Idea::credit card is the shopping card you will want to always have in your wallet.

  • Easy to access and obtain: apply online just with your ID (if you have standard salary income)
  • Advantageous costs: annual interest 25%
  • You can get up to RON 40,000 credit limit
  • You are always in control using the Idea::Bank additional services: Idea::Alerts, Idea::iBank
  • The full list of Mastercard campaigns is available here
  • The full list of Idea::Bank ATM locations is available here


The Idea::credit card is truly different.

  • You can apply if you are at least 18 and no more than 70 years of age upon the conclusion of the credit card contract
  • 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: 2% of the limit used + 100% interest and relevant fees,
  • Idea::credit card offers you full control over your operations by:
    • The monthly account statement sent by mail or e-mail
    • The 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, a service which sends you a message for any online transaction in excess of RON 100 from your shopping 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 used from your shopping card by:
    • Cash deposits in any unit in the bank’s network
    • Bank transfer or payment via internet banking Idea::iBank
    • Using the SelfPay payment stations


Idea::credit card comes with many cost benefits.

  • Fixed interest: 25% per annum
  • Commission using card with merchants: 0 lei
  • The full list of standard fees is available in the Useful information subsection

Useful information

Go through the list of fees carefully.

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

How to apply

It is so easy to obtain an Idea::credit card!

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

Apply for Credit card

We will get back to you in no time!