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)
  • 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 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
  • issued under Mastercard logo, in RON - find all Mastercard campaigns here
  • 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


You choose the Idea::credit card that suits you:

Idea::credit card

Idea::credit card

Idea::credit card

Limită de credit Up to 40.000 lei
Dobândă curentă fixă 25% pe an 20% pe an
REDUCERE 2% discount din dobanda pentru virarea venitului intr-un cont deschis la Idea::Bank
Limita venituri lunare minim 1.250 lei minim 4.750 lei
Extra beneficii  


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.

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!