It's always good to know that you have something to fall back on. BNF Bank offers a range of credit cards designed to meet your needs and to support the lifestyle you choose. Access a world of opportunities, shop online from wherever you are and withdraw money anywhere in the world.
All our cards have the 'contactless' symbol 
which may be used to effect contactless payments at point of sale terminals which display the symbol. More information about Contactless may be accessed from www.bnf.bank/contactless_payments.
Use your BNF Credit Cards to:
- make contactless payments for your everyday purchases without the need to carry around cheques or cash;
- withdraw cash from a VISA ATM anywhere in the world;
- make online, phone and mail-order purchases in the comfort of your home or office;
- enjoy an interest-free period of up to 51 days, if you pay off your account in full by the specified payment due date each month; and
- flexible monthly repayments.
Classic Credit Card
If you're 18 years of age or older you can apply for a Classic Credit Card with a minimum credit limit of €1,000. Benefits include:
- free travel insurance;
- free purchase protection insurance; and
- Visa global customer assistance services.
Gold Credit Card
If you earn a minimum of €25,000 annually you can apply for a Gold Credit Card with a minimum credit limit of €5,000 and enjoy all the Classic Credit Card benefits in addition to a Priority Pass membership.
PAVI PAMA Credit Card
In collaboration with PAVI Shopping Complex and PAMA Shopping Village, we created a PAVI PAMA Credit Card with which you can earn double bonus points.
If you're 18 years of age or older you can apply for a PAVI PAMA Credit Card with a minimum credit limit of €500 and be part of the Loyalty Scheme. Benefits include:
- an interest-free period of up to 51 days, if you pay off your account in full by the specified payment due date each month;
- flexible monthly repayments; and
- double bonus points on purchases from PAVI and PAMA supermarkets.
Interest Rates
*Bank Base Rate shall mean the basic rate of interest on which the Bank calculates the rates of interest paid on deposits and charged on loans. The Bank Base Rate fluctuates according to market conditions.
Activate your Credit Card
To request activation, for any of your new BNF Contactless Credit Card:
- log on to BNF Internet Banking or Mobile App;
- click on Cards;
- select Activate Card;
- choose your card;
- click on Activate; and
- wait for a confirmation message before use.
For non BNF Internet or Mobile Banking subscribers, please contact our Customer Care team on (+356) 2260 1000 from Monday to Friday between 8:00am and 8:00pm or on Saturday between 8:00am and 1:00pm.
Any renewed Credit Cards are already activated, of which can be immediately utilised.
Security features
BNF credit cards are equipped with EMV Chip technology which enhances security by requiring the use of a PIN to authorise certain purchases. For security reasons, you will be required to insert your Credit Card for an EMV Chip transaction and key in your PIN:
- on your very first transaction, to ensure that the card is in your rightful possession. Contactless will be activated right after your first transaction;
- on the 6th consecutive contactless transaction, to minimise risk on repeated transactions such as when cards are lost or stolen;
- if the transaction is over €50; and
- if the cumulative daily maximum limit of €250 is exceeded.
3D Secure
Our Classic, Gold and PAVI PAMA Credit Cards are 3D Secure. This technology offers an additional layer of security when shopping online, and further protects against unauthorised and fraudulent card transactions by requiring authentication whenever an eligible purchase is made. Terms and conditions are available on the Bank's website.
Come talk to us
Applying for a BNF Credit Card is simple. Visit us at your preferred BNF Bank branch and remember to bring with you:
- Your ID Card.
- Evidence of income:
- Last year's FS3 and the last 3 months' payslips; or
- If you're self-employed, the last 3 years' Income Tax Return, including the Profit and Loss Account.
- Bank statements of all your accounts held with other banks.
We're ready to listen.
Terms and conditions apply. All credit cards are subject to the Bank's lending criteria. The Bank reserves the right to amend or withdraw any of the card products from the market at any time at its sole and absolute discretion and without any prior notice. BNF Bank p.l.c. is a credit institution licensed to undertake the business of banking by the MFSA in terms of the Banking Act 1994 and is a member of the Depositor Compensation Scheme established under the Depositor Compensation Scheme Regulations (Legal Notice 383 of 2015). Registered in Malta C41030 - 203, Level 2, Rue D'Argens, Gżira, GZR 1368, Malta.