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BOV Visa Classic and BOV Mastercard
The BOV Visa or the BOV Mastercard are the cards for your everyday purchasing needs. They are the ideal choice if you need a card that you can use as easily when you are travelling abroad as when you are at home.
Terms & Conditions
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Using a credit card is easy!

When effecting a purchase from a retail outlet, present your card to the cashier. When using the BOV Visa  or BOV Mastercard, they will insert the card into the EPOS machine and you will be asked to key in your PIN (Personal Identification Number) to authorise the transaction. That’s all there is to it!

You will then get a monthly statement listing all the purchases, cash withdrawals and payments you have made from your card. It will also show the smallest amount you can repay for that month, which can be as little as €12 or 5% of the outstanding balance – whichever is the greatest.

If the full amount is paid within 25 days of the statement date, no interest will be charged. Depending on the time the purchases are made, you can have up to 55 days of interest-free credit!

Credit Limit
Every cardholder is given a minimum credit limit of €700. However a larger limit may be applied for at any time by the cardholder, furthermore, arrangements can also be made for a larger limit to be available for a short-term period. If a supplementary card is issued, the same limit applies to the combined spending on both cards. The supplementary card is issued for free.

You may apply for both a BOV Visa and Mastercard. In such case a separate limit will be given for each card.

Paying for goods and services - The BOV Visa and Mastercard are accepted in over 12 million outlets around the world. You can pay for the products and services in shops, restaurants, hotels, travel agents and airline offices, to mention a few, that display the credit cards’ logo.

Instant Cash
You can use credit cards to withdraw cash at banks and cash machines (ATMs) all over the world. The amount you withdraw will appear in your monthly statement. There is a small charge for this and interest will be charged from the date of withdrawal. All you need is a Personal Identification Number (PIN), which is automatically supplied with the card.Convenience - You do not need to write cheques or carry large amounts of cash. You can also use your card to pay for mail order shopping and for things you order through the phone or the Internet.Flexibility and control - Using a credit card can help you to control your finances and spread your spending over time. In this way you can pay for expensive items without disrupting your normal budget.

Free Purchase Protection Insurance
BOV Visa Classic and Mastercard holders purchasing goods in Malta and abroad and paying with their card will benefit from a free Purchase Protection Insurance Policy that safeguards the interests of the client on certain purchases. For the policy claim form click here.

The Period of Cover is 90 days for both Local and Overseas Purchases.

The Purchase Protection Insurance policy is arranged by MAPFRE Middlesea Insurance. 

Visa or Mastercard?
There is only one honest answer to this question – decide for yourself! The additional services provided by the cards are identical; they are accepted by similar numbers of outlets everywhere in the world.
You get:
  • A minimum credit limit of €700 or more;
  • A free supplementary card if eligible;
  • A Personal Identification Number (PIN);
  • Withdraw from ATMs worldwide;
  • Free Purchase Protection Insurance Policy;
  • A 24-hour Emergency helpline.

You can:
  • Use your card in over 12 million outlets worldwide;
  • Use your card to pay for mail order, phone or internet purchases.

The BOV Visa Classic Card and BOV Mastercard are chip and pin cards, and contain an embedded microchip and are authenticated automatically using your personal identification number (PIN).

We have added an extra level of security for Visa and MasterCard payments, which protects you from the unauthorized use of your credit card. 3D Secure technology consists of the programs 'Verified by Visa' and 'Mastercard SecureCode'.

Interest Rates may change after this product has been acquired and peripheral products may incur their own rates. Please refer to the Bank's Tariff of Charges updated information, or contact any BOV Branch or our BOV Customer Service Centre on (356) 2131 2020 for additional information.

The standard interest rate for BOV Visa Card including those held by BOV Club members, BOV Graduates members and
BOV Shareholders, is currently 5.25% above the Bank’s Base Rate. A penalty interest charge for defaulting cardholders is charged at an additional 2% on prevailing rate. This increase in rate is applied when the credit limit is exceeded and/or when minimum payment is not met.

Fees and Charges
Fees and charges may change after this product has been acquired and peripheral products may incur their own costs. Please contact any BOV Branch or our BOV Customer Service Centre on 2131 2020 for additional information.
The following are the applicable charges on the BOV Visa Card 

Joining Fee   n/a
Initial Fee     €21
Visa and Mastercard together   €30
 First Supplementary Card - Yearly  NIL
 Second Supplementary Card and Subsequent cards - Yearly  €6
 Cash Advance/ATM Withdrawal from Issuing Bank in Malta  0.4% min €0.23

Check out the Tariff of Charges from here. Fees and charges may change after this product has been acquired and peripheral products may incur their own costs. 

Check out the Product Info Guide for the latest updated version of the Terms and Conditions. Alternatively  you may request the Terms and Conditions from any BOV branch, by contacting our Customer service Centre on 21312020 or by sending an email to [email protected].
The BOV Visa Classic and BOV Mastercard are chip cards with major advancements in card security technology. Further information about Chip and PIN cards and how to use them can be found here.
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How to Apply?

If you are 18 years and over you can apply for any or both of the BOV VISA Classic and Mastercard. Simply visit your BOV branch where our Relationship Officers will be glad to assist you in all your requirements.

If you want more details about the BOV Visa Classic and BOV Mastercard, you may 
- call our Customer Service Centre on (356) 2131 2020
- send us an email at [email protected]
-click on the 'Get in Touch' icon at the top (right hand corner) and submit your query and contact details. We'll contact you as soon as possible
-visit the BOV Branch of your choice.
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Visa and MasterCard Classic-Product Information Guide
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Bank of Valletta p.l.c. is a public limited company regulated by the MFSA and is licensed to carry out the business of banking and investment services in terms of the Banking Act (Cap. 371 of the Laws of Malta) and the Investment Services Act (Cap.370. of the Laws of Malta).