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Credit Card

Going on a business trip? Need to make a hotel reservation or rent a car? A credit card is convenient for making business payments all over the world. No need to carry around large amounts of cash. Also accepted in most shops and restaurants. Vidanova bank offers the Visa credit card, the number one international credit card. Widely used and trusted for its exceptional convenience and reliability. Our Visa Classic Credit Card offers a limit of up to USD 3,000. Need more room to spend? Our Visa Gold Card offers limits from USD 5,000 and up.

The Visa Gold CardEnjoy a superior purchasing power and benefits

  • The gold standard for excellence, service and acceptance.
  • Pay for your purchases the following month or in installments.
  • Minimum credit limit of USD 5,000.-
  • Auto Rental Insurance cover for vehicle damages
  • All your purchases are insured against fraud (fraud protection).
  • Receive email alerts for each transaction (purchases and withdrawals).
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Some questions that may come up

What is the difference between the old “SFT Bank Maestro” card and the new “Vidanova Bank Mastercard Debit” card?

• The new Vidanova Mastercard Debit Card will have the same PIN code you had in your SFT Maestro
Card. If you don’t remember your PIN please contact Card Support at +5999-7322900 or +1 800 358
8902 during business hours;
• The new Mastercard Debit card can be used at any POS/ATM/Fuel Dispenser in Curaçao and abroad;
• The new Mastercard Debit card can be used to shop online and pay your bills as a regular
debit/credit card. You can also use it In-Apps and register it to pay for your recurrent subscriptions;

How do I make a Chip transaction?

• The cashier or you inserts the card;
• The cashier enters the amount;
• You confirm the amount;
• You select checking or saving account;
• You enter your PIN;
• Leave your card in the Point-of-Sale (POS) terminal until the terminal tells you to remove it;

How do I make a Contactless transaction?

For security reasons, you need to enable the contactless functionality of your card by performing a
successful, approved chip PIN transaction first.
• Look for the “Contactless” symbol at the cashier or Point-of-Sale (POS) terminal;
• Tap your card at the Point-of-Sale (POS) terminal;
• Go, payment done;
Our Point-of-Sale (POS) terminals are chip-enabled;
The daily “Contactless” limit is ANG 100.00;

Where can I use the new Vidanova Bank Mastercard Debit card?

• Shop in-Store;
• Shop Online and in-Apps;
• Pay Contactless;
• ATM (cash withdrawal);

Can I pay online (ecommerce/websites) with the new Vidanova Bank Mastercard Debit card?

Yes, you can buy on any website that accepts Mastercard.
Online will be optional; default will be inactive;

How can I request a new PIN Code and/or a Card Replacement?

You can pass by our premises during business hours and complete the necessary form or you can simply
send us a SECURE MESSAGE through Vidanova e-Banking.

How can I report a lost or stolen card?

• Mastercard Debit card:
o Call +5999-7322900 / +1-800-358-8902 (daily till 22:00) or +1-636-722-7111 (24/7)
• Visa Credit Card:
o Call +5999-7322900 / +1-800-358-8902 (daily till 22:00)

How can I contact Card Support?

• Email: cardsupport@vidanovabank.com;
• WhatsApp: +59997322900 (https://wa.me/+59997322900);
• Social Medias Facebook or Instagram
• Or simple scan our QR-code

What do I need to apply for a Credit Card?

• You should have a bank account with us;
• For Personal Credit Card:
o Last 2 salary slips
• For Business Credit Card:
o Copy of Balance Sheet;

What do I need to apply for a Prepaid Card?

• You should have a bank account with us;

How can I repay my Credit Card?

• Minimum Payment: 5% of the outstanding amount (18% interest per annum is applied);
• Full Payment: Full amount used of the previous month (0% interest per annum is applied);

How can I pay my Visa Credit Card?

Under “TRANSFERS & PAYMENTS”, go to “BILL PAYMENT” and proceed by selecting your account and as
“BILLER” choose “VISA CREDIT CARD PAYMENTS”.

How can I load funds to my Visa Prepaid Card?

Under “TRANSFERS & PAYMENTS”, go to “BILL PAYMENT” and proceed by selecting your account and as
“BILLER” choose “VISA PREPAID DEPOSITS”.

How can I request a limit increase/decrease of my Credit Card?

You can pass by our premises during business hours and complete the necessary form or you can simply
send us a SECURE MESSAGE through Vidanova e-Banking.

How can I setup “Alerts” for my Credit Card usage?

By default, all cardholders will receive an alert for each transaction, either approved or declined, when using
our Visa Credit- & Prepaid Card.

Is my Visa Credit Card insured?

Yes, we do have “Insurance Protection Fee” and the monthly fee is 2‰ of your credit limit.

Is there an annual issuance and maintenance fee?

Yes, we charge a Visa Membership Fee depending on the Visa product you have, and we charge 2‰ of the credit limit for Insurance Protect Fee.

Does the credit card include insurance?

Yes.

If I register my card in stores like Amazon or Netflix, do I have to enter a new CVV every time I make a purchase?

Usually No (only if your address changes like on Amazon).

What's the difference between a credit and a debit card?

A Credit Card is basically a credit facility which the bank borrows (credit limit) which you must repay back the next month in full or in monthly installments (5% of the outstanding balance).

What happens if I exceed my credit limit?

You won’t be able to use your Credit Card until you deposit funds or request a limit increase.

Information you should know before applying for the Vidanova Visa Classic or Gold Credit Card.

If you opt to pay in monthly installments, you should consider how much max you want to repay back (limit credit per Visa product is different). Also, you should consider the annual Visa Membership Fee and the Insurance willing to pay.

Would you like to check out our Debit card?

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