Info

Product changes during the commercial offer review process

Starting with 11.03.2022, during the process of reviewing the commercial offer of products and services, no new additional cards will issued. There will be available only renewals for the cards already issued.

Benefits

You will always want it in your wallet wherever you are!

  • installments with ZERO interest, ANYWHERE in the world, when you pay with the card at least 200 lei;
  • simple, effortless, installments are set automatically
  • ZERO commission for issueing and administration fee for first year
  • ZERO commission for online payments or at merchants
  • grace period with ZERO interest up to 55 days
  • generous loan limit of up to 40,000 lei
  • apply online with Idea::WebCredit Card and you receive the card at home by courier, without going to the bank

Features

Idea::shopping card is simple to get and use.

  • apply only with your identity document (for incomes that are registered in ANAF database)
  • age: at least 18 years old and maximum 65 years (at the end of the credit card contract)
  • issued under Mastercard logo, in RON - find all Mastercard campaigns here
  • you have total control over your transactions made with Idea::shopping card by:
    • monthly statement sent by e-mail/mail
    • free internet banking service Idea::myBank
    • Idea::contact center * 4455 where you can receive emergency assistance
  • activate additional service Idea::alerts and receive a SMS with any transaction larger than 100 lei
  • online shopping is always safe, the card is automatically enrolled in 3D Secure
  • you can request the issuance of up to 3 additional credit cards attached to your account.

Installments program

Have we convinced you? Everything is so simple with the installments program attached to your card:

  • between 2 and 12 rates for transactions over 200 lei, at any marchendar, in the store or online, anywhere in the world;
Transaction amount Installments
200 - 500 lei 2
500,01 - 1.000 lei 4
1000,01 lei - 2.000 lei 8
Peste 2.000 lei 12
  • minimum payment 5% from of the total payment, but not less than 50 lei;
  • up to 55 days grace period for online transactions or merchants with ZERO interest;
  • you don't want to include certain transactions in the installments program? Simple! Just call *4455 at any time from the moment of the transaction, and one of our consultants will help you;
  • simply refund the amounts used on your credit card in installments:
    • bank transfer or payment via internet banking Idea::myBank;
    • SelfPay payment stations;
    • you may find more payment options here.

Costs

Idea::shopping card it offers you many cost advantages.

  • fixed interest rate: 19% per year STANDARD  |  18% per year GOLD
    • 2% discount in the interest if you transfer your income in an account opened at Idea::Bank
  • commission for card use: 0 lei
  • full list of standard commissions is available in the Useful for you

 

Calculation example: For Idea::shopping card with a loan limit of 5,367 lei, the interest is 17%/year in the case of the monthly income transfer into an Idea::Bank account. The annual effective interest rate (DAE) is 18.39% over a 1 year period and the total payment is 5.861,21 lei. Values ​​were calculated on the assumption that the loan limit is fully utilized by payments lower than 200 lei, immediately after the grant, and repaid in equal monthly installments. The calculation does not refer to the use of loan limit with interest-free installments.

Calculation example: For Idea::shopping card gold with a loan limit of 5,367 lei, the interest is 16%/year in the case of the monthly income transfer into an Idea::Bank account. The annual effective interest rate (DAE) is 17.23% over a 1 year period and the total payment is 5.832,14 lei. Values ​​were calculated on the assumption that the loan limit is fully utilized by payments lower than 200 lei, immediately after the grant, and repaid in equal monthly installments. The calculation does not refer to the use of loan limit with interest-free installments.

Useful information

Look carefully over the list of commissions.

  • Idea::Bank cards have trading limits depending on the type of operation for which you use them (POS payments, online payments or cash withdrawals). Check here the limits for Idea::shopping card.
  • To make sure you find all the necessary details about the Idea::shopping card, please go through the details in the commission list.
  • Please also refer to the "Golden Rules for Using the Card" guide (RO version only):

Reguli de aur pentru utilizarea cardului