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Gold Card

With a Gold Credit Card from Banif Bank I can pay for my everyday purchases without the need to carry cheques or cash. Cash advances can be made from any Visa supported network, both locally and abroad. To apply for a Gold Credit Card, I have to be at least 18 years of age and earn a minimum gross annual income of €25,000.  


Key benefits 

The Gold Credit Card gives me some fantastic benefits. I can enjoy a minimum credit limit of €7,000 whilst choosing my own repayment options. In addition, I can benefit from: 

  • free travel insurance 

I am entitled to a complimentary travel insurance that gives me comprehensive protection while travelling abroad. The policy covers me for medical and hospital expenses, loss or damage to personal items, travel delays, cancellation of travel and legal liability. 

To benefit from this cover, all I need to do is to purchase my travel arrangement using my Gold Credit Card. The travel insurance covers me, my spouse or my partner (if cohabiting for more than 6 months), and my children (up to the age of 18 or 23 if still in full time education). For more details of the cover provided, limited, conditions and exclusions of the policy, click here

The policy is issued by Axeria Assistance Limited and claims are handled locally by JATCO Insurance Brokers on telephone number 00356 2132 4875. To download the claim form, click here

  • free purchase protection insurance 

I can also benefit from a complimentary Purchase Protection Insurance which provides me with protection against loss, theft or damage for a wide range of personal goods, purchases using my Gold Credit Card from Banif Bank. 

I am automatically covered for 90 days from date of purchase for item purchased with my Gold Credit Card both in Malta, Gozo and abroad. Claims have to be made within 45 days from the date of loss or damage. 

For more details about the cover provided, limited, conditions and exclusions of the Purchase Protection Insurance policy, click here

The policy is issued by Axeria Assistance Limited and claims are handled locally by JATCO Insurance Brokers on telephone number 00356 2132 4875. To download the claim form, click here

  • Priority Pass 

At last, I can escape the chaos of cancellations, flight delays and crowded airport departure halls and instead enjoy a quiet sanctuary where I will find everything I need - for business or relaxation prior to a flight! 

Priority Pass provides frequent travellers with Airport lounge access, irrespective of the class of travel, airline flown or existing membership in an airline loyalty program. 

Priority Pass membership gives me access to: 

    • over 600 VIP lounges in more than 100 countries and 325 airports worldwide; 
    • entry to 100 US lounges normally exclusive reserved for airline lounge program members; 
    • access to a relaxing ambience - for both myself and my guests; 
    • complimentary refreshments and snacks; and 
    • email, internet and conference space availability. 

My Gold Card Package from Banif provides me with a complimentary Priority Pass membership without having to pay the applicable annual membership fee (currently €99). To avail myself of all the above facilities, I just need to pay the normal €24 fee per visit. 

  • Priority Travel - Spa & Wellness Programme 

Whether booking for a long rest at a rejuvenating retreat, or needing a quick pick-me-up during a busy schedule, Priority Traveller offers a range of privileges. 

With Priority Traveller I have access to over 350 spas, wellness centres, health clubs and fitness centres in 39 countries worldwide. 

With a Gold Credit Card, I can benefit from a Priority Traveller membership. My guests and I will be able to enjoy a wide range of privileged rates and complimentary treatment, such as: 

    • privileged rates for spa treatments and products; 
    • privileged rates for accommodation at resort spas; 
    • privileged rates for spa packages; 
    • complimentary treatments; 
    • 2 treatments for the price of 1; and
    • complimentary treatment upgrades. 

For more details and information on how to book, I can visit and login by entering my membership number as it appears on my card. 

  • Priority Traveller - Bag-Guard Tags

Priority Traveller Bag-Guard Tags are the answer to lost luggage. 

I can protect my luggage with Priority Traveller's unique Bag-Guard tags. Should my checked-in luggage become lost, I simply need to notify the airline and call my Priority Traveller membership Office who will help me travel down my luggage and have it returned to me. 

All I need to do is: 

    • remove all old airline destination labels from my luggage; 
    • secure my Priority Traveller Bag-Guard tags to the handles of my luggage; and 
    • at check-in, verify that the airline destination label is correct.

It is important that I always keep Priority Traveller informed of changes to my address and telephone number in case they need to contact me regarding a retrieved luggage. 

All I have to do to apply for the Priority Collection package is to express my request by sending an email on with my full name and ID card number or simply place a request through Banif's Internet Banking - Banif@st. The option can be found within the Credit Cards menu. 

  • The Starwood Preferred Guest® program

My Gold Card Package from Banif will automatically entitle me to free membership at the Starwood Preferred Guest® program. 

the Starwood Preferred Guest® program is a complimentary pass to over 1,000 hotels and resorts in nearly 100 countries across 9 hotel brands. 

