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!

Business or holidays? Both. Win one of the 3 travel vouchers worth 5,000 lei with Idea::business card Mastercard.

Idea::business debit and credit cards will take you on vacation! You will choose your destination! Between June 19th and September 15th, 2017, all business cards from Idea::Bank will bring you chances to win one of the 3 travel vouchers worth 5,000 lei each. Perfect for your next vacation!

Just apply and get a Mastercard business card from Idea::Bank, and from there your chances grow with every use of it.

  • 2 x chance - if you applied and obtained the Mastercard card during the campaign period, and you made at least one cash withdrawal transaction or purchase until October 10th, 2017.
  • 1 x chance - every POS or online transaction with Idea :: business card during the campaign period gives you a chance to win.

More details and additional information about the "Travel with Idea:: business card" promotion can be found in the official campaign regulation available in the Useful for you section.


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!