L-Iljun, l-Arzella, l-Imzejna, il-Pum tad-Deheb – these are the new APS Credit Cards, with no annual fee, cashback scheme and more.
Main features
- No annual fee
- Earn cashback on your purchases
- Contactless for quick and secure payments
- Use locally and overseas
- Pay online securely using 3DS
- Purchase protection insurance
- Control your card anytime, anywhere with myAPS
- Choose between l-Iljun, l-Arzella and l-Imzejna

Main features
- No annual fee
- Earn cashback on your purchases
- Contactless for quick and secure payments
- Use locally and overseas
- Pay online securely using 3DS
- Purchase protection insurance
- Travel insurance
- Vehicle hire excess protection
- Life insurance
- Control your card anytime, anywhere with myAPS
- Exclusive il-Pum tad-Deheb card

How to apply?
You must be:
- Over 18 years
- A myAPS mobile app user
For further information on eligibility kindly refer to the T&Cs below.
To apply:
- Contact us now or send a myAPS secure message to set an appointment.
- Download the form below, complete it and take it to your appointment with the required documentation listed in the form.
FREQUENTLY ASKED QUESTIONS
Credit Cards
- 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
- 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 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
- APS ATMs withdrawals - charge is of 0.30% of the withdrawn amount (minimum €0.30).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.
Further information
Cashback
✓ Classic credit card holders will earn 0.01c for every €10
✓ Gold credit card holders will earn 0.02c 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
Contact us now
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APS Bank plc is regulated by the Malta Financial Services Authority as a Credit Institution under the Banking Act 1994 and to carry out Investment Services activities under the Investment Services Act 1994. The Bank is a participant in the Depositor Compensation Scheme established under the laws of Malta. Applications are subject to the Bank’s lending criteria. Terms and conditions apply and are available on apsbank.com.mt/terms-and-conditions.