Standard Mastercard Credit Card
The Smart Shopping Card, your flexible partner that surprises you every time with new benefits.
Advantages
Choose Mastercard Standard card and you enjoy varied benefits
- The Smart Installments program at 0% interest rate and 0% activation fee for purchases* of at least RON 150**, up to 12 installments, at any merchant, in the country and abroad.
- Program of up to 12 instalments directly from POS, in the shops having the logo “Mastercard – Instalments payment”.
- No annual fee for life, if you use the card for purchases in the year before the fee posting, worth of at least RON 18,000.
- The most generous period of grace, of up to 61 days, when you do not pay interest for the shopping made (including for instalments).
- Free insurance for purchases made both online and in physical stores, within 30 days from the date of purchase of the product, details here
- Priceless Cities, a program full of surprising experiences in over 40 cities worldwide. By simply signing in and reserving on the platform.
- Free access to the statement of account by e-mail, on-line through Internet Banking/ Mobile Banking, in the branch or by postal services.
- SMS Alert service, through which you get information in real time, by phone, about the transactions performed and authorized (shopping and cash withdrawal).
- Your card is automatically enrolled in the Mastercard SecureCode™ service so that you can pay on-line in safe conditions.
- For an increased safety, download for free from Google Play or App Store the biometrical authentication application EximPay, through which you can authorize transactions performed on Internet.
- Various reimbursement methods, including the comfortable variant auto-debit option. You open a current account, fund it and the bank is automatically withdraws on the due date the minimum or total payment amount due, as you wish.
*transactions such as money transfers, money send transactions, top-up and to Cripto traders are excluded.
**promotional offer until March 31, 2024
If you do not have a smart shopping card, we wait for you in our branches to discover the additional advantages you get when buying it.
Smart installments
Use the Smart Shopping Card and enjoy the Smart Installments without interest!
How can you benefit of installments when shopping?
- You can benefit of installments directly in the shop when making the payment, in the shops bearing the logo Mastercard – Installments Payment without calling Clients Assistance Service. Depending on the merchant’s type, you can choose the desired number of installments without interest or activation cost for installments plan within a pre-defined installments interval, set up by the bank:
Category of merchant | Minimum | Maximum |
Supermarket/hypermarket | 3 | 6 |
Clothing/footwear/sportswear/accessories | 3 | 6 |
Hotel services | 3 | 6 |
Medical services | 3 | 6 |
Make-up products | 2 | 3 |
Medical optics | 2 | 3 |
Procurement of car and motor parts
and accessories |
3 | 6 |
Jewelry and watches | 3 | 6 |
Plane tickets/airlines/travel agencies | 3 | 6 |
Construction materials/bricolage/furniture | 6 | 12 |
Electronics and home appliances/IT products | 6 | 12 |
You can request the installment plans activation by calling the Clients Assistance Service at 021.304.81.00.
There are two possibilities:
- Manual option through which you choose the shopping which you want to repay in installments. You have to call each time the Clients Assistance Service at 021.304.81.00 after the shopping registration in the credit card account, so that the bank’s representative can activate the desired installments plan. By a single call you can activate several installment plans.
- Automatic option gives you the chance to activate, before making the shopping, the service through which for all the purchases of minimum RON 200 the Bank will apply the adequate Installments Plan. You can call any time the Clients Assistance Service at 021.304.81.00 to cancel this service.
The number of available installments by calling the Clients Assistance Service are:
Shopping value | Manual option | Automatic option |
Between RON 200 – RON 799 | 3 instalments | 3 instalments |
Between RON 800 – RON 1,999 | 3 or 6 instalments | 6 instalments |
Between RON 2.000 – RON 4,999 | 3 or 6 or 12 instalments | 12 instalments |
Over RON 5,000 | 3 or 6 or 12 or 24 instalments | 12 instalments |
The activation cost of the Installments Plan is applied at the value of the initial transaction and is included in the monthly installment value, as follows:
Installments plan | Manual option | Automatic option |
3/6/12 | 0% | 0% |
24 | 24% | Not applicable |
You can cancel an installments plan at any moment; the applied cost is of RON 20/cancelled plan.
Conditions for the manual activation of installments plan are:
- The purchase should be worth at least RON 200;
- Transactions such as money transfers, money send transactions, top-up and to Cripto traders are excluded.
