CREDIT CARDS
Get your free APS PAVI-PAMA Credit Card
Introducing the APS PAVI-PAMA Credit Card. Get double loyalty points when shopping at the PAVI-PAMA supermarkets, 500 points when you sign up for the credit card and more.
Main benefits
- No annual fee
- Double loyalty points when shopping at PAVI-PAMA supermarkets
- 500 loyalty points on sign-up
- Cashback on all purchases
- Contactless payments up to €50
- Use at PAVI-PAMA supermarkets and anywhere else, locally or overseas
- Pay online securely using 3DS
- Purchase protection insurance
- Manage your card anytime with myAPS
To apply, you must be:
- A PAVI-PAMA loyalty card holder
- Over 18 years
- A myAPS mobile app user
For further information on eligibility kindly refer to the T&Cs below.
How to apply
Apply at the PAVI-PAMA supermarkets exit
- Meet the APS Team from Monday to Saturday, 08:30 to 18:30. No appointment is needed.
Or visit an APS branch
- Download and complete the forms below, take them to your preferred branch together with the documents listed in Form 1 (RL04).
- If you are not an APS customer, an appointment is required before visiting a branch.
Further information
- Terms & conditions apply
- Inform the cashier you are paying with your APS PAVI-PAMA Credit Card to get the double points on your PAVI-PAMA Loyalty Card.
- The double points do not apply at self-checkout and cannot be combined with other offers
- The 500 sign-up points can only be claimed once, when you receive your first APS PAVI-PAMA Credit Card.
Annual Percentage Rate
The Annual Percentage Rate (APR) being charged is 9.10% per annum. APR is the cost of borrowing on your credit card. It refers to the yearly interest rate you will pay if you carry a debit balance on your credit card.
Cashback
✓ PAVI-PAMA credit card holders will earn €0.01 for every €10
✓ All cashback earned will show on your credit card statement
✓ Cashback earned will be added to your account immediately
Download the insurance documents
Purchase Protection Insurance - Product Information Document
Purchase Protection Insurance - Policy Terms
Book an appointment
FREQUENTLY ASKED QUESTIONS
APS PAVI-PAMA Credit Card
A credit card can be used to pay for goods and services. This is different from a debit card as you will be borrowing the money being spent. You will then need to pay a minimum amount monthly or the balance in full. When the minimum amount is not paid, you will be charged interest and late payment fees.
The credit card limit is €500.
Your credit card PIN can be changed at any APS ATM but cannot be printed. You can check your PIN any time via the myAPS app.
- Log in to myAPS app
- Tap on the menu in the top left
- Tap on Credit Cards
- Select Pay Card
- Select account
- Enter Value Amount
- Enter Payment Reference
- Select Confirm
- Tap Yes
- Enter your myAPS PIN
- Tap Confirm
- Log in to the myAPS app
- Tap on the menu in the top left
- Tap on Credit Cards
- Select Credit Card Overview
- Select the credit card you would like to (un)freeze
- Tap on the 3 dots icon in the top right
- Select Freeze Card or Unfreeze Card as required
- Confirm selection
To activate your credit card, you need to use the myAPS app and follow these steps:
- Log in to the myAPS app
- Tap on the menu in the top left
- Tap on Credit Cards
- Select Credit Card Overview
- Select the credit card you would like to activate
- Tap Activate Card
- Tap Close
Your account address.
APS PAVI-PAMA Credit Card holders will earn €0.01 for every €10 spent. All cashback earned will show on your credit card e-statement and will be instantly added to your account.
The purchase protection insurance covers you for accidental loss, theft, or damage to retail anywhere in the world. This is provided by Atlas Insurance.
Please reach out to Atlas Insurance who will guide you on making a claim. Telephone - (+356) 2343 5381 Purchase protection insurance claims - apspurchaseclaims@atlas.com.mt
No premium needs to be paid to the Bank.
Yes, you can. Please contact Atlas Insurance on (+356) 2343 5381 for guidance.
Yes, for every claim made, you will have to pay an excess charge to Atlas Insurance PCC Limited based upon the insurance type. Please refer to detailed policy terms available here.
No, you cannot. This is a free benefit for you as the premium is covered by the Bank.
With the purchase protection insurance, cover starts as soon as you start using your credit card. The cover will automatically end when your APS account is terminated.
As to the travel insurance, the trip cancellation cover starts from the date your trip is booked or when your gold credit card is issued (whichever comes later, but not later than 1 year from the trip booking date). The rest of the cover is activated during the trip. The cover will automatically end when your APS account is terminated.
Atlas should be notified as soon as possible, and not later than 30 days, from the incident date. Click here for more information.
Your credit card will automatically block after 3 consecutive incorrect attempts and refresh at midnight on the same day, to start reusing.
If your credit card is captured in an APS ATM, this will be mailed back to you. If you called to stop your card, this will be discarded.
If your credit card is captured in any other ATM, you must stop the card and order a replacement card. Other banks will shred your card as per VISA rules.
