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 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::credit 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.

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!