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

3D Secure enrollment

Online payments are safe with 3D Secure

3D Secure enrollment is very easy to do! You can find the steps below:

  • Go to the 3D Secure Activation link - here
  • Click Continue - you need your initial password (the first 2 digits of the CNP and the last 6 digits of your card)
  • Fill in the fields in the Authentication Preliminary Step and press the "Continue"
  • Fill in the data in the step Define the personal parameters for the "MasterCard® SecureCode ™" service and click the "Activate Now"


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 when shopping at Mega Image!

Between 15th of May and 30th of June 2018, if you pay your shopping from Mega Image using your Idea::business credit card Mastercard or Maestro, send an SMS with the transaction value to 3718 or sign it up at along with the unique code you will received in Mega Image, you can win one of the campaign's awards:

  • Grand prize: a BMW i3;
  • Daily: one shopping cart from any Mega Image and Shop & Go store worth 250 lei

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!