Health Benefit

New line of credit cards from Emporiki Bank – “Health Benefit"

Free check-up every year from your credit card!

The new line of Emporiki Bank credit cards ‘Health Benefit’ offers you a unique advantage no other credit card does!

Free health check-up every year in 650 locations throughout Greece!

Get the credit card that fits your style today and enjoy some significant health privileges:

• 20% discount on all medical examinations, refractive surgery operations and plastic surgery operations
• 10% discount on hospital charges in all medical centers of the Euromedica Group, in the Dietology and Cosmetic Medicine departments, on all airborne transfers and on at-home treatments

Furthermore, you have access on a 24/7-health line where you get medical advice and information on the network of the examination centers throughout Greece (650 medical centers, 13 hospitals and 3 Ophthalmologic Centers of the Euromedica Group).

This way you not only look after your health but also get many other privileges.

Get two insurance programs totally free of charge

• Travel insurance covering the cardholder and his family in the following cases:
  • Flight delays, luggage delays, flight cancellation due to illness or accident, luggage loss, theft or destruction, etc.
  • Accidents, medical expenses due to accidents, etc., and life insurance and permanent total or partial disability insurance.
• Life insurance coverage or permanent total disability coverage for the total balance of your credit card with a minimum amount of 500 euros and without a ceiling, also covering future payments from interest-free installment transactions

Enjoy the unique privileges of Emporiki Bank credit cards

• Transparency with a guaranteed interest free period of up to 30 days for new purchases
• Interest rebate of up to 30%, depending on the use of the card per quarter
• Free subscription for the first year or for ever, depending on the annual use of the card
• Additional subscription-free Visa or MasterCard for the whole period the main card is in use without payment delays
• Privileged interest rate of 6.9% (floating rate) for credit card balance transfers from other banks
• Free transactions through the Emporiki Bank ATM network

Furthermore, you enjoy ‘electronic’ privileges

• Alerting service through SMS and e-mail regarding the cardholders’ transactions (registration through the Internet)
• Total protection for purchases through the Internet with free registration in the Emporiki Bank Secure service

The Emporiki Bank new line of credit cards ‘Health Benefit’ was developed in cooperation with Emporiki Life, a subsidiary of Emporiki Bank, and the Euromedica Group

Frequently Asked Questions

Transparency

Transparency means you pay what you owe and nothing more!

Emporiki Bank credit cards balances bear interest as of the date the statement is issued and not as of the date of the transaction.

This means that for any new purchase, Emporiki Bank offers you an additional * interest-free period up to 30 days (from the transaction date until the date the statement is issued).

* It is always valid for a minimum interest – free period of 24 days and the period of time from the statement’s date of issue until the date of its payment.

How to be a winner

Emporiki Bank offers you credit cards that simplify all your transactions and make your relations with your Bank even more friendly and efficient.

You can choose from the wide range of credit cards offered the one which best suits you and meets your requirements for purchases, travels, accommodation and other expenses, and get rid of the need to make cash withdrawals or carry cash with you.

Reward Program for Credit Cardholders

Earn:

• Interest rebate of up to 30% and
• Additional subscription-free Visa or MasterCard provided the main card is valid and there are no payment delays

INTEREST REBATE PROGRAM

Earn a rebate on interest paid of up to 30% in one of the most rewarding programs on the market.

The interest rebate is based on a reduction of the card’s contractual interest rate on the entire balanceof the card without any limit on the maximum sum returned.

The above is offered monthly throughout the duration of each calendar quarter in accordance with the volume of transactions of the card during each previous calendar quarter.

The offer applies for the following cards:

INTEREST REBATE PROGRAM
Card(for all “Health Benefit’ cards and other cards)	Volume of transactions per quarter	Interest rebate
VISA / VISA Electron/ younique	€1,500	30%
VISA Classic, MasterCard	€2,500	30%
VISA Gold	€5,000	30%
VISA / VISA Electron	€750	10%
VISA Classic, MasterCard	€1,200	10%
VISA Gold	€2,500	10%

Frequently asked questions

• How does the interest rate reward program work?
  This program is for the rebate of interest paid based on the volume of transactions on the card in the timeframe of a calendar quarter (three months). Both purchases and cash advance transactions are calculated. If at the end of each calendar quarter you have made transactions on your card which are greater than the particular card category (see tables above), then you will receive an interest rate rebate for the sum entitled. The same offer may apply to the following quarters according to the volume of card transactions.

