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 classic credit card limit is €4,000 and the gold card limit is up to €10,000.

No, card PIN cannot be changed nor printed. You 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

No. You can still open a claim if travelling costs are not paid for with your gold card.

Yes, they are covered.

The trip duration covered by the travel insurance is up to 45 days.

Your account address.

Both classic and gold credit cards come with a cashback scheme. Classic card holders will earn 0.01c for every €10, whilst gold card holders will earn 0.02c with every €10. 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 available on both the classic and gold credit cards, and is provided by Atlas Insurance.

Travel insurance provides cover for your travels. Such as, trip cancellation or abandonment charges, emergency medical assistance, lost or stolen baggage and / or passport, personal accident, and personal liability. This is available with the gold credit card only and provided by Atlas Insurance. More information is available on the travel insurance product information document here.

Vehicle excess insurance covers the standard rental vehicle excess paid or the vehicle repairing costs incurred during a trip in case of an accident or theft. This is available with the gold credit card only and provided by Atlas Insurance.

Life insurance covers any outstanding balance on the gold credit card in the unfortunate event of death of the cardholder. This is available with the gold card only and provided by IVALife.

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 Travel insurance claims - apstravelclaims@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 7.5% i.e. 5.25% over the Bank’s Base Rate
• Minimum payment for at 5% of the debit balance of €15 whichever is the highest

The direct debit will include manual payments made, up until 1 day before the direct debit due date. It will be calculated at the greater of 5% percent of the outstanding balance or €15. A credit voucher/refund issued by a merchant lowers the card's balance after it is processed. However, since it does not count toward the minimum payment calculation, it cannot be considered as 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.