Hellenic Bank Credit Card
Most expensive local card · Travel insurance · Lounge access · Now under Eurobank Cyprus
Score Breakdown
Last updated: March 2026
Quick Facts
Full Fee Table
| annual Fee | ~€90/year (Gold/Platinum tier) |
| monthly Fee | €0 |
| fx Fee | ~1.5% |
| atm Fee | Fee applies |
| apr | Not publicly published |
| cash Advance Fee | Fee applies |
| late Fee | Fee applies |
The former Hellenic Bank credit card — now issued under Eurobank Cyprus following the 2025 merger — is the most expensive local credit card at approximately €90/year. The premium price buys you travel insurance and lounge access on Gold/Platinum tiers. Honest take: Bunq or Revolut Metal offer better value for less.
🎯 Best for: Premium perks for established long-term residents
Overview
The former Hellenic Bank premium credit card — now issued under Eurobank Cyprus — is the most expensive local option at approximately €90/year. The honest comparison: Revolut Metal costs €15.99/month (€191.88/year) but offers far superior perks. The main reason to have this card is to build local credit history alongside the travel insurance.
Fees & Costs
At ~€90/year, this is the most expensive credit card among local Cypriot banks. Add the 1.5% FX fee and it becomes genuinely costly for international spending. The travel insurance and lounge access are real benefits, but you can get equivalent or better coverage from fintech alternatives at lower cost.
Card Acceptance
Full Mastercard acceptance everywhere including car rentals and hotels.
Perks & Rewards
Travel insurance and airport lounge access (Gold/Platinum) are the headline perks. Purchase protection adds useful consumer protection. These are genuine benefits — the question is whether €90/year is the right price for them.
Our Verdict
Hard to recommend at €90/year when Bunq, Revolut, or even the Bank of Cyprus Classic offer better value. The only compelling reason to have this card is if you specifically want premium perks alongside a local Cyprus credit card for credit history purposes.
✅ Pros
- ✓Travel insurance included
- ✓Airport lounge access on Gold/Platinum tiers
- ✓Purchase protection
- ✓Builds local Cyprus credit history
- ✓Full Mastercard acceptance
- ✓Backed by Eurobank Cyprus network
❌ Cons
- ✗~€90/year — most expensive local credit card in Cyprus
- ✗Requires proof of local income
- ✗~1.5% FX fee — expensive for international spending
- ✗Revolut Metal (€15.99/mo) offers better perks for similar money
- ✗APR not published
- ✗Post-merger brand transition
Who Can Apply
- →Eurobank Cyprus (former Hellenic Bank) current account
- →Cyprus proof of address
- →Proof of local income
- →Valid passport or ID
How to Apply
- 1 Hold a Eurobank Cyprus current account
- 2 Visit your branch and request a premium credit card
- 3 Submit income documentation
- 4 Wait for credit assessment
- 5 Card delivered to Cyprus address
Learn More About Hellenic Bank Credit Card
Visit the official website for current terms and to apply.