• How is the transaction quarter defined?
  The definition of the quarter (i.e., consecutive three month period) is calendar-based and is the same for everyone. In other words, the interest rate reduction is defined in January, April, July and October each year, based on the volume of card transactions in the preceding quarter.

• Which transactions qualify? Are balance transfers included in the transaction volume?
  Purchases and cash advances carried out during the relevant time frames are eligible and are considered for the transaction category levels. Amounts added from balance transfers are not counted as transactions. If you have undertaken a balance transfer, only new activity will be considered as transactions during the relevant time frame.
• What about interest-free payment instalments?
  Purchases made with interest-free instalments are considered in the entire transaction amount on the date the transaction is made.
• How can I find out about my status in the program?
  On your monthly account statement. If the customer has reached the relevant transaction volume, s/he will get a notice regarding the reward received.
  
  Call us 24 hours/day, 7 days/ week at 801-11-11-247 or 210-6505000
• For further information:
  
  Come see us in person at any of the Emporiki Bank branches.
  
  Call us 24 hours a day, 7 days a week at 801-11-11-247 .

ANNUAL CARD FEE WAIVER PROGRAM

Earn the right to a lifetime annual card fee waiver based on the yearly volume of transactions on your card.

In addition,

For new customers, the card fee is waived for the entire first year.

FAQ

• How does the annual card fee waiver program work?
  If you are already a cardholder of one of the Emporiki Cards listed below, you are automatically entered into the fee waiver program based on the volume of transactions undertaken during the previous 12 month period .

Card (whether a “Health Benefit” card or not)	Transaction Volume / 12-month
VISA / VISA Electron	€ 6,000
VISA-Classic MΑSTERCARD ANT1-VISA	€ 10,000
VISA-Gold	€ 20,000

• How is the 12-month period defined?
  The 12-month period is individually tailored to each cardholder’s account and is defined from the date of the annual card fee renewal. For example, if the annual card fee appears on your statement of October 2009, the 12-month period is defined as the period from October 2008 to September 2009.
• What happens with same number cards?
  If the main card is entitled to free annual card fee according to the program, then the additional same number card will also enjoy the free annual card fee, so the customer is double-benefited since he/she does not have to pay an annual card fee for any of the cards. As far as the required annual volume is concerned transactions from both cards are accounted for.
• If the customer is late making one of the monthly payments, does he /she still get the privileges of the program?
  In case the account is in arrears on the date of the annual subscription renewal date, then the annual card fee amount is charged to his cards. If the customer shows up and complains about the annual card fee having first made the delayed payment, then the applicable charge reversal procedure may be followed. The reasoning for the reversal procedure may be worded as “based on the 12-month volume of transactions”.
• How can the customer be informed on his status on the program?
  Through the monthly account statement

New program for the transfer of credit card balances

Now you have the opportunity to consolidate all your credit card debt balances into one Emporiki Bank credit card, and have only one account, only one payment date, lower interest rates and a repayment plan that suits your needs.

Advantages of the new debt balance transfer program

• · Privileged floating interest rate at 6.9%, (plus contribution of Law 128/75, today at 0.60%)
• Better financial management and debt control.
  The customer consolidates the debt balances from all his credit cards into one Emporiki Bank card, and therefore has the opportunity for better management of his finances and greater control of his debt.
• Flexibility in the repaymentof the transferred balance according to the customer’s needs.

Frequently asked questions

• What happens with new credit card purchases and cash withdrawals?
  The balance of purchases and cash withdrawals continues to be charged with the conventional interest rate valid each time.

• When does the transferred amount start bearing interest?
  The transferred amount starts bearing interest from the date of the transfer.

• How can I apply?
  You can apply at any Emporiki Bank branch. Don’t forget to bring with you the required supporting documents.

• What supporting documents must I submit?
  Together with your application for the debt balance transfer program you must submit the following documents:
  • The last original monthly statement of the credit cards issued by another bank, for which you wish to transfer the balance (all pages of the statements must be submitted) and
  • A photocopy of both sides of your identity card (both sides).

• How can I find out if my balance transfer application has been accepted?
  • A relevant message will be included in the first account statement that will be issued after the transfer has been concluded.
  • By calling the Customer Service Center at 210.3743951 and 210.6505000.

• What happens with the previous balance transfer programs?
  Balance transfers that have been realized under the previous program (floating interest rate at 6.5%), have been transferred to the new program as of 22/03/2006 and customers enjoy the new privileged rate.

For Information about Credit Card charges click here