VISA Credit Card Terms

Introductory Rate:
Get 0% APR on all purchases and balance transfers for the first 6 months when you open a new Cyprus Visa Platinum or Platinum Rewards Credit Card. You will also receive 10,000 bonus award points when you spend $1,000 in the first 90 days after opening your new Platinum Rewards card.If you already have a Cyprus Platinum Card you can upgrade to a Platinum Rewards card and get 10,000 bonus rewards points when you spend $1,000 in the first 90 days.(0% balance transfer only applies on transfers from other financial institutions).

Grace Period: How to avoid paying interest on Purchases
Your due date is the 25th day of each month. We will not charge any interest on the portion of the purchases balances that you pay by the due date of each month

Fees:

Annual Fee: None

Transaction Fee: None

Minimum Finance Charge: Average Daily Balance Method (including new purchases)

Cash Advance Fee: 0% of advance. Interest will begin charging on the date of the transaction.

Late Payment Fee: A late charge of 5% of the payment or $25 whichever is greater, shall be charged on any payment not made within 10 days after its due date.

Foreign Transactions: Visa has the right to assess a foreign conversion fee. This fee could be up to 1% of the transaction amount.

Other Charges: $10.00 lost/stolen card replacement fee

 

*VISA® Loan Rate: Based on the Wall Street Journal prime lending rate on the last day of each month, the maximum interest rate over the life of the loan is 18.00%. View Prime Rate Index

VISA Cardholder Agreement

Line of Credit Agreement

Applications are subject to credit approval. Your rate and credit limit will be determined by individual credit worthiness including income, debt ratio, employment and credit history. Verification of income may be required.

 

Home Banking

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Visa Platinum Rewards

APR as low as 11.74%

Visa Platinum

APR as low as 10.24%
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