The Bank of Cyprus Mastercard Credit Card offers a range of features designed for secure, convenient, and rewarding transactions.
The Bank of Cyprus Mastercard Credit Card has three variants: Classic, Gold, and Platinum, each tailored to different income levels and needs.
Mastercard Classic
The Classic variant is designed for individuals with a steady income, providing essential features like free purchase protection insurance and participation in the antamivi rewards scheme. This card is ideal for those seeking a reliable credit card for everyday transactions with added security and rewards. Users can earn points on daily purchases which can be redeemed at participating businesses.
Mastercard Gold
Aimed at higher income earners, the Gold variant includes all the benefits of the Classic card, plus additional perks. Gold cardholders enjoy free mobile phone insurance against theft or accidental damage during insured journeys abroad. This variant also offers higher credit limits, making it suitable for users who require more financial flexibility and additional security measures for their devices while traveling.
Mastercard Platinum
The Platinum variant is targeted at high-income earners and offers the most comprehensive package of benefits. Alongside all the features of the Gold card, Platinum cardholders gain access to the Priority Pass program, which allows entry to 600 airport lounges worldwide at a cost of €24 per visit. This card also includes extensive travel insurance, including coverage for students when travel is paid with a parent’s card, and higher rewards through the antamivi scheme. This makes it an excellent choice for frequent travelers who value comfort and extensive coverage.
Comparison
In summary, the Classic card provides fundamental features and rewards for daily use, the Gold card adds valuable insurance and higher limits, and the Platinum card delivers a premium experience with travel perks and extensive insurance options. Each variant builds upon the previous one, offering progressively more benefits to match the needs and spending habits of different income groups.
Key Features and Benefits
Digital Wallet Integration
- Contactless Payments: Compatible with Apple Pay, Google Pay, BoC Wallet, Fitbit Pay, Garmin Pay, and Settle for fast and secure transactions.
Rewards Program
- Antamivi Scheme: Earn points on daily transactions with Bank of Cyprus cards, redeemable at participating businesses.
Travel Benefits
- Priority Pass: Platinum cardholders can access 600 lounges in 300 cities across 100 countries for €24 per visit.
- Free Travel Insurance: Coverage when using the card to pay for trips, including student travel insurance when using a parent’s card.
Purchase Protection
- Purchase Insurance: Free insurance against theft, loss, and accidental damage for purchases in Cyprus and abroad.
- Mobile Phone Insurance: Coverage against theft or accidental damage during insured journeys abroad for Gold and Platinum cardholders.
QuickCard
- Instant Issuance: Get your Mastercard Classic instantly.
Savings Program
- Save a la Card: Save money using the card, though not applicable to new cards or those linked to existing Save a la Card accounts.
Interest-Free Period
- Interest-Free Days: 20 to 40 days interest-free period upon settling the full card account amount.
Security and Technology
- Contactless Transactions: Advanced technology for safe and quick daily transactions.
- SMS Alerts and Push Notifications: Enhanced protection for card payments.
Additional Information
- Online Banking: Access services through Internet Banking, BoC Mobile App, CISCO Online, Internet Factoring, and IBU Gateway.
- Customer Support: Available via phone (800 00 800), contact forms, and branches/ATMs.
- Useful Links: Information on commissions, charges, exchange rates, and more.
Feature | Mastercard Classic (Bank of Cyprus) | Mastercard Gold (Bank of Cyprus) | Mastercard Platinum (Bank of Cyprus) | Hellenic Bank Platinum Visa | Alpha Bank Gold Mastercard |
---|---|---|---|---|---|
Target Audience | Steady income earners | Higher income earners | High-income earners | High-income earners | High-income earners |
Rewards Program | Antamivi points | Antamivi points | Antamivi points | Reward points | Reward points |
Free Travel Insurance | Yes | Yes | Yes (including student travel insurance) | Yes | Yes |
Purchase Protection Insurance | Yes | Yes | Yes | Yes | Yes |
Mobile Phone Insurance | No | Yes | Yes | No | No |
Priority Pass | No | No | Yes (600 lounges, €24 per visit) | Yes (1,000 lounges, specified fees) | Yes (1,200 lounges, specified fees) |
Free ATM Withdrawals Worldwide | No | No | No | No | No |
Emergency Cash Advance | No | No | Yes | Yes | Yes |
Digital Wallet Integration | Apple Pay, Google Pay, BoC Wallet, Fitbit Pay, Garmin Pay, Settle | Apple Pay, Google Pay, BoC Wallet, Fitbit Pay, Garmin Pay, Settle | Apple Pay, Google Pay, BoC Wallet, Fitbit Pay, Garmin Pay, Settle | Apple Pay, Google Pay | Apple Pay, Google Pay, Garmin Pay |
Contactless Transactions | Yes | Yes | Yes | Yes | Yes |
Credit Limits | Standard | Higher | Highest | Higher | Higher |
Security Features | SMS alerts, push notifications | SMS alerts, push notifications | SMS alerts, push notifications | SMS alerts, push notifications | SMS alerts, push notifications |
How does it compare?
The Bank of Cyprus Mastercard Credit Card offers three variants: Classic, Gold, and Platinum. The Classic card is suited for steady income earners, providing essential rewards and purchase protection. The Gold card, ideal for higher income earners, adds mobile phone insurance and higher credit limits. The Platinum card, designed for high-income earners, offers premium travel perks such as Priority Pass access and extensive travel insurance. Compared to rival cards like the Hellenic Bank Platinum Visa and Alpha Bank Gold Mastercard, the Bank of Cyprus Platinum card stands out with its comprehensive travel benefits and insurance coverage.
Summary
The Bank of Cyprus Mastercard Credit Card is a versatile financial tool that caters to different income levels with its Classic, Gold, and Platinum variants. It provides robust travel benefits, comprehensive insurance coverage, and a rewarding points program. The digital wallet integration and advanced security features ensure secure and convenient transactions. Whether you are looking for basic financial solutions or premium travel perks, this card offers a well-rounded package to meet your needs. For more details, visit the HERE