What is eCREDIT - Smart shopping online

powered by Idea::Bank

eCREDIT Idea::Bank - Smart shopping online is an installments financing solution powered by Idea::Bank through which eMAG customers can get in less than 10 minutes online, without going to the bank, financing for their shopping.


This is a credit card for purchases with installments, that allows the payment of products and services purchased both online and offline or withdrawals from ATMs, but no money transfers can be made to other bank accounts from the credit card's account.


eCREDIT - Smart shopping online financing solution powered by Idea::Bank can be approved in just 10 minutes!


100% online

Place your order, identify yourself with video and sign electronically the contract.



All you need is your ID and a device with camera connected to the internet.



In 10 minutes you get the approval and the products from eMAG are sent to you.

Minimum eligibility conditions

Minimum eligibility conditions

  • Age: between 22 and 65 years
  • Income limit: minimum net income 1250 lei/monthly
  • Work experience: minimum 3 months at current job
  • No foreclosure loans or delays in repaying loans
  • Income registered in ANAF database (salaries and assimilated to salaries or pensions)
  • The value of eMAG shopping cart needs to be at least 200 lei

How to access eCREDIT - Smart shopping online

Online, easy, from the comfort of your home!

  1. Enter eMAG and add purchases to the cart.
  2. Select Payment method installments online eCREDIT Idea::Bank - Smart shopping online and place your order.
  3. Take a few simple steps from the comfort of your home: take a picture of your ID, identify yourself with video and selfie, answer a few simple questions and sign electronically the contract
  4. We check, approve the request in few minutes and pay the value of your order directly to eMAG.
  5. eMAG products will reach you as soon as possible.

BONUS, after purchasing products from eMAG

Benefits continue with Idea::Bank!

  • In addition, you receive Idea::smart shopping card with a credit limit that you can use in stores or online with ZERO interest anywhere in the world, through the installment program attached to the card.
  • You get access to the internet banking platform Idea::myBank, so you can easily see your monthly installments.

Installments program

  • between 2 and 12 rate for payments over 200 lei:
Amount No. installments
200 - 500 lei 2
500,01 - 1.000 lei 4
1000,01 lei - 2.000 lei 8
Peste 2.000 lei 12
  • minimum monthly payment 5% of the total payment, but not less than 50 lei (Complete list of rates and commissions for Idea::smart shopping card here)
  • up to 55 days grace period with ZERO interest
  • if you don't want to include certain transactions in the installment program, just  call * 4455, at any time after the transaction, and one of our consultants will help you.

Calculation example: For Idea::smart shopping card with a loan limit of 5,000 lei, with 40 lei analysis fee, you cand benefit of a minimum fixed interest of 11.9%/year (with a monthly decreasing installment from 461.08 lei up to 368.10 lei, the annual effective interest rate (A.E.I.) is 14.32% over a 12 months period and the total payment is 5,362.29 lei), up to a maximum fixed interest of 23,9%/year (with a monthly decreasing installment from 505.50 lei up to 330.11 lei, the annual effective interest rate (A.E.I.) is 28.74% over a 12 months period and the total payment is 5,687.29 lei) in the terms of reimbursing the insallemnts due date. In case of reimbursing only the minimum monthly payment at the due date, the interest is 27,9%. The values ​​were calculated on the assumption that the value of the financed shopping cart is used immediately and in full by debiting the credit card account immediately after granting and reimbursed in monthly installments. The calculation does not take into account the use of the credit limit in interest-free installments.

Installments payment

So easy to pay your monthly installments!

  • bank transfer or payment via internet banking Idea::myBank.
  • at SelfPay Payment Stations;
  • you may find more payment options here.


eCREDIT Idea::Bank - Smart shopping online financing solution is available for eMAG shopping carts, for all products sold and delivered by eMAG (with standard delivery) and also for the products available in the Marketplace.