Benefits include: 

    • two Starpoints® for every eligible U.S dollar spent, including restaurant and room service charges, in-room movies and more;
    • Starpoints® redemption options, including Free Night Awards without blackout dates, Award Flights and much more - starting at just 2,000 Starpoints;
    • members-only offers so I save on luxurious getaways and quickly earn bonus Starpoints for my stays; 
    • my Starpoints never expire as long as I show account activity once a year;
    • free Night awards are available when I need them to be; 
    • enjoying the fifth night free; 
    • room and suite upgrades; 
    • instant Awards SM Redeem Starpoints for an array of in-hotel indulgences; 
    • access to airline tickets through SPG Flights on more than 350 airlines without blackout dates; 
    • invitations to unforgettable experiences, through SPG Moments including meet and greet with A-list artists and athletes, backstage concert passes, pro golf clinics and much more. 

For more details on the benefits offered by my Starwood Preferred Guest® program click here. 

To apply for this package I have to join the Starwood Preferred Guest® program and request my Card by following this link

  • insurance and health scheme discounts 

Being a Gold Credit Card holder, I can enjoy special discounts on Atlas Insurance health schemes. 

I can benefit from a 10% discount on the normal subscription rates for private healthcare insurance if I pay the premium by using my Gold Credit Card. 

Health insurance makes it affordable to receive treatment as a private patient. 

I can: 

    • avoid waiting lists; 
    • cut down on the time it takes me to get better; 
    • choose where to receive treatment;
    • choose who provides the treatment; 
    • benefit from being treated in private facilities with a private room. 

I can choose the plan which suits me best from the International Plan, the Private Hospital Plan and the Private Clinic Plan. For further information please visit

Furthermore through JATCO Insurance Brokers I can benefit from a reduction of 5% on annual premiums for Home, Motor and Travel Insurance policies. All I have to do is pay the premium with my Gold Credit Card upon sign-up and renewals thereafter. 

For more information about the policies offered, I can contact JATCO Insurance Brokers Ltd on 00356 2132 4875. 

  • a refund on my annual card fee

By simply using my Gold Credit Card for my regular monthly spending at supermarkets, retail outlets, restaurants, petrol stations, online or even when paying utility bills. I can get a full refund on my annual card fee. Terms and conditions apply

  • Visa Global Customer Assistance Services 

Emergency Assistance for Travellers 

No matter where I travel, I can call the Visa Global Customer Assistance Service number 24 hours a day, 7 days a week and a customer service representative will be available to assist me. I can call on 001 443 641 2004 for assistance. 

I can lodge a lost or stolen card report, arrange for a replacement Credit Card or emergency case delivery with my Bank's approval and make any other Visa Card-related inquiry. 

To best assist the customer service representative, it is important that I have this information at hand: 

  • name of my Bank - Banif Bank (Malta) plc; 
  • Credit Card type (e.g Visa Classic, Visa Gold, PAVI Card); 
  • country where the card was issued - Malta; 
  • exact cardholder name as printed on the card;
  • billing address - where I receive my monthly Credit Card statement 
  • home phone number; 
  • circumstances of the loss or theft; 
  • my identification verification information, as provided when I applied for my card (e.g date of birth, mother's maiden name or similar). 

If I know the full sixteen (16) -digit credit card number, this information will help reduce the time it takes to cancel my lost or stolen Credit Card. Fees apply for use of this service. Please refer to the Banif Tariff of Charges. 

Getting started  

Applying for a Gold Credit Card is simple. All I have to do is visit a Banif branch and take with me: 

  • my ID Card; 
  • evidence of income; last year's FS3 and the last 3 months' payslips OR if I am self-employed, my last 3 years' Income Tax return, including Profit and Loss Account; and 
  • bank statements of all my accounts held with other banks. 

The Bank reserves the right to request further documentation if deemed necessary. 


3D Secure 

The Gold Credit Card from Banif Bank is 3D Secure. This technology gives me an additional layer of security when shopping online, and further protects against unauthorised and fraudulent card transactions by requiring authentication whenever an eligible purchase is made.  More information, including an FAQ and terms and conditions, are available here.



Terms and conditions apply. All credit cards are subject to the Bank's lending criteria. The Bank reserves the right to amend or withdraw the product from the market at any time at its sole and absolute discretion and without any prior notice. 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 and is a member of the Depositor Compensation Scheme established under the Depositor Compensation Scheme Regulations (Legal notice 383 of 2015). Registered in Malta C41030 - 203, Level 2, Rue D'Argens, Gzira, GZR 1368, Malta.

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