- You should not have overdue payments at the moment of the request;
- The credit card should not be blocked or closed at the moment of the request;
- The activation request should NOT be made later than the issuance of the statement of account following the one including the purchase;
- The purchase should not be fully paid at the moment of the request;
- You should have cash available in the account, covering the value of the activation cost;
- Transactions such as money transfers, money send transactions, top-up and to Cripto traders are excluded.
The transaction value and the total value of the activation fee of the installments plan should not exceed the value of the granted credit limit.
What else you should know
- Installments payment does not apply to cash withdrawals, fund transfers and payments to Cripto traders.
- You can consult monthly the statement of account to see the value of the monthly installment, the minimal payment amount, which also includes the installment value, as well as the number of left installments to pay.
- The active installment plans can be cancelled anytime by a call to the Clients Assistance Service.
- A cancelled installments plan CANNOT be reactivated.
- If you chose automatic installments, you could NO longer request manually activated installment plans.
- You can benefit of both options of installments payment (directly at the merchant or by calling at 021.304.81.00 – Clients Assistance Service).
Eligibility
You can have a Mastercard credit card if:
- you are a Romanian citizen, with residence in Romania and with an income in Romania (or income from the activity as a sailor and/or other hierarchic categories of the same activity types),
- you are between 24 and 70 years old,
- your cumulated income is a multiple of RON 600, proportional to the number of family members, but not less than RON 3,000,
- you are an employee with a seniority in the current workplace of at least 3 months. Other categories of income are also accepted. To find out the accepted categories of income, approach a consultant in our branches.
NEW!!! You can have a Mastercard credit card without meeting the above criteria if it constitutes a collateral deposit guarantee.
What are the credit limits?
- Minimal credit limit: RON 800 / RON 4,000 in case of credit cards secured by collateral deposit;
- Maximal credit limit: RON 20,000 / RON 100,000 in case of credit cards secured by collateral deposit;
For more information: Clients Assistance Service, available 24 hours of 24, 7 days out of 7, at the telephone number +4021.304.81.00.
Documents
- Identity document
- Credit card issuance application
- NAFA accord
NEW!!! For the MasterCard credit card secured by a collateral deposit you need only the identity card.
You can get more information on the credit card from the Bank by calling the Clients Assistance Service, available 24 hours of 24, 7 days out of 7, at the telephone number +4 021.304.81.00.
Costs
Cost type | Standard Costs (RON) | ||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|
Provision (issuance) of the card, when activating the newly issued card | Principal: 0 | ||||||||||
Additional: 0 | |||||||||||
Annual administration fee, charged when activating the newly issued card and after every year | Main: 45 Annual zero fee for credit card purchases of minimum 18,000 Lei value performed in the previous 12 months before posting the fee. The cost reduction is applied starting the second year from issuing. |
||||||||||
Additional: 0 | |||||||||||
Interest rate for card transactions performed at merchants and related Card costs | 27.57% | ||||||||||
Interest rate for ATM/POS card cash withdrawal transactions | 30.57% | ||||||||||
Card blocking cost in case of loss/theft/fraud suspicion/temporarily | Principal: 0 | ||||||||||
Additional: 0 | |||||||||||
Re-issuance of lost/stolen card/ fraud suspicion/name change | Principal: 15 | ||||||||||
Additional: 15 | |||||||||||
Re-issuance of damaged card | Principal: 0 | ||||||||||
Additional: 0 | |||||||||||
Supply of monthly account statement/activation of view option of credit card account statement through Internet Banking application, on request | 0 | ||||||||||
Use of ATM Exim Banca Romaneasca to withdraw cash | 0 | ||||||||||
Use of ATM/POS from other banks to withdraw cash | National: 0 | ||||||||||
International: 0 | |||||||||||
Shopping with merchants: | National: 0 | ||||||||||
International: 0 | |||||||||||
Emergency card replacement: | National: 15 | ||||||||||
Card recovery | National: 15 | ||||||||||
International: 15-160 EUR, according to the price charged by the organization under whose logo the card is issued | |||||||||||
Unjustified payment refuse | 60 | ||||||||||
PIN change at ATM | 2.5 | ||||||||||
PIN re-issuance | 5 | ||||||||||
Balance inquiry at ATM/ATM of other bank | 1 | ||||||||||
Mini account statement at ATM | 1 | ||||||||||
