Stud-NetCredit card
Issued by Isracard
Issued by Isracard · Corporate club · early access

A credit card that leaves you
more money abroad and at home

0% FX fee twice a year, 0.95% the rest of the time, no card fee, a ₪100 welcome gift and an extra credit line on top of your bank's. Visa, Mastercard or American Express Gold (Platinum and Black Card also available, depending on spend). Open to everyone, nationwide.

Get the card now Issue code 19139
Online issuing in minutesNon-bank creditOpen to everyone, nationwide
0% FX · twice a year Stud-Net Visa card issued by Isracard Stud-Net Mastercard issued by Isracard American Express Gold card
0%FX fee, twice a year
0.95%FX fee the rest of the time, instead of 2.7%
0 ₪card fee, fully waived
100 ₪welcome gift after your first purchase
The cards

Three cards, the same terms, zero card fee

When applying you choose the card that suits you. All club benefits apply to all of them, and American Express adds the points program. Each card has a "Full details" button with all the terms.

Visa Stud-Net

Visa Stud-Net

  • Accepted almost everywhere in Israel and worldwide
  • 0% FX fee twice a year, 0.95% the rest of the time
  • An extra credit line on top of your bank's
  • All Corporate club benefits
Card fee0 ₪
Mastercard Stud-Net

Mastercard Stud-Net

  • Accepted almost everywhere in Israel and worldwide
  • 0% FX fee twice a year, 0.95% the rest of the time
  • An extra credit line on top of your bank's
  • All Corporate club benefits
Card fee0 ₪
American Express Gold

American Express Gold

(Platinum and Black Card are also available, depending on spend, also at ₪0)

  • Everything Visa and Mastercard have
  • Membership Rewards: points on every purchase, for flights, hotels, dining and shows
  • Bonus benefits: a benefit for every ₪3,000 of spend in the previous month, up to 4 a month
  • Great conversion rates to Express Fly and El Al points, discounts at KSP
Card fee, every tier0 ₪
American Express, without the membership fee

American Express tiers, and what you get with us

American Express in Israel comes in several tiers (Green, Gold, Platinum and Black Card), and all charge a monthly membership fee. Under the Corporate club of Stud-Net you get the Gold card with no card fee, as long as the card is in the club, and Platinum and Black Card are also available depending on spend, also with no card fee.

Entry tier

Green

18.90 ₪
per month, per the American Express tariff

Business Green card: American Express's entry card, with the Membership Rewards points program.

Mid tier

Gold

22.90 ₪
per month, per the American Express tariff

One Membership Rewards point per ₪60, double points on digital wallet payments (up to ₪10,000 per billing cycle), points valid for 3 years.

Premium tier

Platinum

$32.90
per month, per the American Express website

One point per ₪60, double points abroad and on digital wallet (up to ₪20,000 per billing cycle), points never expire, Priority Pass lounge access, a free supplementary card.

Top tier

Black Card

No published price
American Express's most prestigious tier

For cardholders with very high spend. Points never expire. Terms are set with American Express.

With usStud-Net · Corporate

Gold · Platinum
Black

0 ₪
No card fee in every tier, as long as the card is in the club

Exactly the same American Express card, with the same Membership Rewards program, plus the club benefits: 0% FX twice a year, 0.95% the rest of the time, ₪100 gift and an extra credit line. You start at Gold; Platinum and Black Card by spend, also at ₪0.

Membership fees of regular American Express cards per the American Express (Premium Express) tariff and the American Express Israel website, 2026; earning rates per the Membership Rewards terms. The binding figures are those on the American Express website. Issuing is subject to Isracard approval.

Why this card

Terms you don't usually see on a credit card

No "track" that runs out and no fine print that changes after a year. Benefits stay as long as the card is in the club.

New
0%

FX fee, twice a year

We arranged 0% FX transaction fee on purchases abroad and on foreign sites, twice a year for 30 days each time. Activate whenever it suits you: before a flight or before a big purchase on a foreign site.

0.95%

FX fee the rest of the time

In all currencies, instead of the usual 2.7%. Every purchase abroad or on a foreign site costs less, with nothing to do.

0 ₪

No card fee

Card fee fully waived as long as the card is in the club, until further notice. Not just the first year.

100 ₪

Welcome gift

A ₪100 digital voucher after your first purchase: coffee, fashion, sports, home and gifts. One voucher per ID number.

+

Extra credit line

Non-bank credit issued by Isracard, on top of the credit line you have at the bank. Subject to Isracard approval.

1+1

Everyday benefits

Vouchers, discounts at leading brands, 2-for-1 on culture and cashback, via the Isracard Corporate club and mycorporate.co.il.

For travelers and online shoppers

Abroad, the card pays for itself from the very first trip

  • 0% FX fee twice a year, 30 days each time, activate whenever it suits you
  • 0.95% the rest of the time, in all currencies
  • Travel insurance: up to 5 free days per trip, unlimited trips, up to age 85 (activate before each trip)
  • 25% off eSIM, discounts on vacation packages and 0.5% off buying currency
  • Deals on tens of thousands of attractions abroad via Isracard Fun
Example: three weeks in Thailand
Card spend during the trip: ₪60,000. You activate the 0% for 30 days before the flight.
Regular FX fee (2.7%)1,620 ₪
With 0.95% (nothing to activate)570 ₪
With 0% (the 30 activated days)0 ₪
Savings on one trip1,620 ₪
Illustrative calculation, based on the fee rates on this page and a trip of up to 30 days.
All benefits

What you get with the card, line by line

Benefits are provided via the Isracard Corporate club and mycorporate.co.il, and apply to every Stud-Net, whether Visa, Mastercard or American Express Gold.

