Gold today, gold tomorrow.
Visa Gold Credit
Make every day a better day.
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Benefits at a glance

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Free purchase protection insurance

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Free roadside assistance

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Free PayBand available

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Up to 50 days interest-free period

Show all features

 Accepted worldwide

Free travel, personal accident and medical insurance for you and your immediate family, when travelling abroad using tickets bought with your card

Free purchase protection insurance in Cyprus and abroad, against theft, loss and accidental damage 

Emergency card replacement or an emergency cash advance if your card is lost or stolen when abroad

Free roadside assistance for any car you use in Cyprus 

Free SMS alerts every time you make a purchase or cash withdrawal with your card

Contactless technology, for fast and easy transactions

 Interest-free period if the monthly amount due is settled in full

Incentive schemes and offers

Interest-free instalment schemes at selected merchants in Cyprus

Free mobile phone insurance against loss from theft or damage

* Terms and Conditions apply - Learn more

** Interest-free period information can be found  here

Is it right for me?

With free travel, mobile phone and road insurance - as well as purchase protection - this card sets the gold standard.

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Key features and benefits

Free travel insurance

Free mobile phone insurance

Emergency card replacement or emergency cash advance

Annual Interest Rate 12%

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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.

How long will it take for me to receive my card?

A new or replacement card will be ready for collection from any of our branches within 2 working days from the day of order.

Can I see my card transactions online?

You can view your card transactions through your Web Banking and Mobile App.

Can my card limits be increased if required?

The card is initially issued on the basis of your proposed transaction and daily limits. However, you can apply for a temporary or permanent increase or decrease of these limits to suit your personal requirements.

I have entered my PIN incorrectly three times at an ATM, how can I fix this?

For security reasons your card will be retained by the ATM after entering your PIN incorrectly three times. You can collect it from the Bank during working hours.

What can I do if I have forgotten my card PIN?

If you have forgotten your card PIN, you can call the Service Line. A PIN reminder can be sent to your mobile phone by SMS.

I am planning to travel abroad, what should I do?

We may need to contact you while you are away to verify that certain transactions on your card are legitimate.

If you are travelling in a country where fraud restrictions are applied by the Bank for security reasons, and you intend to use your card, notify us and we will remove the restrictions for the period of the trip.

Are there any charges for using my card abroad?

Within the Eurozone, there are no additional charges for using your card to make purchases. Outside the Eurozone a cross-border handling fee is applied on all transactions as per the Card Charges. In all cases of cash withdrawal a cash advance fee is also applied.

What is APR?

Your APR, or annual percentage rate, is the yearly interest rate you will pay if you carry a balance on your credit card. It takes account of all the costs involved for the card, such as annual fees and the interest rate.

How can I pay my credit card account?

  • If you are registered for Web Banking, you can pay at www.web.hellenicbank.com
  • You can set up a direct debit and free yourself from worry
  • You can pay 24/7 through our ATM network with real time credit
  • You can make payment at any of our branches

Note: If you pay off your entire outstanding amount by the due date each month, no interest is applied.

What are the card payment time frames?

Payments made on any day, including weekends, are processed immediately and funds are available at the same time.

What happens if I do not pay my credit card instalment on time?

If you pay only the minimum required amount on time, the remaining balance plus interest will carry over onto your next credit card statement. If you do not pay the minimum by the due date, you will be charged a late fee.

What shall I do in case of loss/theft or unauthorised use of my card?

In case of loss, theft or unauthorised use of your card, you must immediately contact us and report the incident on the below contact numbers:

  • Service Line 8000 9999 (from Cyprus) or +357 22 500 500 (from abroad)
  • Visa International 001 800 847 2911
  • Mastercard International 80090569