Flexibility, fees, discounts, premium car rental, ZERO interest during the grace period!

An aid for the temporary needs of the company:

  • Flexibility: access to a bank loan at any time
  • Up to 55 days with 0% interest during the grace period, for payments to merchants or online.
  • 0% fee for card payments, including for online payments, charged by Idea::Bank
  • Discounts from merchants in the Mastercard Premium & Business programme
  • Premium benefits when renting cars from AVIS or Hertz


Idea::business credit is a credit line made to suit your business needs.

  • It is issued under the Mastercard logo. The shopping card can be used anywhere in the world for payments to merchants, online payments or cash withdrawals
  • The grace period is up to 55 calendar days for online shopping or payments to merchants
  • Minimum amount to be reimbursed: 5% of the limit used + 100% interest and relevant fees,
  • It offers you full control over your operations, thanks to the monthly statement of account sent via mail or e-mail,
  • You can inquire your account status:
    • By phone to Idea::Contact Center *4455, which can also provide emergency assistance
    • By activating Idea::alerts via SMS, a service which sends you a message for any online transaction
  • You can apply for an unlimited number of additional credit cards attached to your account
  • Your online shopping are always secure thanks to the 3D secure service
  • You can simply repay the amounts used from your shopping card by:
    • Cash deposits in any unit in the bank’s network
    • Bank transfer
    • Payment via Idea::iBank
  • See full list with Idea::Bank ATM locations here


Rates, interest and fees

  • Fixed current interest: 17% per annum
  • Monthly card management fee: 5 lei / card
  • The full list of fees is available below


Good luck with your shopping!

Win with your card Mastercard from Idea::Bank!

Between 15th of March and 30th of April 2018, if you pay your shopping from Carrefour using your Idea::business credit card Mastercard or Maestro, send an SMS with the transaction value to 3715 or sign it up at, you can win one of the campaign's awards:

  • a Smart Forfour electric drive;
  • one of the 10 vouchers worth 100 Euro each.

The rules and details of the campaign can be consulted on .


Full list of Mastercard campaigns is available here.

Useful information

You can choose the best way to apply for Idea::business credit.

Apply for Business credit card

We will get back to you in no time!