Credit Card

Characteristics:

RON credit card for individuals
Domestic and international use (the currency exchange is done automatically when paying abroad)
The credit limit is set by the bank for each user, between 700 and 20,000 lei
Minimum monthly repayment: 5% of used credit
Monthly spending limit: 100% of the credit limit for card payments at merchant locations, 40% for cash withdrawals
Daily transaction limit for cash: 3,000 Lei
No need for guarantors, insurance or any other kind of guarantee.
Flexible reimbursements:
- minimum 5% of the credit line used, plus any installment with low interest payment
- options for the generation of the statement: 7, 15 or 22 of the month
- multiple repayment methods: cash deposit or transfer into the special account for reimbursements or direct debit from any current account opened at Raiffeisen Bank.

Advantages:

You apply once and have access to the credit line for an unlimited period of time: the bank gives you a credit line to which you have access, from Romania or from abroad, by paying at merchants or by making ATM and bank counter withdrawals 24/7. You decide when to use the credit line, depending on your needs at that moment.
0% interest up to 56 days: for payments you make with your Raiffeisen Bank credit card you have a grace period of up to 50 56 days during which you pay no interest if the balances is reimbursed in full until the due date.
You have 0% transaction commission when paying with your card: if you pay with your card at merchant locations money will pass from your account to the merchant's account, without any overhead cost to you.
Multishop Program :
- Fixed annuities with 0% interest: available for any purchases made to the partners of Raiffeisen Bank (various fields: fashion, accessories, jewelry, travel, electronics, IT, etc.);
- Bonus for shopping: Guaranteed discounts through MultiShop Program at the partners of Raiffeisen Bank; Loyalty points awarded between 2-15% of the shopping value; Points represent money: 1 point = 1 Leu.
- Partners of Raiffeisen Bank: http://carddecredit.ro/multishop/parteneri/
Fixed annuities with low interest: Payment in installments with monthly fixed annuities (6, 12, 18, 24 or 36 annuities ) for shopping more than 300 lei.
Up to 4 supplementary cards attached to the credit account.
A unique package of protection services: Card Protection, Shopping Protection, Price Protection is automatically attached on any new credit card issued.
Protection of refunds (for death and Unemployment) – an optional insurance automatically attached to the card at the moment of issuing, with 3 months grace period for the payment of the insurance premium.
Complete package of travel insurance: Medical insurance coverage up to 20,000 Euro, which includes medical insurance (mandatory in some countries), Insurance for flight / luggage delay up to 500 Euro, Assistance services and travel insurance are available for an annual fee, 24 / 7 anywhere in the world, for you and your family members, if at least one payment related to the travel was made in Romania using the credit card, before the start of your trip.

Required documents (for employees):

ID, original and photocopy
Standard income statement on your own liability, signed and sealed by your employer
Fiscal statement

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