WHY DO I BELIEVE?
Banif Bank has collaborated with PAVI Supermarket in order to come up with an exclusive co-branded card, which is the first card product of its kind to be launched in Malta.
The PAVI Credit Card has been specifically designed to offer a different shopping experience, giving me extra financial flexibility and exclusive benefits that will enable me to save on my shopping at PAVI Supermarket and other outlets within the Complex.
I can get the PAVI Credit Card from any Banif Bank branch free of charge. As a one-time subscription offer, enclosed with my card I will also receive a number of discount vouchers amounting to €50 redeemable at the outlets within PAVI Shopping Complex, together with 500 PAVI Bonus Points.
As a PAVI Credit Card holder I will also earn double PAVI Bonus Points on purchases paid with my card during the first 12 months from the date of first issue. These bonus points can be exchanged for cash vouchers which can be used to pay for future shopping at PAVI Supermarket and at other outlets within the PAVI Shopping Complex.
The PAVI Credit Card offers flexible repayment options with an interest free period that can go up to 51 days.
The PAVI Credit Card has been specifically designed to enable me to do my shopping when it is more convenient for me rather than having to wait for my next salary and thus reduce the number of shopping trips.
My card is equipped with the new EMV Chip Technology which enhances security and requires the use of the PIN to authorise my purchases, hence replacing the need to sign a transaction receipt upon card usage.
Applying for my PAVI Credit Card is simple. All I need to do is to present my PAVI Bonus Card at any of the Banif branches and take my ID and FS3 with me.
If I still need to enroll to the PAVI loyalty scheme, I need to speak to a representative from PAVI Customer Care and apply for the PAVI Bonus Number before calling at any Banif branch.
THAT HELPS ME
The monthly statement will be issued on the 2nd of each month or the next business day if this falls on a Saturday, Sunday, public or bank holiday. The Bank will not issue a monthly statement if no amount has been debited or credited to the card account since the preceding monthly statement was issued, or if there is no outstanding balance due by the card holder in respect of the card account. Furthermore, the payment date for the direct debit mandate is on the 22nd of each month or the next business day if this falls on a Saturday, Sunday, public or bank holiday.
A minimum of 50% of your balance needs to be settled with every month’s direct debit. The card holder can also choose to pay 75% or 100% of the balance. Additional repayments can also be made through internet banking.
- No daily limit on purchases.
- ATM Cash Advance of up to €500.
A standard credit limit of €500 applies. Higher limits can be applied for on an individual basis.
No annual fee is applicable on the PAVI Credit Card.
Card holders will get 2 points for every €1 spent. In addition, PAVI Supermarket will give extra Bonus Points on individual products under special offers, and for total purchases in excess of a minimum value as established by PAVI Supermarket. Card holders can earn double the points given on such schemes, as may be offered by PAVI from time to time.
The PAVI Credit Card can be used both within the PAVI Shopping Complex as well as outside the Complex, at other retailers or ATMs. If the card is used for payment outside the PAVI Shopping Complex a fee of €2.50 will be charged for each effected transaction.
ATM withdrawal fees, missed repayment fees, over the limit fees and other fees may be applicable as per Bank's Tariff of Charges.
Investigation Fees on Disputed Transactions
When the card holder reports an unauthorised transaction, the Bank will carry out a full investigation. If following an investigation
by the Bank, the investigation results show that the report made by the Card holder was unfounded, the Bank will collect the respective disputed transaction fee from the Card holder.
Loss or Theft of Card
The Bank must be notified immediately by calling on 2260 1000 or by visiting any of the Bank’s branches during opening hours when:
- the card has been lost or stolen; or
- the PIN has become known to a third party; or
- there is a suspicion that the card and/or the PIN may have been misused in any way.
Such notification may also take place at any bank branch displaying the Visa brand signage.
Terms & conditions apply. All credit cards are subject to the Bank’s lending criteria. The Bank reserves the right to withdraw or amend any of the above at its sole discretion. Banif Bank (Malta) plc is a credit institution licensed to undertake the business of banking by the MFSA in terms of the Banking Act 1994. Registered in Malta C41030 – 203, Level 2, Rue D’Argens, Gzira, GZR 1368, Malta.
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