Personal Cards


Earn points on your purchases and enjoy great benefits!

Make your purchases using Hellenic Bank credit cards at any outlet/shop in Cyprus and abroad and be rewarded with shopping, holidays and relaxing getaways!

For every euro spent you are rewarded with one point. Redeem your points for gift vouchers and enjoy shopping, holidays and accommodation in selected merchants!

Help and support

Frequently asked questions

Need help? You can always contact us for any questions you have. But before you do, take a look at our FAQ list to see if your questions have already been answered.

What is the “points4U” scheme?

It’s a point’s collection scheme where all Hellenic Bank Visa and Mastercard credit cards are eligible to participate.

How does the “points4U” scheme work?

Every time you use your Hellenic Bank credit card for your purchases, points are accumulated which can be redeemed for gift vouchers. The gift vouchers can be used at selected merchants in the field of airlines, travel agencies, hotels and supermarkets.

From which outlets can customers accumulate points?

Points are accumulated from every purchase at any outlet/shop in Cyprus and abroad. Cash withdrawals, SEPA Direct Debits and other charges not deriving directly from the use of card are not rewarded with points.

What is the purchases/points exchange ratio?

Every purchase using your credit card is rewarded with 1 point per €1 spent. Payments to Governmental Services, Municipalities and Utility Services, are rewarded with points equal to 10% of the transaction amount, maximum 5.000 points per transaction.

What is the point’s redemption ratio?

10 000 points = €25 Voucher

20 000 points = €60 Voucher

30 000 points = €105 Voucher

50 000 points = €200 Voucher

How do I know how many points I have accumulated?

Information on the number of points accumulated, number of points exchanged and number of points available are indicated on your card account’s monthly statement. You can also be informed through the Bank’s Service Line, Web Banking and any of the Bank’s branches.

When does the scheme expire?

The scheme expires on 31/08/2020.

What happens if I own more than one card or when I own a supplementary card?

If the main cardholder has more than one credit card then the points can be combined. The points accumulated by the use of supplementary cards are added and shown in the main cardholder’s monthly statement.

Can I transfer my points to another person’s credit card?

The transfer of points from or to another person’s credit card is not allowed. Points of a personal and a company card of the same cardholder cannot be combined.

Where can I redeem my points and issue a voucher?

You can redeem your points and issue a gift voucher at any Hellenic Bank branch.

Note: The gift vouchers are not nominal thus you will have to treat the voucher as cash. In case of loss, the voucher cannot be re-issued or refunded.

What happens with my points if I decide to close my credit card?

We advise as you redeem your points before closing your credit card. Once a card is closed the points cannot be redeemed.

Is there an additional subscription in order to participate in the “points4U” scheme?

Participation in the “points4U” point’s collection scheme is free of charge.

Do gift-vouchers have an expiration date?

Gift-vouchers are valid and can be redeemed within 3 months from the date of issue.

In which schemes do my debit cards participate?

Your debit cards participate in campaigns, competitions and various draws announced by the Bank from time to time.