Gold Card

With a BNF Gold Credit Card, you can pay for your everyday purchases without the need to carry cheques or cash. Cash advances can be made from any Visa supported network, both locally and abroad. To apply for a Gold Credit Card, you have to be at least 18 years of age and earn a minimum gross annual income of €25,000.

Key benefits

The Gold Credit Card gives you some fantastic benefits. You can enjoy a standard credit limit of €7,000 whilst choosing your own repayment options. In addition, you can benefit from:

  • free travel insurance

    You are entitled to a complimentary travel insurance that gives you comprehensive protection while travelling abroad. The policy covers you for medical and hospital expenses, loss or damage to personal items, travel delays, cancellation of travel and legal liability.

    To benefit from this cover, all you need to do is to purchase your travel arrangement using your BNF Gold Credit Card. The travel insurance covers you, your spouse or your partner (if cohabiting for more than 6 months), and your children (up to the age of 18 or 23 if still in full-time education). For more details of the cover provided, limited, conditions and exclusions of the policy, click here.

    The policy is issued by Axeria Assistance Limited and claims are handled locally by JATCO Insurance Brokers on telephone number 00356 2132 4875. To download the claim form, click here.

  • free purchase protection insurance

    You can also benefit from a complimentary Purchase Protection Insurance which provides you with protection against loss, theft or damage for a wide range of personal goods, purchases using your BNF Gold Credit Card.

    You are automatically covered for 90 days from the date of purchase for the item purchased with your BNF Gold Credit Card both in Malta, Gozo and abroad. Claims have to be made within 45 days from the date of loss or damage. In order to dispute a transaction, click here to download and complete the Cardholder Transaction Dispute Form. Please visit your nearest BNF Bank branch to lodge the form together with your supporting documentation. 

    For more details about the cover provided, limited, conditions and exclusions of the Purchase Protection Insurance policy, click here.

    The policy is issued by Axeria Assistance Limited and claims are handled locally by JATCO Insurance Brokers on telephone number 00356 2132 4875. To download the claim form, click here.

  • Priority Pass

    Priority Pass provides frequent travellers with Airport lounge access, irrespective of the class of travel, airline flown or existing membership in an airline loyalty program. 

    • over 600 VIP lounges in more than 100 countries and 325 airports worldwide;
    • entry to 100 US lounges normally exclusive reserved for airline lounge program members;
    • access to a relaxing ambience - for both yourself and your guests;
    • complimentary refreshments and snacks; and
    • email, internet and conference space availability.

    Your BNF Gold Card Package provides you with a complimentary Priority Pass membership without having to pay the applicable annual membership fee (currently €99). To avail yourself of all the above facilities, you just need to pay the normal €28 fee per visit.

  • The Starwood Preferred Guest® program

Your BNF Gold Card Package will automatically entitle you to free membership at the Starwood Preferred Guest® program, which includes a complimentary pass to over 1,000 hotels and resorts in nearly 100 countries across 9 hotel brands.

Benefits include:

  • two Starpoints® for every eligible U.S dollar spent, including restaurant and room service charges, in-room movies and more;
  • Starpoints® redemption options, including Free Night Awards without blackout dates, Award Flights and much more - starting at just 2,000 Starpoints;
  • members-only offers so you save on luxurious getaways and quickly earn bonus Starpoints for your stays;
  • your Starpoints never expire as long as you show account activity once a year;
  • free Night awards are available when you need them to be;
  • enjoying the fifth night free;
  • room and suite upgrades;
  • instant Awards SM Redeem Starpoints for an array of in-hotel indulgences;
  • access to airline tickets through SPG Flights on more than 350 airlines without blackout dates;
  • invitations to unforgettable experiences, through SPG Moments including meet and greet with A-list artists and athletes, backstage concert passes, pro golf clinics and much more.

For more details on the benefits offered by your Starwood Preferred Guest® program click here.

To apply for this package you have to join the Starwood Preferred Guest® program and request my Card by following this link.

  • insurance and health scheme discounts

    Being a BNF Gold Credit Card holder, you can enjoy special discounts on Atlas Insurance health schemes.

    You can benefit from a 10% discount on the normal subscription rates for private healthcare insurance if you pay the premium by using your BNF Gold Credit Card.

    Health insurance makes it affordable to receive treatment as a private patient.

    You can:

    • avoid waiting lists;
    • cut down on the time it takes me to get better;
    • choose where to receive treatment;
    • choose who provides the treatment;
    • benefit from being treated in private facilities with a private room.

    You can choose the plan which suits you best from the International Plan, the Private Hospital Plan and the Private Clinic Plan. For further information please visit www.atlas.com.mt

    Furthermore, through JATCO Insurance Brokers you can benefit from a reduction of 5% on annual premiums for Home, Motor and Travel Insurance policies. All you have to do is pay the premium with your BNF Gold Credit Card upon sign-up and renewals thereafter.

    For more information about the policies offered, you can contact JATCO Insurance Brokers Ltd on 00356 2132 4875.

  • a refund on my annual card fee

    By simply using your BNF Gold Credit Card for your regular monthly spending at supermarkets, retail outlets, restaurants, petrol stations, online or even when paying utility bills. You can get a full refund on my annual card fee. Terms and conditions apply.

  • Visa Global Customer Assistance Services
  • Emergency Assistance for Travellers

No matter where you travel, you can call the Visa Global Customer Assistance Service number 24 hours a day, 7 days a week and a customer service representative will be available to assist you. You can call on 001 443 641 2004 for assistance.

You can lodge a lost or stolen card report, arrange for a replacement Credit Card or emergency case delivery with your Bank's approval and make any other Visa Card-related inquiry.

To best assist the customer service representative, it is important that you have this information at hand:

  • name of your Bank - BNF Bank plc;
  • Credit Card type (e.g Visa Classic Card, Visa Gold Card, PAVI PAMA Card);
  • the country where the card was issued - Malta;
  • exact cardholder name as printed on the card;
  • billing address - where you receive your monthly Credit Card statement
  • home phone number;
  • circumstances of the loss or theft;
  • your identification verification information, as provided when you applied for your card (e.g date of birth, mother's maiden name or similar).

If you know the full sixteen (16) -digit credit card number, this information will help reduce the time it takes to cancel your lost or stolen Credit Card. Fees apply for use of this service. Please refer to the BNF Tariff of Charges.

Getting started

Applying for a BNF Gold Credit Card is simple. All you have to do is visit a BNF branch and take with you:

  • your ID Card;
  • evidence of income; 
    • last year's FS3 and the last 3 months' payslips OR 
    • if you're am self-employed, your last 3 years' Income Tax return, including Profit and Loss Account; and
  • bank statements of all your accounts held with other banks.

The Bank reserves the right to request further documentation if deemed necessary.

3D Secure

The BNF Gold Credit Card is 3D Secure. This technology gives you 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. More information, including an FAQ and terms and conditions, are available here.

Terms and conditions apply. All credit cards are subject to the Bank's lending criteria. The Bank reserves the right to amend or withdraw the product from the market at any time at its sole and absolute discretion and without any prior notice. BNF Bank plc 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, Gzira, GZR 1368, Malta.


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BNF Bank plc is a credit institution licensed by the MFSA to undertake
the business of banking in terms of the Banking Act 1994.