Everyday benefits

Grocery chainsUp to 6.5% off at grocery chains, via discount vouchers.Ongoing, while stocks last
Leading brandsUp to 40% off leading brands on the club site.Varies by offer
Digital vouchers20% off vouchers at selected chains, including a ₪500 voucher for just ₪400.While stocks last
Culture and leisure2-for-1 on culture and leisure tickets nationwide.Varies by offer
CashbackCashback on purchases at Amazon, AliExpress, Booking and more, via TopCash (registration required).Ongoing
Corporate SUNdayEvery Sunday a new deal at a special price, for 24 hours.Changes weekly
Swish PlusA gift card for club members: fashion, home, restaurants, wineries, spa, fitness, culture, hospitality and online.Subject to Swish terms

Benefits for travelers

0% FX fee, twice a year0% FX transaction fee on purchases abroad and on foreign sites, twice a year for 30 days each time. Activate whenever it suits you.Per offer terms
FX fee0.95% in all currencies, instead of 2.7%.Per program terms
Travel insuranceUp to 5 free insurance days per trip, unlimited trips. Up to age 85. You must activate the insurance before each trip.Per offer terms
Insurance add-onsWhen buying insurance for up to 14 days: extreme sports, search and rescue, baggage, and free cover for a second child.Until 31.12.2026
eSIM25% off an eSIM at ESIMWOW.Per offer terms
Vacation packages$100 off per couple and 3% off at checkout, plus member packages at Arkia.Per offer terms
Buying currency0.5% off at checkout on FLY MONEY.Per offer terms
CASH4FUNA ₪500 voucher for vacations in Israel and abroad.Per offer terms
Isracard FunDeals on tens of thousands of attractions abroad.Per site terms

What you get with American Express Gold

Membership RewardsEarn points and redeem them for flights, hotels, dining and shows.Per program terms
Bonus benefitsA benefit for every ₪3,000 of spend card spend in the previous month, up to 4 benefits a month.Changes monthly
Express Fly250 MR points are worth $10 (instead of 390).Per program terms
El Al and partners11 MR points are worth 50 El Al points (instead of 29).Per program terms
KSPConvert points to discounts online and in stores.Per program terms

For cardholders opening an account at Bank HaBeinleumi (HighTech 10, per the bank's 02/2023 leaflet)

New salary accountA loan of up to ₪50,000 or a grant of up to ₪1,500. The loan is at prime + 4.9%, credited only if the bank's conditions are met.Subject to the bank
Checking accountExempt from transaction fees and the minimum fee.Subject to the bank
Checks and overdraft5 checkbooks a year; overdraft up to 3x salary or ₪150,000.Up to 10 years
FX at the bankNo exchange fee and a 0.5% better rate.Up to 10 years
Capital marketReduced fees, e.g. 0.18% in Tel Aviv and 0.22% abroad.Until 31.12.2026
Ahead of launch

This is just the beginning

The card is in early access today. Ahead of the official launch, quite a few companies no other Israeli credit card has will join its benefits, together with a dedicated benefits site by Stud-Net, on top of the club's existing benefits site.

Apply now and you get all the current benefits, and the new ones join the card you already have, without re-issuing.

Get it now

Four steps, a few minutes, no branch

You apply on the Isracard website. All you need is the link and the code.

Open Isracard's application link

Enter the issue code 19139

Choose Visa, Mastercard or American Express Gold (Platinum or Black Card also possible, depending on spend)

Get a ₪100 voucher after your first purchase

Get the card Issue code 19139
FAQ

What to know before you apply

Who can get the card?

The card is nationwide and open to anyone, anywhere in Israel. Issuing is subject to Isracard approval.

How do I activate the 0% FX fee?

The benefit is available twice a year, for 30 days each time, and you activate it whenever it suits you via Isracard. The rest of the time the fee is 0.95% in all currencies.

How much does the card cost?

No card fee: not on Visa, not on Mastercard and not on American Express, in every tier (Gold, Platinum and Black Card). Fully waived as long as the card is in the club, until further notice. Platinum and Black Card are granted by spend.

What's the difference between Visa, Mastercard and American Express Gold?

All three get the same club benefits and the same terms. American Express Gold adds the Membership Rewards points program and American Express bonus benefits, with Platinum and Black Card also available depending on spend; Visa and Mastercard are accepted at more businesses worldwide. Each card's full details are under the "Full details" button above.

Does the card use up my bank credit line?

No. The credit is non-bank, and the line is in addition to your bank's, subject to Isracard approval.

How do I get the welcome gift?

After your first purchase you get a ₪100 digital voucher on mycorporate.co.il. One voucher per ID number.

Who is behind the card?

The card is issued by Isracard under the Corporate club, branded Stud-Net. Benefits are provided by Isracard and its partners, and anyone can apply.

Ready? Applying takes a few minutes

One link, one code, and a card whose terms don't expire after a year.

Get the card now Issue code 19139