Call our Contact Centre on (+356) 2122 6644.
The following fees, tariffs, and minimum payment apply for both the classic and gold credit cards.
- No annual fee
- Interest rate at 8.75% i.e. 6.50% over the Bank’s Base Rate
- Minimum payment for at 5% of the debit balance of €15 whichever is the highest
Your credit card payment will be automatically withdrawn from the account you chose (service account) when ordering your credit card. You need to ensure there is enough money in that account by 08:00, at least one working day before the due date mentioned in your credit card statement or myAPS. If there is not enough money in the account by then, the automatic direct debit payment will not go through. You can manually pay the credit card through myAPS up until the due date to avoid a late payment fee.
The automatic direct debit payment amount will be either 5% of your credit card balance or €15, whichever is higher. If a merchant provides you with a credit voucher or refund, it will lower your credit card balance. However, this does not count towards the minimum payment, and cannot be considered a deposit.
24 days after statement date.
Yes, charges are the following:
- APS ATMs withdrawals - charge is of 0.30% of the withdrawn amount (minimum €0.30).
- Other local and international ATMs withdrawals - a fixed €3 charge along with the 0.30% of the payment amount.
To receive your one-time 500 PAVI–PAMA loyalty points, you need to:
- Have your APS VISA PAVI–PAMA Credit Card issued and active
- Present the required documents at a PAVI or PAMA Customer Care desk. These include:
- Your PAVI–PAMA Credit Card
- Your PAVI–PAMA Loyalty Card
- A valid ID (and any supporting voucher/documentation provided)
No, the bonus points are not automatic. You must visit a PAVI or PAMA Customer Care desk and present the required documents to have the points applied.
You can earn double PAVI–PAMA loyalty points when you:
- Shop at PAVI or PAMA supermarkets
- Present your PAVI–PAMA Loyalty Card
- Present the cashier your APS VISA PAVI–PAMA Credit Card before completing the payment
- Pay your purchase with your APS VISA PAVI-PAMA Credit Card.
You can pay using either your physical APS VISA PAVI-PAMA Credit Card or the version added to your digital wallet (Apple Pay or Google Pay).
You can present your loyalty card through the PAVI-PAMA app, as you normally would.
No, double points are not available at self-checkout tills, nor when shopping online, as the points are applied through the cashier system.
No, double points cannot be combined with other promotions.
All loyalty points are:
- Collected on your PAVI–PAMA Loyalty Card
- Managed entirely within the PAVI–PAMA loyalty system
- They are not stored or tracked by APS Bank systems.
For any queries related to missing points, bonus points or loyalty account issues, you should contact PAVI–PAMA Customer Care.
You can visit the Customer Care desks located in PAVI or PAMA Supermarkets, call on +356 2349 6253 (available during office hours) or send an email to: customersupport@pavipama.com.mt
No, loyalty points (including double points) are awarded only for qualifying purchases made at PAVI and PAMA supermarkets.
You will receive double points only if all conditions are met, including:
- Paying with your APS VISA PAVI–PAMA Credit Card in person
- Presenting your PAVI–PAMA Loyalty Card before payment to the cashier
Yes, you can get double points when shopping at any PAVI-PAMA Supermarkets or Express shops.
If points were not applied (for example, cards were not presented), any corrections are handled by PAVI–PAMA Customer Care, subject to their processes.
You can find further details by visiting www.pavipama.com.mt
Representative Example
Credit cards interest free period scenario when a customer performs purchase transactions at any of the point of sale or ecommerce outlet:
- First purchase transaction performed in current billing cycle: €100 on 1 June.
- Second purchase transaction performed in current billing cycle: €200 on 20 June.
- Statement date: 27 June (for all the transactions in each billing cycle when the statement is generated)
- Payment due date: 21 July (the date by which customer need to make minimum payment to avoid late payment fees and delinquency)
- Interest free period for first purchase transaction: 56 days (date when the transaction is performed to payment due date)
- Interest free period for second purchase transaction: 30 days (date when the transaction is performed to payment due date)
The total interest will be calculated on the outstanding amount (€300) at the end of each billing cycle on the payment due date and will be charged accordingly. If the customer settles full outstanding balance by the payment due date, no interest is charged.
Cash withdrawals are not subjected to interest free period.
Points will be added to your PAVI-PAMA Loyalty Card. Approved and issued by APS Bank plc, APS Centre, Tower Street, B’Kara BKR 4012. APS Bank plc is regulated by the Malta Financial Services Authority as a Credit Institution under the Banking Act 1994. Applications are subject to the Bank’s lending criteria. The Bank is a participant in the Depositor Compensation Scheme and the Investor Compensation Scheme as established under the laws of Malta. Terms and conditions apply and are available on apsbank.com.mt/terms-and-conditions. Further details regarding the PAVI-PAMA Loyalty Card programme, including the applicable terms and conditions, can be found on PAVI-PAMA’s website at pavipama.com.mt.
