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BOV VISA Classic and BOV MasterCard
The BOV VISA or the BOV MasterCard are the cards for your everyday purchasing needs. They are 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.
Overview
Benefits
Terms & Conditions
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Using a credit card is easy!

When effecting a purchase from a retail outlet, present your card to the cashier. When using the BOV VISA, or BOV MasterCard, they will insert the card into the EPOS machine and you will be asked to key in your PIN (Personal Identification Number) to authorise the transaction. That’s all there is to it!

You will then get a monthly statement listing all the purchases, cash withdrawals and payments you have made from your card. It will also show the smallest amount you can repay for that month, which can be as little as €12 or 5% of the outstanding balance – whichever is the greatest.

If the full amount is paid within 25 days of the statement date, no interest will be charged. Depending on the time the purchases are made, you can have up to 55 days of interest-free credit!

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.

You may apply for both a BOV VISA and MasterCard. In such case a separate limit will be given for each card.

Benefits
Paying for goods and services - The BOV VISA and MasterCard are accepted in over 12 million outlets around the world. 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 cards’ logo.

Instant Cash
You can use 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 to 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
BOV Visa Classic and MasterCard holders purchasing goods in Malta and abroad and paying with their card will benefit from a free Purchase Protection Insurance Policy that safeguards the interests of the client on certain purchases. For the policy claim form click here.

The Period of Cover is 90 days for both Local and Overseas Purchases.

The Purchase Protection Insurance policy is arranged by Mapfre Middle Sea Insurance. 

Special Discounts
BOV VISA Cardholders can enjoy special benefits on BUPA (The British United Provident Association) Health Schemes. BUPA, Britan’s leading health insurer, is offering cardholders a 10% discount on the normal subscription rates for private health care insurance.
  • Any premium discounts are entirely discretionary and may be reviewed or removed by BUPA Malta at any time.
  • 24-hour Emergency Helpline
  • If your credit card is lost or stolen, report it immediately on telephone number 2123 4821 24-hours a day 7 days a week.
  • A replacement card will be supplied as early as possible.

    * Any premium discounts are entirely discretionary and may be reviewed or removed by BUPA at any time.

VISA or MasterCard?
There is only one honest answer to this question – decide for yourself! The additional services provided by the cards are identical; they are accepted by similar numbers of outlets everywhere in the world.
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;
  •  Benefits on BUPA for BOV Visa Cardholders;
  •  A 24-hour Emergency helpline.

You can:
  •  Use your card in over 12 million outlets worldwide;
  •  Use your card to pay for mail order, phone or internet purchases.

The BOV Visa Classic Card and BOV MasterCard are chip and pin cards, and contain an embedded microchip and are authenticated automatically using your personal identification number (PIN).

We have added an extra level of security for Visa and MasterCard payments, which protects you from the unauthorized use of your credit card. 3D Secure technology consists of the programs 'Verified by Visa' and 'MasterCard SecureCode'.


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 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
Visa and MasterCard together   €28
 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 customercare@bov.com.
 
The BOV VISA Classic and BOV MasterCard are chip cards 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?


If you are 18 years and over you can apply for any or both of the BOV VISA Classic and MasterCard. Simply apply online or visit your BOV branch where our Relationship Officers will be glad to assist you in all your requirements.

If you want more details about the BOV Visa Classic and BOV MasterCard, you may click on 'Live Help'. One of our representatives will be able to help you immediately.

Alternatively, you may
- call our Customer Service Centre on 356 2131 2020
- send us an email at customercare@bov.com
-click on the 'Get in Touch' icon at the top (right hand corner) and submit your query and contact details. We'll contact you as soon as possible
-visit the BOV Branch of your choice.
 
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Visa and MasterCard Classic-Product Information Guide
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