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BOV Visa Classic
The BOV Visa is the card for your everyday purchasing needs. It is the ideal choice if you need a card that you can use as easily when you are travelling abroad as when you are at home.
Terms & Conditions
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Using a credit card is easy!

Using a credit card is easy! When effecting a purchase from a retail outlet, the cashier at the outlet will insert the value of the transaction at the point of sale terminal, and this is displayed on the terminal display. Once you have confirmed that the value of the transaction is correct, you may insert your PIN (Personal Identification Number) to authorise the transaction. Contactless transactions under the value of €50 will be authorised by simply tapping your card on the machine, however if the value of the transaction exceeds the amount mentioned above, or after a certain number of transactions, you will be asked to insert your PIN to authorise the transaction. That’s all there is to it!

Credit Limit

Every cardholder is given a minimum credit limit of €700. However a larger limit may be applied for at any time by the cardholder, furthermore, arrangements can also be made for a larger limit to be available for a short-term period. If a supplementary card is issued, the same limit applies to the combined spending on both cards. The supplementary card is issued for free.


The BOV Visa Classic Card is accepted at retail outlets the world over. You can pay for the products and services in shops, restaurants, hotels, travel agents and airline offices, to mention a few, that display the credit card logos.
  • Instant Cash – You can use your BOV credit cards to withdraw cash at banks and cash machines (ATMs) all over the world. The amount you withdraw will appear in your monthly statement. There is a small charge for this and interest will be charged from the date of withdrawal. All you need is a Personal Identification Number (PIN), which is automatically supplied with the card.
  • Convenience – You do not need to write cheques or carry large amounts of cash. You can also use your card to pay for mail order shopping and for things you order through the phone or the Internet.
  • Flexibility and control – Using a credit card can help you control your finances and spread your spending over time. In this way you can pay for expensive items without disrupting your normal budget.
Free Purchase Protection Insurance

Visa Classic cardholders purchasing goods in Malta and abroad and paying for the full value of the items with their card will benefit from a free Purchase Protection Insurance Policy that safeguards their interests on certain purchases. The Period of Cover is 90 days for both Local and Overseas Purchases. The Purchase Protection Insurance policy is arranged through Antes Insurance Brokers Ltd. and all related claims, queries and complaints are to be directed to them.

24-Hour Emergency Helpline

If your credit card is lost or stolen, report it immediately by calling +356 2144 0823 24 hours a day 7 days a week. A replacement card will be supplied as early as possible.

You get:
  • A minimum credit limit of €700 or more;
  • A free supplementary card if eligible;
  • A Personal Identification Number (PIN);
  • Withdraw from ATMs worldwide;
  • Free Purchase Protection Insurance Policy;
  • A 24-hour Emergency helpline.

You can:
  • Use your card in millions of outlets worldwide;
  • Use your card to pay for mail order, phone or internet purchases.

Interest Rates may change after this product has been acquired and peripheral products may incur their own rates. Please refer to the Bank's Tariff of Charges updated information, or contact any BOV Branch or our BOV Customer Service Centre on (356) 2131 2020 for additional information.

The standard interest rate for BOV Visa Card including those held by BOV Club members, BOV Graduates members and
BOV Shareholders, is currently 5.25% above the Bank’s Base Rate. A penalty interest charge for defaulting cardholders is charged at an additional 2% on prevailing rate. This increase in rate is applied when the credit limit is exceeded and/or when minimum payment is not met.

Fees and Charges

Fees and charges may change after this product has been acquired and peripheral products may incur their own costs. Please contact any BOV Branch or our BOV Customer Service Centre on 2131 2020 for additional information.

The following are the applicable charges on the BOV Visa Card:

Joining Fee   n/a
Initial Fee     €21
First Supplementary Card - Yearly  NIL
Second Supplementary Card and Subsequent cards - Yearly  €6
Cash Advance/ATM Withdrawal from Issuing Bank in Malta

 0.4% min €0.23

Check out the Tariff of Charges from here. Fees and charges may change after this product has been acquired and peripheral products may incur their own costs. 

Check out the Product Info Guide for the latest updated version of the Terms and Conditions. Alternatively  you may request the Terms and Conditions from any BOV branch, by contacting our Customer service Centre on 21312020 or by sending an email to [email protected].
The BOV Visa Classic is a chip card with major advancements in card security technology. Further information about Chip and PIN cards and how to use them can be found here.
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How to Apply?

Set an appointment online
- Call our Customer Service Centre on (356) 2131 2020
- Send us an email at [email protected]
Download >
Visa Classic-Product Information Guide
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Tariff of Charges
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Bank of Valletta p.l.c. is a public limited company regulated by the MFSA and is licensed to carry out the business of banking and investment services in terms of the Banking Act (Cap. 371 of the Laws of Malta) and the Investment Services Act (Cap.370. of the Laws of Malta).