Cal – Israel Credit Cards Ltd.

Issue of Visa, Diners and MasterCard, Credit Cards, Clearing of Visa, MasterCard, Diners, and Isracard Credit Cards, Development of Non-Bank Credit Products


Founding Year 1979
Address 13 T'futzot Israel St., Givatayim 5358331 - View Map
Phone 03-5723572
Fax 03-5723723
Social Networks
Company Website


Esther Deutsch, Chairman, Cal – Israel Credit Cards Ltd.

Esther Deutsch


Levy Halevy, CEO, Cal – Israel Credit Cards Ltd.

Levy Halevy


Yacov Peled, Senior V.P Head of Credit Division, Cal – Israel Credit Cards Ltd.

Yacov Peled

Senior V.P Head of Credit Division

Assaf Zimmerman, Senior V.P Head of Credit Division, Cal – Israel Credit Cards Ltd.

Assaf Zimmerman

Senior V.P Head of Credit Division

Asaf Snear, Senior V.P Chief of Marketing Sales & Service Officer, Cal – Israel Credit Cards Ltd.

Asaf Snear

Senior V.P Chief of Marketing Sales & Service Officer

Irena Portnik, Senior V.P Technology & Operation CIO, Cal – Israel Credit Cards Ltd.

Irena Portnik

Senior V.P Technology & Operation CIO

About Cal – Israel Credit Cards Ltd.

Cal is the leading credit cards company in the payments and non-bank credit worlds, providing financial solutions to about 3.5 million cardholders and 100,000 businesses. Cal issues and clears the world-leading credit brands MasterCard and Visa, and is the exclusive representative of Diners Club in Israel. Cal prioritizes its customers, and works constantly to adapt to a dynamic and everchanging world, while encouraging technological innovation, developing non-bank credit programs and advanced financial products, and promoting strategic partnerships. The company works from its headquarters in Givatayim and several other sites. It is owned by the banks Discount (72%) and FIBI (28%).


Israel Discount Bank – 72%,

The First International Bank of Israel – 28%

Business Partnerships with Cal
As a competition-generating company in the payments and credit worlds, Cal leads in the long-term strategic cooperations with all of Israel’s banks and leading retail chains and commercial entities in the market. Cal leads the non-banks member clubs fields, and partners with the largest member clubs: Shufersal – Israel’s largest supermarkets chain; Family365 in cooperation with HaMashbir (365) and Bitan Wines; Fly Card (with El-Al); Cal H&O with H&O and Carter’s; and more. Cal cooperates with the various partners to upgrade the value offers in Israel and abroad, and expand the customer base through digital, innovative and fast recruitment processes in various channels. The member cards offer unique and exclusive benefits on card transactions in many content worlds, fixed and dynamic discounts and refunds for buying in the chains, that generate very high customer loyalty.

Payment Solutions with Cal
Cal invests heavily in developing innovative, smart and fast payment systems. The company works to offer its customers advanced, safe and convenient payment option through EMV and Contactless technology and mobile phone charges apps via CalPay and Apple Pay. Cal issues cards in accordance with the new payment model and based on the international security standard for smart and contactless payments, as part of the transition to a world of smart transactions.
Cal payments solutions, which are based on using its credit card, deliver cost-saving to the cardholders through unique benefits and value offers that are customized for them. Cal advanced benefits website offers customers exclusive discounts and sales in broad content worlds: attractions, cinema, entertainment shows, vacations, spa, culinary, tourism and more. Cal also offers consumers useful digital discount vouchers for fashion, cosmetics, leisure and food chains.

Digital with Cal
Adapting itself to the new financial world, Cal leads an ongoing process of digital transformation, with an emphasis on customer experience as part of making the services available for cardholders and business owners. Cal invests heavily in building its digital assets in order to enable maximal access to transactions and information on the website and app. The Cal app enables private customers to monitor their charges, watch transactions in real time, remain abreast of their credit line status, retrieve their PIN code, block their cards (in case of loss or theft), take loans, change invoicing dates, and more. The Cal4Biz app enables businesses which clear with Cal to monitor the business activities continuously, watch the coming invoice, find or cancel transactions, and more. Cal strives to develop the data realm as means to better understand its customers’ needs and wishes in using its products, among which are TraffiCal, enabling businesses to create a targeted online marketing campaign using smart data analyses and processing.
The company prioritized its customers, and provides them with a variety of communication channels for a professional quality response through phone, voice, business chat, social networks, frontal service, and is also the only company in the market that enables service through WhatsApp chats.

Credit with Cal
For Private Customers: Cal offers its customers (and customer of every Israeli bank) various loan channels, customized for any purpose, directly to their bank account. The company enables cardholders to control their card expenses and preset the monthly billing sum in accordance with the expected income and expenses, delivering maximal budget management flexibility to its customers.
For Business Customers: Cal offers businesses that clear through it with investments and working capital financing and state-guaranteed loans. The company offers unique solutions that simplify and streamline the cashflow management process, such as online preponing of credits, credit transaction factoring and more. Cal financial services enable businesses to manage their transaction and payments efficiently and optimally.

Clearing with Cal
The company offers advanced and secure clearing services in businesses and online. The company developed high-quality security mechanisms that guarantees increased revenues for businessowners in an accessible and secure manner. From the understanding that different businesses have different needs, Cal constantly works to expand its services so that they would provide added value for the clearing businesses. Cal has unique cooperations with the Chinese payment giants Alipay and WeChat, enabling Israeli businesses to receive payments through these payment apps.

Cal Invests in the Human Resource
Cal sees its human capital as a precious asset, and works hard to develop its human resource as an ultimate value, from the belief that organizational cohesion supports a company’s organizational and business growth, Cal invests in a variety of activities for employee welfare, communication and ongoing dialogue, development and training for all of the ranks, occupational diversity and creation of a professional development outlook. Many of the company’s managers started their professional career in it and grew in-house.

Cal’s Corporate Responsibility
Cal has a Platinum Ranking in the Ma’ala Corporate Responsibility ranking. The company is committed to community service and invests a lot of resources in social action for benefiting underprivileged populations in the Israeli society. Cal social responsibility is based on two principles: connection to the business core and allocation of financial resources alongside with human resources in the form of corporate volunteering. Cal leads numerous social projects that connect the company’s business operations with community service, while cooperating with many associations and social organizations.

Cal’s Environmental Responsibility
As an inseparable part of its corporate responsibility, Cal works to protect the environment and implement sustainability principles out of its core values of responsibility, fairness and transparency. Cal includes environmental considerations in its decision making process, and recognizes the importance of environmental management systems that support efficiency and resource saving.

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