Foreign currency exchange margin | 2% | ||||||||||
Penalty for the unauthorized exceeding of the Credit limit | 5% of the amount exceeding the limit | ||||||||||
Daily limits of national/international transactions | Cash withdrawal: 2500 | ||||||||||
Shopping with merchants: up to the cash available level | |||||||||||
Installment plan activation cost | Payments directly at POS or on internet: RON 0 By calling Customers Assistance service:
*Activation cost related to instalments plan is applied to the transaction value. |
||||||||||
Installment plan cancelation | 20 | ||||||||||
SMS Alert Service | 3 RON/month | ||||||||||
Cancellation of SMS Alert Service | 0 |
Example of estimating calculation, considering the full use of a credit limit worth RON 5,367 and its repayment in 12 months:
Transaction type | Variable interest* | Annual fee | APRC* | Total payment |
---|---|---|---|---|
Shopping | CCB (5.99%) + margin (21.58%) = 27.57% | RON 45 | 33.49% | RON 6,246.86 |
Cash withdrawals | CCB (5.99%) + margin (24.58%) = 30.57% | 37.46% | RON 6,341.62 |
* The interest and APRC are calculated according to CCB (IRCC) value published on june 28th, 2024, which changes quarterly. The values of reference indices can be consulted on the Bank’s website.
Assistance
Description | Call center | ATM Branch | |
Activation/cancellation of installment plans | * | ||
Activation/cancellation/change of SMS Alert service | * | * | |
Blockage and replacement of lost/stolen card or in case of fraud suspicion | * | ||
Damaged card replacement/name change | * | ||
Re-issuance PIN password | * | * | |
Change of PIN password | * | ||
Temporary card blockage/unblockage | * | ||
Card unblockage after wrong PIN password use | * | ||
Activation/deactivation of self-debit function | * | ||
Activation/deactivation of the possibility to conduct transactions on Internet | * | ||
Updating demographic data | * | ||
Change of trading limits | * | ||
Balance inquiry | * | * | |
Issuance mini account statement (minimal due amount) | * | ||
Information request on account posted transactions, authorized, unauthorized | * | ||
Information on card functionalities, card benefits | * | * | * |
How does it work?
- You can use the credit card to pay the purchases at merchants or online, as well as at ATM to get cash.
- The minimum amount due monthly is 3% of the used credit (including monthly installments), plus the updated fees and interests, but not less than RON 200 and without exceeding the total due amount. The minimal due amount has to be paid by the latest the due date specified in the account statement.
- In order to benefit from the grace period for purchases, you must pay at least the minimum amount due until the due date and you have to pay the total due amount until the end of the month following the one in which the purchases were made.
- The statement of account is delivered FOR FREE by e-mail, on-line through Internet Banking/ Mobile Banking, at the branch or by postal services.
- You can get from any bank’s ATM a mini account statement with the latest 10 transactions performed.
- You get a free SMS monthly with information regarding the minimal due amount and the due date.
How can you pay?
- cash deposits at any bank’s branch,
- banking transfer,
- using the Bank’s ATMs, by transfer from the debit card account into the MasterCard Standard card account,
- using the Internet Banking service, by electronic payment order,
- using the auto-debit service. Meaning, open a current account, feed it and the bank is automatically withdrawing on the due date the minimal or the total due amount, as you wish.
From now on, you can get the monthly statement of account related to your credit FOR FREE by E- mail! You only have to request the activation by calling to Clients Assistance Service – 021.304.81.00.
The credit card statement of account can be viewed through the Internet Banking application.
You do not have Internet Banking ? Pay us a visit in any branch of the bank and you can get it on the spot.
Exchange rates
At the time of performing the operations abroad, the currency exchange between the currency of the transaction and the reference currency of MasterCard International, is performed by MasterCard Int. at the rate unilaterally set by the organization and available for public consultation on the organization’s website, namely: http://www.mastercard.com/ro.
In order to debit the Account in RON, the Bank will use the exchange rate set by MasterCard available for public consultation on MasterCard’s website https://www.mastercard.us/en-us/consumers/get-support/convert-currency.html or on any website that will replace it.
We also inform you that in order to avoid the conversion fee retained by the accepting bank for cash withdrawal transactions or for traders, outside the country, you must select at the ATM or POS, when the conversion message appears, the local currency (and not RON).