BUILDING YOUR eCARD
Design your eCard according to your needs and what you consider as important:

	If the interest rate you pay on your eCard is the most important to you then you can get a rate as low as 11,00% (APR 11,30%*) depending on your other options (see all rates that apply for each option).
	If the monthly instalment you will be paying on your eCard is your highest priority then you have the option to choose between 5%, 10%, 20% and 100% of the owed amount.

	A limit of up to three times your monthly salary with a maximum amount of EUR13.668,81/CYP8000.
	An eCard Gold with free travel insurance for limit amounts above EUR5.125,80/CYP3000, for only EUR35,00 per annum.
	Option for additional eCards, for payments through your card limit by other individuals you select.

CHANGING YOUR eCARD
Laiki eCard has been built around your needs and being as your lifestyle and priorities change you can also change your eCard features accordingly. Simply complete an application and the following month you can enjoy your new features.


USING YOUR eCARD

	Make the most of our amazing offers either through Laiki eBank eXtras or Laiki Card Offers Page, and make sure you visit our website often as these are updated regularly.
	With Laiki eBank Alerts you can receive customised messages on your mobile phone or email related to the use of your eCard. You can receive a message for every purchase you make with your card, for your card balance and much more.
	With Laiki eCard you do not have to worry when your card will be paid since your eCard will be paid automatically via a direct debit on your eChecking account (eChecking is a prerequisite). The instalment you have set will be paid automatically on the 20th of each month. Just make sure the amount owed (balance of the last day of the previous month) is deposited in your eChecking account.
	Managing your account is made easy through Laiki eBank Channels, as you can manage your account 24 hours a day anywhere you are. Laiki eCard enables you to avoid lengthy waits by post by checking your statement any time through all Laiki eBank Channels, whilst a printed statement will be sent to you at the end of each year for your own records.

ELIGIBILITY FOR eCARD

	Permanent residents of Cyprus with a Cyprus Identification card.
	Adults over 18 years old.
	For Laiki eCard Gold you must qualify for a credit limit facility of at least EUR5.125,80/CYP3000, as will be provided to you during your application.
	Laiki eChecking is a prerequisite to eCard but you can apply for a Laiki eChecking account with or without limit concurrently.

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INTEREST RATES
The interest rates that apply for each option are as follows:

	FULL REPAYMENT		20 % INSTALMENT		10% INSTALMENT		5% INSTALMENT
LAIKI eCARD	0%		11,00% APR 11,30%*		11,50% APR 11,83%*		12,00% APR 12,36%*

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FURTHER QUERIES

	eCard frequently asked questions.
	Submit your query.
	Call Laiki Telebank (8000 2000).

APPLY ONLINE  OR CALL 8000 2000