DUN'S 100 - 2016

44 / 730

Financial Services
44
2016 | DUN’S 100 DUN’S 100 | 2016
DUN’S 100 | 2016 2016 | DUN’S 100
Services 20 2 Credit Cards
RANK
Cal – Israel Credit Cards Ltd.
Cal issues and clears leading global brand
credit cards: Visa, MasterCard and Diners
Club (marketed exclusively by Cal) and pro-
vides non-bankcredit to its customers. Since 2012,
the company also clears IsraCard. Cal employs over
1,500 employees in its Givatayim, Ashdod and
Modi’in Illit offices, who provide financial solutions
and professionally service over 2million cardhold-
ers and tens of thousands of businesses. The com-
pany is owned by Israel Discount Bank (72%) and
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 accord with this vision, the company
offers its customers a wide array of financial tools
and non-banking credit products. In line with this
approach that puts the customer at the center, Cal
implemented a customer-focused organizational
infrastructure, in order to provide comprehensive
services to all customer sectors. Cal’s vision and
customer oriented approach have created a new
communications language, under the slogan “Cal
what’s good for me”, enabling easy access and a
personal dialogue between the company and its
customers. Accordingly, the company developed
new credit products and services allowing each
customer to find the payment solutions best suited
to their needs:
CalChoice – A card that renders the customer
maximum flexibility regarding their budget man-
agement, while choosing, on a monthly basis, the
monthly amount paid each month.
Fixed Monthly Debit – Enables customers to set
a monthly amount to be charged, according to in-
come and expected expenses.
A personally suited immediate loan – A loan that
is transmitted directly to the customer’s bank ac-
count. The loan may be given in addition to, or as
a part of the customer’s existing credit line.
Wallet CAL4U application –The Product of the Year
in the Payment Means Category, for 2016 – the
application enables a wide variety of actions, ser-
vices and information, including viewing debit and
transaction details, taking a loan, payment and
benefits in various restaurants, money transfers
between Cal customers, fast and easy restoration
of the pin number, ordering Cal benefits, an online
chat with a Cal representative and more.
What’s Good for Me - Customer Benefits
As part of its business focus on customers, the
company offers its customers benefit plans:
1+1 free on leading attractions, nationwide
1+1 free on a variety of children’s shows,
nationwide
NIS 59 per ticket for Habima Theater’s wide rep-
ertoire of plays
Cal worldwide benefit package – from planning of
the trip and up to returning from it
10% discount on all products at
What’s Good for Me – Loyalty Clubs
Cal is the leading customer loyalty club company
in Israel, including:
365Family – a joint Cal, Club365 and Bitan Wines
food chain store club, which renders benefits and
refunds for every purchase at Bitan Wines and the
member companies in the 365 collaboration.
PowerCard – Renders benefits and refunds for ev-
ery purchase at Home Center, Beitili, Mega Sport,
April, Zer4U, Toys-R-Us, and other chain stores.
You – A joint club with Alon Group that provides
discounts and refunds at Mega, Alon Alonit chain
stores and more.
Cal-H&O – Fixed and seasonal discounts and re-
funds at the H&O chain.
Diners Club – Diners is a unique brand that pro-
vides its holders permanent benefits in the cul-
ture, leisure and vacation realms, in addition to
varying monthly sales in a variety of businesses,
nationwide. Diners Club customers enjoy 1+1 free
in a wide array of cinemas throughout the country,
every day of the week, reduced-cost entrance toVIP
lounges worldwide and more.
FLY CARD - The Diners Club credit card, El Al’s fre-
quent flyers club and in cooperationwith YOU – the
card that transforms your shopping into flights. Ev-
ery purchase with the card grants the customer with
frequent flyer points at a valuable conversion rate.
In addition to the conversion rate, card holders
enjoy El Al flight benefits, YOU consumer benefits
and Diners Club benefits.
What’s Good for Me – Business Customers
Cal provides its business customers with
comprehensive services including advanced in-
novative clearing solutions for businesses:
• Clearing at the business – With an advanced
terminus that supports EMV technology and en-
ables safer transactions, bymeans of the customer
typing their pin number.
• On line clearing – Assimilation of a secure pay-
ment page on the businesses website.
• Cell phone/tablet clearing – Using Cal-Pos appli-
cation credit cardsmay be used simply, safely and
conveniently fromyour cell phone/tablet, anytime,
anywhere.
Credit solution for businesses
• Loans and credit line -The business can advance
its credit online using the CAL4BIZ application or
at the Cal business website.
• Non-bank credit cards for businesses.
• Discounted Credit Card Transactions – Improved
cash flow by advancing credits on card slips.
What’s Good for the Employees - Growing
Together
Cal’s management sees its human capital as a
strategic asset and makes major investment 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
Cal is committed to contributing to the commu-
nity and stresses helping disadvantaged sectors.
The company stresses combining organizational
resources with financial allocations for the com-
munity, with participation in social endeavors by
employees andmanagers. In accord with the com-
pany’s business vision, which stresses fulfilling
dreams, the company initiated “To wish and to
dream is Cal” – the flagship programof social con-
tribution, the goal of which is to fulfill the dreams
and needs of “YeladimBeSikun” foundation’s chil-
dren, who live in boarding schools nationwide, part
of whom are without family support.
Esta b l i s h e d
1979
L i n e o f B u s i n ess
Issuing Visa, Diners and MasterCard
Credit Cards; Clearing Visa, MasterCard,
Diners and IsraCard Cards, and
Developing Non-Banking Credit Products
Ow n e r s h i p
Israel Discount Bank (72%)
First Intl. Bank of Israel (28%)
13 Tfutzot Israel St., Givatayim
Tel: 972-3-5723572
Fax: 972-3-5723723
Facebook: Cal.online
Twitter: Cal_online_il
Doron Sapir
CEO