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


Ran oz, Chairman of the Board, Cal – Israel Credit Cards Ltd.

Ran oz

Chairman of the Board

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

Levy Halevy



CAl Ltd. issues and clears credit cards from leading global brands: Visa, MasterCard and Diners Club (marketed exclusively by Cal) and provides non-bank credit to its customers. The company also clears the IsraCard brand. Cal employs about 1,500 employees in its Givatayim, Ashdod and Modi'in Illit offices, who provide financial solutions to about 3 million cardholders and tens of thousands of businesses. The company is owned by Israel Discount Bank (72%) and First International Bank of Israel (28%).

Israel Discount Bank – 72%,
The First International Bank of Israel – 28%

What’s Good for Me – Vision and Financial Solutions
Cal strives to responsibly and pleasurably realize its customers’ dreams, needs, and desires, anytime, anywhere. In accordance with this vision, the company offers a wide array of financial tools and non-bank credit products. From its customer-centric approach, Cal implemented a customer-oriented organizational infrastructure, which offers a combination between a value offering and an innovative digital platform.
What’s Good for Me – for private customers
Cal’s vision and customer-oriented approach led to the creation of a communication channel, under the slogan “Cal what’s good for me”, that enables personal access and interactions between the company and its customers. Accordingly, the company emphasizes the development of digital products that enable the customer to receive information and make transactions at any time and anywhere:
CAL4U Wallet App – enables a wide variety of actions, including viewing debits and transaction details, viewing the PIN code, blocking the card in case of loss or theft, taking a loan, ordering Cal benefits, chatting online with a service representative, etc.
Cal Chat-Bot – A virtual financial expert, which conducts conversations with the customer 24/7.
Immediate PIN code Viewing – Allows you to receive their PIN code immediately through their phone mobile device or the Cal’s website.
Fixed Monthly Debit – Allows you to set a monthly amount to be charged according to income and expected expenses.
A customized immediate loan – transmitted directly to the customer’s bank account.
CalChoice – a card that allows maximum flexibility in budget management, while being able to choose the amount of billing each month.

What’s Good for Me – Customer Benefits
As part of its customer-orientation business focus, and on the basis of the dream-fulfillment vision, Cal offers its customers benefits throughout the year:
The Experiences store – Cal’s advanced benefit website in diverse content worlds: attractions, kids shows, entertainment shows, spa, culinary and more.
Traveling Abroad Benefits Package – A variety of benefits from the trip planning stage to the return.
Digital Vouchers – Discount coupons purchased in the Cal4U digital wallet for use in a variety of networks in various fields.

What’s Good for Me – A variety of Loyalty Clubs
Cal is the leader in the field of customer clubs in Israel, including:
Shufelsal-Cal – Cal, and Shufersal joined together to establish a joint venture that provides a variety of benefits, a gift of joining and regular discounts on products in the Shufersal chain. Family365 – a joint club for Cal, ‘Club 365′ and ‘Yinot Bitan’, which provides benefits and refunds for every purchase on the corporate networks. Cal-H&O – a return of fixed and variable money and discounts in the H&O network. PowerCard – Benefits and refunds for any transaction made in a variety of leading networks in Israel. CalFixnet – Refunds of up to NIS 1,000 a year for online forex trading, overseas and in a variety of networks in Israel. Cal’s Miles & More – Automatic accumulation of miles in Lufthansa and its subsidiaries. You – Discounts in the chains: Mega, Dor Alon, Alonit and more.
In addition, Cal has additional clubs and cards that fit the customer’s lifestyle.
Diners Club – a Cal-exclusive brand that provides permanent benefits to the culture, leisure, cinematography, culinary and vacation realms, in addition to varying monthly sales in a variety of businesses, nationwide. FLY CARD – a joint card with El Al within the Diners Club brand – Every card purchase grants frequent flyer points at a valuable conversion rate and transforms shopping into flights. Diners Extra – refunds up to 1,000 NIS of bills and family expenses annually.

What’s Good for Me – Business Customers
Cal provides its business customers with a range of advanced and innovative credit and clearing solutions for the business:
Credit Solution for Businesses
• Online Loans – You can take online loans on the Cal Business Website or the Cal4Biz app, with an approval within 3 minutes.
• Online Credit – Allows you to pre-cash online with Cal Business or Cal4Biz
• Non-bank credit cards for businesses
• Discounting Credit Card Transactions – Improved cash flow by advancing credits on card slips.

Clearing Solutions for Businesses
• Clearing at the business – With an advanced terminal that supports EMV technology and enables safer transactions.
• Online clearing – Embedding a secure payment page on the business’s website.
• Smartphone/tablet clearing – Using the Cal-Pos app, credit cards may be accepted simply, safely and conveniently from your smartphone/tablet.
• Alipay Clearing – A clearing solution for businesses that serve Chinese tourists who make purchases in Israel through Alipay.
• Chat Service for Businesses

What’s Good for the Employees – Growing Together
Cal’s management sees its human capital as a precious asset and invests in hiring quality employees, who will partake in the company’s development and success. Many of the company’s executives began their career at Cal and grew with the company.

What’s Good for the Community – Corporate Responsibility
Cal is committed to contributing to the community while helping disadvantaged sectors in the Israeli society. The company stresses combining organizational resources with financial allocations for the community, with participation in social endeavors by employees and managers. Cal has been graded “Platinum” under the “Ma’ale” ratings for corporate responsibility. In accordance with the company’s vision, the company initiated “To Wish and to Dream is Cal” – the flagship program of social contribution, the goal of which is to fulfill the dreams and needs of “Yeladim BeSikui” voluntary association.
Cal Giving a Chance – A joint social venture with “Yeladim BeSikui”, where Cal customers benefit from discounts in a variety of businesses across Israel. Simultaneously, in every card transaction in a business that registered to this program, the business makes a donation to “Yeladim BeSikui”.
Synergy – A program that integrates senior executives from Cal as a voluntary member of Boards of Directors of social organizations, in cooperation with JDC Israel.
Shi’ur Aher (“A Different Lesson”) – Cal works through the Shi’ur Aher association to support equal opportunity in education. Cal’s employees teach financial-education classes in schools where underprivileged students study.
In addition, Cal has other social ventures that link the company’s business activities to the community.

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