Choose Idea::platinum debit card and you get first class benefits.

  • A premium debit card providing non-stop access to your money, anywhere (in the country or abroad)
  • ZERO lei fees for cash withdrawal from any ATM in the world, if you transfer your salary or revenues of at least 4,000 lei/month in an Idea::Bank account or you use your card to pay at least 1,000 lei/218 euro per month to merchants or on the Internet. This offer will be valid until 31.12.2018 and shall apply for maximum 15 cash withdrawals/month.
  • Feel pampered with exclusive offers and discounts through the Mastercard Premium program
  • You have free access to the Mastercard Business Lounge in Henri Coanda and Vienna airports
  • It gives you access to 500 lounges around the world through the LoungeKey service, where you can enjoy free benefits such as relaxing atmosphere, smoking area, wi-fi access, a wide range of drinks and snacks (full list of lounges available here)
  • Save time using the contactless technology
  • Your online transactions are always secure thanks to the 3D secure service
  • Get free shopping protection and travel insurance against the following risks:
    • Late departure/involuntary denied boarding/lost connection flight
    • Delayed luggage
    • Hospitalization allowance
    • Travel accident
    • The complete insurance conditions and steps to follow in case of damage are available here
  • Get premium benefits when renting cars from top partners:
    • AVIS: free membership in AVIS Preferred Club, allowing you to upgrade your car at no cost and offering you up to 35% discount. To see the steps to be taken to become a member of the club, see the Useful information tab on this page
    • HERTZ: you get an upgraded car at no cost, renal discounts and free membership in the Hertz Gold Plus Rewards programme
  • The full list of Mastercard campaigns is available here.
  • The full list of Idea::Bank ATM locations is available here


Idea::platinum is the debit card that meets the demands of a dynamic lifestyle, where you are always on the move.

  • It is issued in lei or euro under the MasterCard logo and can be used anywhere in the world
  • A debit card that keeps up with you when you’re in a hurry because you can pay up to 100 lei (or equivalent in a different currency) very quickly, thanks to the contactless technology
  • You can use the debit card in many ways: shopping, payment of bills, money transfers, foreign currency exchange, checking the status of your account in the Internet Banking application, cash withdrawals
  • You can apply for up to 5 additional cards attached to your account
  • Your online shopping are always secure thanks to the 3D secure service
  • It gives you access to 500 lounges around the world through the LoungeKey service, where you can enjoy free benefits such as relaxing atmosphere, smoking area, wi-fi access, a wide range of drinks and snacks (full list of lounges available here). In addition, we recommend the “Key Lounge” application, which allows you to find the nearest Lounge when you travel. You can set your username and password to your application by filling in the registration form available here
  • The debit card allows you to be in full control over your operations by:
    • Monthly account statement
    • Idea::iBank internet banking platform available 24/24
  • You can inquire your account status any time:
    • By phone to Idea::contact center *4455, where you will also receive emergency assistance
    • By activating Idea::alerts via e-mail and/or SMS, a notification service which sends you a message for any transaction in excess of 100 lei (or EUR equivalent) from your card

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"


Idea::platinum card is truly a good deal

  • ATM cash withdrawal fee from any ATM in the world: 0 lei/euro. Details in the campaign rules that you can find in the Useful information subsection
  • Card issuance fee: 0 lei/Euro
  • Monthly management fee for the main debit card: 25 lei/6 Euro
  • The full list of standard fees is available in the Useful information subsection

The offer "ZERO LEI FEE FOR CASH WITHDRAWAL FROM ANYWHERE IN THE WORLD" is subject to terms and conditions and is valid until 31.12.2017. The rules and full list of fees are available in the Useful information subsection.

Useful information

Details of the “ZERO lei fees for cash withdrawal from anywhere in the world” offer

To make sure that you understand all details about Idea::platinum debit card, please read the rules of the "ZERO lei fees for cash withdrawal from anywhere in the world" and the fees list.

If you want to claim the AVIS car rental offer, take the following steps to join the Avis Preferred Club:

  • The (main/additional) card holder can register for Avis Preferred Club using the link:
  • Select “Leisure” in the “Account type” field
  • Insert the promotional code: Gold MasterCard
  • In the “Membership Level” field select Idea Bank
  • Complete the registration entering your card number and driver’s license


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::platinum 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 .


Mastercard full list of campaigns is available here.

How to apply

Here is how you can get the Idea::platinum card:

  • You can apply directly from this section, filling in the online debit card application form
  • You can send a text to 1710 (no overcharge) with the word “platinum" and we will call you back
  • Visit one of our branches and take your ID card with you

Apply for Platinum debit card

We will get back to you in no time!