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

  • Easy to access and obtain: apply online, without too many trips to the bank, all with just 1 document - your ID card (if you have standard salary income)
  • Advantageous costs: annual interest 25%
  • You can get up to RON 50,000 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
    • Payment via Idea::iBank
    • Using the SelfPay payment stations

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::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


Good luck with your shopping!

Win with your card Mastercard from Idea::Bank, it's normal to dream about a year of car rides!

Between 15th of August and 30th of September, 2018 pay at Petrom with Idea::credit card Mastercard, register the value of the transaction online at or sent it by SMS to 3725 and you can win one of the following prizes:

  • 10 fillings for 1 year
  • 100 fillings worth 300 lei

The rules and details of the campaign can be consulted on .

Mastercard full list of campaigns is available here.

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!