Standard Mastercard Credit Card

Use the Smart Shopping Card and enjoy the Smart Installments without interest!

How can you benefit of installments when shopping?

1. 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:

 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:

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:

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).

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.

• 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.

Example of estimating calculation, considering the full use of a credit limit worth RON 5,367 and its repayment in 12 months:

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

• 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.

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).