAxxxxxxxxxxxxx). 

If your account number contains letters “RIKO” (LVxxRIKOxxxxxxxxxxxxx) or your debit or credit card was issued by AS DNB banka, please visit the following home page:, where you will find Terms and conditions relevant to you (marked with symbols and letter “(D)”) as well as gain access to your Internet Bank.



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