Credit Cards

It's always good to know you have something to fall back on. A BNF Credit Card gives you the flexibility and breathing space you need when you most need it. Access a world of opportunities with this convenient method of payment - shop online from wherever you are and withdraw money anywhere in the world.


  • Pay for your everyday purchases without the need to carry around cash or cheques.
  • Enjoy an interest-free period of up to 50 days, if you pay off your account in full by the specified payment due date each month.
  • Make automatic monthly repayments.
  • Withdraw cash from Visa ATMs anywhere in the world.
  • Make online purchases without leaving the comfort of your home or office.
  • Benefit from free travel insurance cover, by purchasing your travel arrangements using your BNF Credit Card. 

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
  • health scheme discounts
  • other discounts on insurance premia
  • 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

We've teamed up with PAVI Shopping Complex and PAMA Shopping Village and created an exclusive PAVI PAMA Credit Card for you to earn double bonus points.

Interest Rates

Credit Cards Interest Rates
Visa Classic Credit Card 5.75% over Bank Base Rate*
Visa Gold Credit Card 5.75% over Bank Base Rate*
Visa PAVI PAMA Credit Card 6.25% over Bank Base Rate*

*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.

Security features

PIN required

All BNF Bank credit cards are equipped with EMV Chip technology which enhances security by requiring the use of a PIN to authorise purchases.

3D Secure

Our Classic and Gold 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 Credit Card is simple. Visit us at your preferred BNF Bank branch and don't forget to bring:

  • 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 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


Credit Card Usage Scheme Terms and Conditions 

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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.