Benefits

Idea::gold card, the credit card for passionate seekers of superlative services and experiences.

  • ZERO lei cash withdrawal fee from any ATM, until 30th of April 2017. Idea::Bank does not charge a fee for ATM usage for cash, but, exceptionally, banks that own ATMs abroad may charge extra fees that usually are displayed on the ATM screen and request client's consent.
  • ZERO annual management fee for the main/additional credit card in the first year
  • ZERO lei fee for initial issuance of main/additional shopping card
  • Preferential interest offer: only 25% 23% if you choose to collect your revenues in an Idea::Bank account
  • Maximum credit limit of up to 50,000 lei
  • Exclusive offers and discounts through the Mastercard Premium & Business loyalty program
  • Easy to obtain: you can apply without the hassle of going to the bank, just leave your contact data here and we will get back to you
  • You are always in control using Idea::Bank services: Idea::alerts and Idea::iBank
  • 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
  • See the complete list of Idea::Bank ATM network here

Features

Idea::gold card, the credit card that simply pampers you.

  • You can apply for this card if you are at least 18 and no more than 70 years of age upon the conclusion of the credit card contract
  • Issued under the MasterCard logo, the credit card can be used anywhere in the world for payments to merchants, online payments or cash withdrawals
  • Enjoy discounts at over 200 merchant partners through the MasterCard Premium programme
  • Grace period of up to 55 calendar days for online shopping or payments to merchants
  • Minimum amount to be reimbursed: 2% of the limit used + 100% interest and relevant fees
  • Idea::gold credit card allows you to be in full control over your operations by:
    • The monthly account statement sent by mail or e-mail
    • Idea::iBank internet banking services, available 24/24
  • 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/e-mail, a service which sends you a message for any online transaction in excess of 100 lei from your credit card
  • You can apply for up to 3 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 by:
    • Cash deposits in any unit in the bank’s network
    • Bank transfer
    • Transfer via Idea::iBank
    • Using ZebraPay terminals

Costs

Idea::gold credit card comes with zero initial issuance fees for the main/additional credit card.

  • Initial issuance fee for the main/additional credit card: 0 lei, until 30th of April 2017
  • Cash withdrawal fee, anywhere in the world: 0 lei, until 30th of April 2017
  • Annual management fee for the main/additional credit card: 0 lei, in the first year
  • Current fixed interest 20% per annum
  • Preferential interest offer: only 20% 18% if you choose to collect your revenues in an Idea::Bank account
  • The full list of standard fees is available in the Useful information subsection

Sample calculation:

For Idea::gold, the effective annual interest rate (APR) of 21.95%/year (or 19.58%/year if you choose to collect your revenues in an Idea::Bank account) is calculated for a period of 5 years, for a credit limit of 5,367 lei, with a fixed interest of 20%/year (or 18%/year if you choose to collect your revenues in an Idea::Bank account), 0 lei annual card management fee and 0 lei initial card issuance. APR was calculated considering that the entire credit limit is withdrawn in cash from the ATM in full, after the credit limit has been granted.

Note:

The offers ZERO fees for cash withdrawals from ATMs anywhere in the world, initial card issuance fee and card management fee in the first year are valid only for cards issued during 15 September 2016 – 30 April 2017.

Promotions

Good luck with your shopping!

At Carrefour if you use your Idea::Bank card from Mastercard you can win a Dacia Duster

Between 16th of September  - 30th of October 2017, pay your Carrefour purchases using your Idea::gold card from Mastercard, send an SMS with the transaction value to the dedicated number, 1740, or you can sign up the value on participare.mastercard.ro and you can win one of the campaign's prizes:

  • a Dacia Duster, the big prize
  • + 50 vouchers worth 100 Euros each

Rules and details of the campaign can be consulted at www.mastercard.ro.

 

Pay your DIGI bills using your card Mastercard from Idea::Bank and get discounts on the DIGI subscription

Starting August 1st, 2017 until October 31st, 2017, if you pay your DIGI bills using your Idea::gold card Mastercard you get the following benefits:

  • 10% discount on your bill on the first payment if you have not used the card for the last 12 months for online payment for DIGI invoice.
  • plus 10% of the first 3 automatic payments, if you additionally enable the recurring payment option.

Find more details about this campaign's rules - here

 

Mastercard full list of campaigns is available here.

Useful information

To make sure that you understand all details of Idea::gold credit card, please go through the details in the list of fees.

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: avispreferred.eu
  • 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

How to apply

It’s so easy to get an Idea::gold credit card!

  • Apply online: click the Apply now button and fill in theapplication form for the card
  • Send an SMS to 1710 with the word “gold card” and we will call you back
  • Visit one of our units and take your ID card with you

Apply for Gold credit card

We will get back to you in no time!