The Max Clal Pay Visa is one of Israel’s best no-fee credit cards – featuring Israel’s first-ever purchase protection as well as the ability to earn airline miles and rewards – for all Israelis. For Clal customers, it goes even further with 5% off many insurance plans and free gifts throughout the year.
The Max Clal Pay Visa credit card offers a rare mix of value, convenience, and first-in-Israel purchase protection. Whether you’re a Clal insurance customer or not, it may be one of the best no-fee cards available today.
Between insurance discounts and free gas gift cards, it will save me 879.90 NIS per year!
Max Clal Pay Visa Benefits for All Customers
No annual or monthly credit card fee
Most credit cards in Israel charge a monthly fee. Yes, you can call some issuers once a year and get them to reduce or eliminate the fee. But who really wants to do that? The Max Clal Pay Visa has no monthly or annual fee.
Purchase protection
A first in Israel, the Max Clal Pay Visa offers purchase protection (מגן רכישה). Items bought using the card will enjoy coverage against physical damage for up to 90 days after purchase – including items bought in Israel or abroad.
Keep your receipts as you will need to present a copy if you make a claim. If your item is damaged, they will refund your money – except for a deductible of the first 150 NIS in the case of most items, and 500 NIS in the case of a mobile phone. You are limited to 5,000 NIS in coverage per year. The coverage does not include loss or theft.
Like purchase protection insurance you might be familiar with from American credit cards, there are, of course, exclusions. Food, medicine, and cosmetics are excluded – as are pets and plants. Second hand items are not covered, and neither are items that are for commercial or professional purposes such as work tools. You can read the full details of the purchase protection coverage on the Max website.
Earn miles and rewards
Choose between two great options: the Rewards Track or the Airline Miles Track.
Rewards Track
With the Rewards Track (פינוקים / Pinukim), you’ll earn one reward for every 2,000 NIS you spend in a single billing month, up to four rewards per month when you spend 8,000 NIS or more.
Wondering what you can get? From 1+1 at the movies to discounts for restaurants and entertainment, you can explore the full Max rewards catalog.
Airline Miles Track (with Bonus Rewards!)
Prefer travel perks? Choose the Airline Miles Track and earn Max Points, which you can later convert into either United Airlines MileagePlus miles or El Al Matmid points.
Bonus: If you spend 8,000 NIS or more in a billing month while on the Airline Miles Track, you’ll get both: Max Points (convertible to airline miles), and four rewards from the regular rewards track!
Switch tracks anytime
Want to try something different? You can switch between the Rewards and Airline Miles Tracks anytime on the Max website.
1% foreign transaction fee
Many Israeli credit cards charge 3% when using your card with merchants abroad. The Max Clal Pay Visa charges a low 1% for foreign transactions.
16.5% discount at a number of merchants
If you use the associated prepaid card, you will receive an effective 16.5% discount at a number of merchants online and in-store.
Retailers who accept the card number in the dozens. They range from Fox to American Eagle, Shilav to Children’s Place, Home Center to Ace, ALM to Shekem Electric, and Steimatzky to Daka90. See Max for the full current list.
There is a lot of fine print and exclusions, so read it carefully before trying to use the related pre-paid card.
Other credit card benefits
You can receive a Priority Pass standard membership at no extra charge, which entitles you to enter affiliated airport lounges for $35 per person per visit.
You receive a 12% discount on Avis car rentals booked abroad through avis.co.il or *2272.
Interested in all the above benefits but want a Mastercard for the monthly Mastercard Day? You can also order the Mastercard version of the Max I Need It Card.
50 NIS Max gift card
New cardholders who make a purchase within the first 12 months will receive a 50 NIS Max gift card.
Max Clal Pay Visa Benefits for Clal Insurance Customers
For most Israelis, this is already a great credit card. If you’re a Clal insurance customer, things are about to get even better.
I happen to use Clal for my car insurance, and so I’ve seen these in action already.
5% discount on Clal car, travel, and home insurance
If a Max Clal Pay Visa is used to pay for certain Clal Insurance products, you will see a 5% credit on your credit card statement.
If you are using Clal insurance, this could mean tremendous savings. On my car insurance alone, a 5% discount means 279.90 NIS extra in my pocket.
Three Clal insurance products are eligible for the 5% discount
- Car – comprehensive or third-party
- Home insurance (not including mortgage structure insurance)
- Travel insurance
Monthly gifts for Clal car, travel, home, and health insurance customers
As of this writing, Max Clal Pay Visa cardholders will be offered gifts every month through the Clal website. Eligible insurance products are car, home, travel, and health. And the current gift offers let cardholders choose between…
- Car insurance – car wash at Washly, digital Paz gas gift card for 50 NIS, or 30 NIS for Yellow
- Travel insurance – meal at the airport McDonald’s, a Gett voucher, or an eSIM package
- Home insurance – a voucher for Wolt or Sano online
- Health insurance: a gift certificate to Noy Hasade or a shake at Rebar
As a Clal car insurance customer, I’ve already received two gifts. At 50 NIS per month worth of gas gift cards, this means potentially another 600 NIS per year in value!
Select the gift you want on the Clal website.
How to Apply for the Max Clal Pay Visa Credit Card
Apply directly via the Max website or by calling *5464.
Frequently Asked Questions
Yes, there is no monthly or annual fee – unlike many Israeli credit cards.
No. Anyone can apply, and enjoy the big benefits like no monthly or annual fee, purchase protection, earning miles and rewards, and discounts. Clal customers get extra perks like insurance discounts and monthly gifts.
Once you have the card, you can set it up so that your monthly credit card payments are automatically charged to your Mizrahi Tefahot checking account – or any other Israeli bank account.
Choose between the Airline Miles and Rewards (pinukim) tracks. Bigger spenders can even get both!
No annual or monthly fee, purchase protection, the ability to earn miles and rewards, and a low 1% foreign transaction fee make the Max Clal Visa one of the best credit cards in Israel. If you’re also a Clal Insurance customer, the 5% discount on premiums and free make this one of the most benefit-packed cards available in Israel.
You don’t need to register separately. Once your Clal Insurance payments are charged to the Max Clal Pay Visa, the 5% discount is applied automatically.
This Isn’t Just About a Card. It’s About Your Whole Wallet.
If reviewing a credit card can save you hundreds, imagine what a full look at your finances could do. I help real people get clarity, cut waste, and feel more in control – one step at a time.
Just honest advice, built around your real life.
👉 Curious what that might look like for you? Book a time or drop me a line and together we’ll make sure your money is doing its part to build the life you want.
Do you need to register anything to get the 5% discount on clal insurance or will it automatically be applied when there’s a monthly payment from clal insurance if I change my insurance tashlumim to the card?
Hi Moshe, great question! You don’t need to register separately. Once your Clal Insurance payments are charged to the Max Clal Pay Visa, the 5% discount is automatically applied – that’s how it worked for me personally.
If you’ve already switched your payments, you should see it kick in automatically on your credit card statement.
can I get the credit card through mizrahi tefahot so it’s paid automatically or can that be set up even if I don’t apply through the bank?
You apply through Max. The credit card’s monthly payment can be paid via your checking / current account at Mizrahi Tefahot or any other Israeli bank.