Open the Door to New Flexibility with the APS Credit Cards

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.

Classic Credit Card
Gold Credit Card
Classic Credit Card

Main features

  • No annual fee
  • Earn cashback on your purchases
  • Contactless payments up to €50
  • 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
Gold Credit 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.
Download form
View T&Cs

Further information

Annual Percentage Rate

The Annual Percentage Rate (APR) being charged on both classic and gold credit cards is 7.8% 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

✓ 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

Valid from 23 May 2025
Purchase Protection Insurance - Product Information Document
Purchase Protection Insurance - Policy Terms
Travel Insurance - Product Information Document
Travel Insurance - Policy Terms for Gold Credit Card holders
Valid until 22 May 2025
Purchase Protection Insurance - Product Information Document
Purchase Protection Insurance - Policy Terms
Travel Insurance - Product Information Document
Travel Insurance - Policy Terms for Gold Credit Card holders
Coronavirus Extension on Travel Policy
FREQUENTLY ASKED QUESTIONS

Credit Cards

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.
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
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
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.

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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.

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.