Product changes during the commercial offer review process
Starting with 11.03.2022, during the process of reviewing the commercial offer of products and services, no new additional cards will issued. There will be available only renewals for the cards already issued.
You will always want it in your wallet wherever you are!
- installments with ZERO interest, ANYWHERE in the world, when you pay with the card at least 200 lei;
- simple, effortless, installments are set automatically
- ZERO commission for issueing and administration fee for first year
- ZERO commission for online payments or at merchants
- grace period with ZERO interest up to 55 days
- generous loan limit of up to 40,000 lei
- issued under Mastercard logo, in RON - find all Mastercard campaigns here
- you have total control over your transactions made with Idea::shopping card by:
- monthly statement sent by e-mail/mail
- free internet banking service myBank
- Idea::contact center * 4455 where you can receive emergency assistance
- activate additional service Alerts and receive a SMS with any transaction larger than 100 lei
- online shopping is always safe, the card is automatically enrolled in 3D Secure
- you can request the issuance of up to 3 additional credit cards attached to your account.
Everything is so simple with the installments program attached to your card:
The installments program has been active until 31.10.2023. Starting with 1st of November, the installments plan is no longer active, without affecting the transactions that were made before this date.
- between 2 and 12 rates for transactions over 200 lei, at any marchendar, in the store or online, anywhere in the world;
|200 - 500 lei||2|
|500,01 - 1.000 lei||4|
|1000,01 lei - 2.000 lei||8|
|Peste 2.000 lei||12|
- minimum payment 5% from of the total payment, but not less than 50 lei;
- up to 55 days grace period for online transactions or merchants with ZERO interest;
- you don't want to include certain transactions in the installments program? Simple! Just call *4455 at any time from the moment of the transaction, and one of our consultants will help you;
- simply refund the amounts used on your credit card in installments:
Shopping card it offers you many cost advantages.
- fixed interest rate: 19% per year STANDARD | 18% per year GOLD
- commission for card use: 0 lei
- full list of standard commissions is available in the Useful for you
Calculation example: For Shopping card with a loan limit of 5,367 lei, the interest is 17%/year in the case of the monthly income transfer into an Idea::Bank account. The annual effective interest rate (DAE) is 18.39% over a 1 year period and the total payment is 5.861,21 lei. Values were calculated on the assumption that the loan limit is fully utilized by payments lower than 200 lei, immediately after the grant, and repaid in equal monthly installments. The calculation does not refer to the use of loan limit with interest-free installments.
Calculation example: For Shopping card gold with a loan limit of 5,367 lei, the interest is 16%/year in the case of the monthly income transfer into an Idea::Bank account. The annual effective interest rate (DAE) is 17.23% over a 1 year period and the total payment is 5.832,14 lei. Values were calculated on the assumption that the loan limit is fully utilized by payments lower than 200 lei, immediately after the grant, and repaid in equal monthly installments. The calculation does not refer to the use of loan limit with interest-free installments.
Look carefully over the list of commissions.
- Salt Bank cards have trading limits depending on the type of operation for which you use them (POS payments, online payments or cash withdrawals). Check here the limits for Shopping card.
- To make sure you find all the necessary details about the Shopping card, please go through the details in the commission list.
- Please also refer to the "Golden Rules for Using the Card" guide (RO version only):