CardAvantaj MasterCard Gold PayPass

CardAvantaj MasterCard Gold PayPass is the credit card made for special clients, with high incomes, who want to benefit of a special status. More details on www.cardavantaj.ro

The generous credit limits, purchases with installment payment are only some of the advantages of the CardAvantaj MasterCard Gold PayPass credit card.

CardAvantaj Gold issued under the logo of MasterCard is the first credit card in lei with national and international usage which offers the advantage of shopping with payment in installments and bonus for each transaction.

Moreover, the card can be used as a regular credit card, at any ATM or shop within the country or abroad, wherever the MasterCard logo is displayed.

Benefits of CardAvantaj MasterCard Gold PayPass credit card

  • The possibility to pay in up to 24 installments for products purchased from Credit Europe Bank partner shops network.
  • Bonus for any type of transaction made in Romania or abroad, both commercial and cash widrawals from ATMs- 0.3% of the value of each transaction will be found in the bonus account.
  • Free access in the "Business Lounge Saloon" in the Cluj-Napoca International Airport.
  • 0 lei issuing fee (including for supplementary cards).
  • Grace period of up to 45 days when no interest is collected for commercial transactions (including in the installment system).
  • The possibility to benefit of an unlimited credit period with the condition to pay the minimum monthly reimbursement of 5% of the total amount used from the credit line.
  • Double functionality - credit/debit: besides access to a credit limit granted by the bank, the card holder has access to his own funds available on the card account.
  • The possibility to benefit of an unlimited credit period with the condition to pay the minimum monthly reimbursement of 5% of the total amount used from the credit line.
  • Double functionality - credit/debit: besides access to a credit limit granted by the bank, the card holder has access to his own funds available on the card account.
  • The possibility to choose the account statement issuing date ( 7,20 or the last day of the month)
  • Services available to card holders who are abroad: assistance by phone regarding the use of card, the replacement of lost or stolen card, emergency supply with an amount of money.
  • The possibility to request up to 5 supplementary cards. Give your beloved ones the perfect opportunity to discover the pleasure of shopping with installment payment and bonus for each transaction. You can apply for a supplementary card for your spouse, parents, children (minimum age 18 years) or any of your friends. The access to the credit line may be granted up to a percentage you chose.
  • Change PIN code at Credit Europe Bank ATMs.
  • Obtaining mini account statements from Credit Europe Bank ATMs.
  • Communicating the minimum amount due for payment by monthly SMS.

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Where can I buy with installments payment?

You can enjoy the advantages of installment payment in the network of Credit Europe Bank partner shops. Thus, you can make transactions in shops from different areas: fashion, tourism agencies, insurances, furniture, beauty saloons, electronics/ IT&C, decorations, health, supermarket, gas stations, etc.

You may consult the permanently updated list of Credit Europe Bank partner shops on www.cardavantaj.ro where you can also find information about all available cards and about the campaigns in progress.

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What is the bonus and how can it be used?

For each type of transaction made in Romania or abroad (transactions at merchants or cash withdrawals at ATM) you will receive a bonus of 0.3% from its value. The bonus will be found on your bonus accounts, separately from the credit limit.

The bonus can afterwards be used for a new transaction in any Credit Europe Bank partner shop. All you have to do is to say that you want to pay from the bonus account

Moreover, you will receive bonus, even for transactions made in the bonus account. In this way, you will be rewarded by Credit Europe Bank for using CardAvantaj

The value of the bonus is our gift for using CardAvantaj. The Bonus can not be withdrawn in cash from the ATM nor can it be used to pay for the used credit. Its value is shown in the account statement monthly issued.

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What is the interest paid for the used credit limit?

  • 0% interest for shopping with installment payment if you reimburse the total installment within the grace period of up to 45 days.
  • 0% interest for transactions made at any merchant from the country or abroad which displays MasterCard logo (outside of the installment system) if you reimburse the total used amount within the grace period.
  • 2, 33% interest/month for cash withdrawals from any ATM, interest calculated from the day of the transaction.
  • 2,33% interest/month for retail transactions in the installments system at partner merchants as well as at merchants outside the installment system, interest calculated after the end of the grace period.

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When do I have to pay?

To facilitate the reimbursement of used amounts (if you do not want to reimburse the total used amount within the grace period) Credit Europe Bank asks you to reimburse monthly only the minimum amount of 5% of the transaction's value stated in the account statement issued at the end of each month, including related commissions and interest (if it is the case).

The minimum reimbursement amount stated in the monthly account statement will be paid within 15 calendar days from its issuing.

With the issuing of the account statement, Credit Europe Bank sends you an SMS with the minimum amount to pay!

The credit limit granted on the card is revolving, the reimbursed amounts are found again on the card account starting with the second day so that it can be used again.

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