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Credit cards in Malta

Compare credit cards in Malta

This editorial comparison reviews the BOV Visa Classic Card and HSBC Malta Mastercard Credit Card using current official product information and card tariffs. Card-specific figures that are not clearly published remain marked as not stated.

Data is reviewed manually each month. The card issuer’s current documents prevail.

Feature Bank of Valletta p.l.c.BOV Visa Classic CardHSBC Bank Malta p.l.c.HSBC Mastercard Credit Card
Product typeCredit cardCredit card
CurrencyEUREUR
Credit limit Minimum €700; final limit is subject to lending criteria and branch approvalSource: Bank of Valletta: Visa Classic CardSet individually; not stated on the public product pageSource: HSBC Malta: Mastercard Credit Card
Interest / APR Not stated in the public product guide reviewedSource: Bank of Valletta: Visa Classic CardCurrent card rate must be confirmed in HSBC terms; no fixed product rate is stated on the compared pageSource: HSBC Malta: Mastercard Credit Card
Interest-free period According to the statement and current card conditionsSource: Bank of Valletta: Visa Classic CardUp to 56 days for purchases when the full amount is repaid under the card conditionsSource: HSBC Malta: Mastercard Credit Card
Minimum payment According to the statement and current card conditionsSource: Bank of Valletta: Visa Classic Card€12 or 5% of the outstanding balance, whichever is higherSource: HSBC Malta: Mastercard Credit Card
Monthly fee Not charged as a separate monthly fee in the tariff reviewedSource: Bank of Valletta: Tariff of ChargesNo separate monthly fee statedSource: HSBC Malta: Standard Card Fees
Annual fee €21Source: Bank of Valletta: Tariff of Charges€21Source: HSBC Malta: Standard Card Fees
Cash-advance fee BOV ATM: 0.4%, minimum €0.23; other-bank ATM: €3 + 0.33%Source: Bank of Valletta: Tariff of ChargesHSBC Malta ATM: 0.3%, minimum €0.60; non-HSBC ATM: 1%, minimum €5Source: HSBC Malta: Standard Card Fees
Balance-transfer fee Not statedSource: Bank of Valletta: Visa Classic CardNot stated; cash-related transactions can attract interest from postingSource: HSBC Malta: Mastercard Credit Card
Rewards / cashback No quantified rewards programme stated for the Classic cardSource: Bank of Valletta: Visa Classic Cardhome&Away merchant offers; no fixed cash value statedSource: HSBC Malta: Mastercard Credit Card
Insurance and benefits Purchase Protection Insurance for eligible purchases for up to 90 daysSource: Bank of Valletta: Visa Classic CardNo card insurance amount stated on the Classic Mastercard product page reviewedSource: HSBC Malta: Mastercard Credit Card
Basic conditionsResidents provide identity and income documents; facilities remain subject to normal lending criteria and final branch approval.Subject to HSBC Malta’s current application requirements and credit assessment.
AvailabilityMalta; Bank of Valletta.Malta; HSBC Bank Malta.

Assessment by use case

Both cards publish a €21 annual fee. BOV publishes a minimum €700 credit limit and purchase-protection cover. HSBC publishes up to 56 interest-free days and a minimum monthly payment of €12 or 5% of the balance. Compare the final interest rate, cash-use costs and eligibility before applying.

Our methodology

  • We use only official product guides, card pages, tariffs and conditions from Bank of Valletta and HSBC Malta.
  • We do not infer an interest rate, repayment amount or benefit where the named issuer document does not state it.
  • The current bank contract, individual lending decision and applicable Maltese rules prevail.

More information

Frequently asked questions

Which Maltese credit cards are compared?

The BOV Visa Classic Card and HSBC Malta Mastercard Credit Card.

What annual fee is published?

The official tariffs reviewed publish a €21 annual fee for each card.

What should I verify before applying?

Verify the current interest rate and APR, minimum payment, annual fee, cash-advance cost, foreign-currency fee, credit limit and lending criteria.

Official sources

Bank of Valletta p.l.c. — BOV Visa Classic Card

Last reviewed: 2026-07-24

HSBC Bank Malta p.l.c. — HSBC Mastercard Credit Card

Last reviewed: 2026-07-24

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Verified comparison guidance

How to assess loan options in Malta

Start with the total amount repayable, all mandatory fees, the repayment schedule and the effect on your essential spending. Check the contracting firm with Malta Financial Services Authority (MFSA); a register entry does not prove that a product is available or suitable.

What is verified

The market, currency (EUR), regulator and complaint route below were checked against the cited official sources.

What remains offer-specific

Rates, fees, amounts, terms, eligibility and approval speed remain unknown until a provider gives you a current, personalised disclosure.

Decision checklist

  1. Confirm the legal provider and product source.
  2. Compare total repayment, not only the instalment.
  3. Stress-test the payment against essential costs.
  4. Save the disclosure, agreement and complaint records.

If something goes wrong

Complain to the provider first and keep its final response. Then check the current eligibility and deadline rules published by Office of the Arbiter for Financial Services.

Malta Financial Services Authority (MFSA) Office of the Arbiter for Financial Services
What should I verify before using a credit-card-comparison page in Malta?

Verify the provider, total repayment, mandatory fees, schedule, affordability, contract and complaint route. Do not treat an example, ranking or register entry as a personalised offer.

Editorial review: Reviewed by Rostislav Sikora on 2026-07-17. Credizen is a comparison service, not a lender or financial adviser.

Important information

This is an editorial comparison, not a credit offer or personal financial advice.

Rates, fees, limits and approval depend on the bank, the contract and individual assessment.

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