Mastercard Credit Card

This product is offered by TBI Credit IFN SA part of TBI Bank Group

Mastercard credit card

Mastercard credit card

The Credit Card may be your choice when you want flexibility in accessing credit. With the right credit card, you can control your finances, defer the cost of the goods you want to buy now, or earn rewards for day-to-day expenses. Generally, you will pay your interest rates unless you pay your credit each month or you have an interest-free offer.


Parameters


Currency
RON
Credit Card validity
3 Years
Interest rate for ATM withdrawals/payments
32%
Interest rate for POS payments
32%
Monthly maintenance fee of the Credit
5 RON
Credit Card’s issuance and PIN code generation
No fee
POS payments
RO: 0 RON; Abroad:1%
Cash withdrawal at the ATM/ bank counter
RO: 1% + 8 RON Abroad: 2%+10 RON

Multiple benefits just in time

0% fee for commission for purchases made in the country
0% interest during the grace period up to 50 days for card payments in the country and abroad

At the time of card request you can make your first card purchase* at partner stores and pay in fixed rates

Cash withdrawals from ATMs displaying the Mastercard logo, anytime, in the country and abroad

Shopping with a card worth more than RON 300 can be repaid in equal installments with a more advantageous interest

*The first purchase can be made without the use of a card, based on a debit order that is a credit line use operation and will be part of the Credit Card Agreement concluded between the Cardholder and TBI Credit IFN, through which the holder of the card requests TBI Credit IFN to debit the card account with the transaction value.
For more details click
here.


Details for the Program "You spend, but you also get!" Granted by TBI Credit IFN until 30.09.2018


Step 1

  • Buy in-store goods in fixed rates
  • With the Mastercard TBI credit card you can fund the goods you want to buy on the spot

Step 2

  • You will receive your card and PIN via the Post at the mailing address
  • To get the PIN code, send SMS to 3726 with the text mentioned in the welcome letter, using the mobile phone number you provided to TBI Credit

Eligibility conditions

  • Applicants' age: from 18 to 75 years (maximum applicant's age at the end of the credit agreement)
  • Minimum accepted income: minimum wage on economy / minimum accepted salary: 520 Lei.
  • Seniority at the current job: minimum 3 months uninterrupted

Accepted Income Categories

  • Earnings from salaries, including the value of meal tickets and food norms;
  • Income from pensions;
  • Income from independent activities / liberal professions
  • Rental income
  • Daily allowances for seafarers (sea or air)
  • Income from intellectual property rights
  • Income from management contracts.

Required documents**

  • Copy of ID;
  • ANAF agreement / last pension coupon in original;
  • Credit card request;
  • Agreement to process personal data.

**In special circumstances, TBI Credit reserves the right to request other documents than those specified above.

Representative example: for an acquisition with fixed interest rates from the Mastercard credit line offered by TBI Credit IFN SA, made based on a debit order, amounting to RON 5,000, repaid in 60 monthly installments, with an interest rate of 34 , 8%, analysis fee of RON 170 , the monthly rate of RON 182.82, the total payable amount of RON 10.969,41, DAE 43.50% for 5 years of credit contract. Monthly credit management fee: RON 5 / month. This offer applies if no other transaction is made until full credit is repaid and each monthly installment is fully paid by the cardholder.

Repayment Methods

TBI Credit offers you multiple possibilities of payment available for the loan installments!
For any of the methods of payment listed below it is necessary to have the following information: PIN (Personal Identification Number), the contract number and the amount to be paid.

1. By inter or intra bank transfer (with a minimum of 3 working days before the due date): convenient, safely and quickly. Use the electronic payment services (such as internet banking), or complete a payment order. 

The accounts available for bank transfers are the following ones:

TBI Bank EAD Sofia – Bucharest Branch: RO24TBIB9311001900005202
Raiffeisen Bank: RO72RZBR0000060016450006
Banca Transilvania: RO37BTRL0450160100703845
CEC Bank: RO60CECEB20044RON3223291
BCR: RO96RNCB0072049681080002

2. By cash withdrawal (with a minimum of 3 working days before the due date): simple and convenient. It is not necessary to have a current account, access to the internet or internet banking.

The accounts available for cash deposits are the following ones:

Raiffeisen Bank: RO62RZBR0000060003865697
CEC Bank: RO60CECEB20044RON3223291
TBI Bank EAD Sofia – Bucharest Branch: RO24TBIB9311001900005202
BCR: RO96RNCB0072049681080002

3. At PayPoint terminals which are present in almost any commercially significant point. The payment through PayPoint terminals will be made by scanning the barcode from a statement of account and by introducing the minimum amount due.

The nearest PayPoint partner offering the services you need is available here: https://ro-ro.paypoint.com/localizare-comerciant

4. At SelfPay terminals
The payment made through SelfPay terminals becomes more convenient, these being present in almost any commercially significant point.
The payment at any SelfPay terminal will be made by scanning the barcode from the payment document (e.g. contract or statement of account), or by entering the number of the Agreement, the PIN (Personal Identification Number) of the holder of the Agreement and the amount due.

SelfPay payment stations and the list of all services you can access are available here: https://selfpay.ro/localizare


For more informations please call us


Loss, theft or any incident related to the use of the card must be announced immediately at:

Serviciul Relatii Clienti (Serviciul Carduri)
+40 21 202 69 99

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Usage

It is an internationally valid card, available for 3 years

 


Date of issuance of the statement of account

4th of the month (The statement of account is issued for the period from 5 (five) of the previous month to 4 (four) of the current month inclusive)


Due date

21 days from the date of issue of the statement of account (25 of the month)


Grace period

Up to 50 days*

*No interest rate will be paid for payments made in the country or abroad, highlighted in the statement of account, if full reimbursement is made up to the due date of the statement.
 


The minimum payment amount is made up of:

  • 5% of the amount you used (including taxes and commissions) that you did not transfer to the installment
  • 5% of the monthly rates corresponding to the transactions repaid in installments 
  • Interest rate, including monthly interest rates (if applicable)
  • Amounts  from unauthorized overrun and / or penalties (if applicable)
The minimum payment amount is made up of:

Fixed rate transactions:

  • First purchase at the time of requesting the card, based on a debit order with a payment of up to 60 fixed rates
  • Goods purchased in amount more than RON 300 made with the card and repaid in up to 24 fixed rates with a more advantageous interest
  • The amounts used for transactions repaid in fixed rates will be withdrawn from the approved credit line
Fixed rate transactions: