CREDIT CARDS
Get your free APS PAVI-PAMA Credit Card
Main benefits
- No annual fee
- Double loyalty points when shopping at PAVI-PAMA supermarkets
- 500 loyalty points on sign-up
- Cashback on all purchases
- Contactless payments up to €50
- Use at PAVI-PAMA supermarkets and anywhere else, locally or overseas
- Pay online securely using 3DS
- Purchase protection insurance
- Manage your card anytime with myAPS
To apply, you must be:
- A PAVI-PAMA loyalty card holder
- Over 18 years
- A myAPS mobile app user
For further information on eligibility kindly refer to the T&Cs below.
How to apply
- Visit our pop-up shop, located at the exit of the PAVI-PAMA supermarkets from Monday to Saturday, 08:30 to 18:30.
- 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.
Further information
- Terms & conditions apply
- Inform the cashier you are paying with your APS PAVI-PAMA Credit Card to get the double points on your PAVI-PAMA Loyalty Card.
- The double points do not apply at self-checkout and cannot be combined with other offers
- The 500 sign-up points can only be claimed once, when you receive your first APS PAVI-PAMA Credit Card.
Annual Percentage Rate
The Annual Percentage Rate (APR) being charged is 9.10% 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
✓ PAVI-PAMA credit card holders will earn €0.01 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
Book an appointment
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.
Points will be added to your PAVI-PAMA Loyalty Card. Approved and issued by APS Bank plc, APS Centre, Tower Street, B’Kara BKR 4012. APS Bank plc is regulated by the Malta Financial Services Authority as a Credit Institution under the Banking Act 1994. Applications are subject to the Bank’s lending criteria. The Bank is a participant in the Depositor Compensation Scheme and the Investor Compensation Scheme as established under the laws of Malta. Terms and conditions apply and are available on apsbank.com.mt/terms-and-conditions. Further details regarding the PAVI-PAMA Loyalty Card programme, including the applicable terms and conditions, can be found on PAVI-PAMA’s website at pavipama.com.mt.