Mastercard Gold Credit Card

Use the Smart Card for shopping and enjoy Smart Instalments without interest!

How can you benefit from shopping instalments?

1. You can choose no interest instalments in the shops bearing the logo “Mastercard – Instalments payment” when shopping, for minimum RON  200.
2. You can request by phone an installment plan or you can activate the automatic installments payment service without interest for purchases of minimum RON 200 made in the country or abroad (including on-line).

Choose what suits you – installments in the shop or installments by phone!

1. You can benefit of installments directly in the shop when making the payment, in the shops bearing the logo Mastercard – Instalments Payment without calling Clients Assistance Service

Depending on the merchant’s type, you can choose the desired number of no interest installments or cost activation installments plan from a pre-defined installments range, set up by the bank:

2.You can request the installment plan activation by calling the Clients Assistance Service at 021.304.81.00. There are two possibilities:

• Manual option through which you choose the purchase 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 instalments 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 instalments by calling the Clients Assistance Service are:

The activation cost of the Installments Plan is applied to the value of the initial transaction and is included in the monthly installment value, as follows:

You have, at any moment, the chance to cancel an installments plan; 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
• You should not have overdue payments on the request moment
• The credit card should not be blocked or closed on the request moment
• The activation request should NOT be made later than the issuance of the account statement following the one including the purchase
• The purchase should not be fully paid in on the request moment
• You should have cash available in the account, covering the value of 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 monthly consult the account statement 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 from both installments payment options (directly at the merchant or by calling at 021.304.81.00 – Clients Assistance Service).

You can have a Mastercard Gold credit card if:

• you are a Romanian citizen, residing in Romania and you have an income in Romania (or income from the activity carried out as a sailor and/ or from other hierarchical categories from the same type of activity),
• 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 and you have seniority at your current job of at least 3 months. Other categories of income are also accepted. To find out what the accepted income categories, approach a consultant in our branches.

You can have a Mastercard Gold credit card without meeting the above criteria if you establish a guarantee type collateral deposit.

Credit limits

• The minimal credit limit: RON 6,000 /RON 4,000 in case of credit cards secured by a collateral deposit;
• The maximal credit limit: RON 75,000 /RON 100,000 in case of credit cards secured by a collateral deposit.

For more information: Clients Assistance Service, available 24 hours a day, 7 days a week, telephone number +4021.304.81.00.

• Identity document,
• Credit card issuance application,
• NAFA accord,

NEW!!! For the MasterCard credit card secured by a collateral deposit you only need the identity document.

You can get more information on the credit card from the Bank by calling the Clients Assistance Service, available 24 hours a day, 7 days a week, telephone number +4 021.304.81.00.

Example of an estimated calculation, taking into account the full use of a credit limit of RON 6,000 and its reimbursement in 12 months:

*The interest and APRC are calculated according to CCB (IRCC) value published on March 29^th, 2024, which is quarterly changed. Values of the reference indices can be consulted on the Bank’s website.

You can notify the Insurer about the occurrence of an insured event at the telephone numbers or on e-mail:

• (+40) 21.211.06.50/57 (between 9.00h-17.30h, during working days)
• email: office@eximasig.ro; daune@eximasig.ro
• Insurer’s address: 33, Aviatorilor Boulevard, ground floor, District 1, Bucharest (between 9.00h-17.30h, during working days).

The Insurer’s notification is done immediately after the event occurred/you are aware of it, but not later than 48 hours since the event occurred/you are aware of it, if your health condition allows it. If you cannot notify the Insurer due to your medical condition, you have to announce us immediately when your medical condition allows it. The notification of the Insurer can also be made by your representative.

You have the obligation to present and to send the Insurer all the requested documents and information, which certify the occurrence of the insured event, as well as the information required for the assessment and payment of the insurance compensation and allowance.

• You can use the credit card to pay the purchases done at merchants or online, as well as at ATM to get cash.
• The minimum amount due monthly is 3% of the credit used (including monthly installments), plus commissions and interests, but not less than RON 20 and without exceeding the total amount due. The minimum amount due must be paid no later than the due date mentioned in the statement of account.
• In order to benefit from the grace period for purchases, you must pay at least the minimum amount due by the due date and you must pay the total amount due by the end of the month following that in which the respective purchases were made.
• The account statement 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 statement of account 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,
• bank 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 self-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 of your credit card FOR FREE by E-mail! You only have to request the option activation by calling to Clients Assistance Service – 021.304.81.00.

The credit card statement of account can be viewed on the Internet Banking Application.

You do not have Internet Banking? Pay us a visit at any bank’s branch and you can get it on the spot.

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 established by the organization and available for public consultation on the organization’s website: 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).

• free access, within the limit of 2 entrances/per year/airport, to the Mastercard Business Lounge from Henri Coanda airport in Bucharest, Traian Vuia in Timisoara, Sibiu airport, Avram Iancu airport in Cluj-Napoca and Vienna International Airports;
• easy access to the lounge, by simply presenting the GoldMastercard, accompanied by an identity card and boarding card;
• relaxing and comforting environment, snacks and soft drinks, equipment and internet access, smoking area;
• access to all Gold Mastercard cards that are valid, are not blocked, declared lost or stolen, or that cannot be used for payment transactions;
• access to all Gold Mastercard cards that are active, where an active card means a card with at least one POS or e-commerce transaction settled, in the last 30 days, until no more than 96 hours before entering the salon;
• for more information about the benefits of Mastercard Premium Business Lounge Access program, you can consult the rules and conditions right here.