CardAvantaj Visa Gold

About CardAvantaj Visa Gold

• Forms required to issue a card

  You can apply WITHOUT INCOME DOCUMENTS, to obtain a credit limit if your recorded income is from wages reported to the National Fiscal Administration Agency (ANAF).

  After carrying out the necessary checks by the Bank in the ANAF database, and if the eligibility conditions are met, the card is handed to you on the spot in one of Credit Europe Bank's territorial units. See here the full list of branches. If the income registered by you is not reported to the National Fiscal Administration Agency (ANAF), it is necessary to present the following documents*:

  • Proof of income;
  • Statement of income from wages.

  *There may be situations in which, in order to grant the loan, it is necessary to present additional documents.

• Benefits

  The possibility to pay in installments with 0% interest for products purchased from the network of Credit Europe Bank partner stores, as follows:

  • Between 1 and 24 installments, in the network of partner stores;
  • Bonus for any type of transaction carried out in Romania or abroad, both commercial transaction and ATM cash withdrawal - 0.3% of the value of each transaction will be found in the bonus account;
  • Zero lei issuance fee (including for additional cards);
  • Grace period of up to 45 days in which no interest is charged for commercial transactions (including in the installment system);
  • The possibility of benefiting from an unlimited credit period provided that the monthly repayment of the minimum payment amount is made;
  • Dual functionality: in addition to accessing a credit limit granted by the bank, the cardholder can also dispose of the own funds available in the card account;
  • Services available to cardholders abroad: telephone assistance regarding the use of the card, replacement of a lost or stolen card, emergency insurance of a sum of money;
  • Ability to request up to 5 additional cards.
• VISA Gold privileges

  Now you can really relax before your flight in the lounges of Otopeni, Timisoara or Cluj airports. You have free access to the internet, fax, TV stations and international magazines, as well as a wide range of drinks and snacks.

  • Access to the lounges of any of the three airports a maximum of 3 times during a year, if you are a Visa Gold card holder Free access to the Business Class lounges is only available for cards that have registered transactions at the POS or online settled in the amount of at least 5000 lei in the last 30 days up to a maximum of 96 hours before entering the lounge.

                   The regulations for access to Henri Coanda International Airport are available here

                   The regulation for access to Timisoara airport is available here

                   The regulation for access to Cluj-Napoca airport is available here

  • Air Refund - Money refund service in case of flight postponement or cancellation offered to customers holding Visa Gold cards.
  • Bidroom – Access to one of the largest aggregators of hotel offers, built especially for customers with Visa Gold cards.
  • Luxury Hotels – The collection of Visa luxury hotels in one place, available to customers holding Visa Gold cards.
  • National and international offers - Significant discounts at luxury stores, museums, restaurants, hotel chains, both in the country and abroad.
  • Free access to the Internet, fax, TV stations and international magazines, as well as a wide range of drinks and snacks.
  • More details about the privileges of VISA GOLD card holders are available here.
• Free services
  • The possibility of replenishing the card account at Credit Europe Bank ATMs with the "cash in" function;
  • The possibility to change the PIN code for FREE at any ATM in the world that offers this function;
  • The possibility to change the PIN code for FREE at the POS in Credit Europe Bank territorial units or by calling the CEBLine service (directly from the menu);
  • The possibility of making a FREE balance inquiry at any ATM in the world that offers this function or by calling the CEBLine service (directly from the menu);
  • Obtaining FREE mini-statements from Credit Europe Bank ATMs; Communication of the minimum payment amount by sending a monthly SMS.
• Where can I make installment purchases?

  You can enjoy the advantages of shopping with payment in installments in the network of CardAvantaj partner stores. This way you can make transactions in stores from the most varied fields: fashion, travel agencies, insurance, furniture, beauty salons, electronics / household appliances / IT&C, decorations, health, supermarkets, gas stations, etc.

  • Check here the permanently updated list with the addresses of CardAvantaj partner stores; you can also find information about ongoing campaigns;
  • In addition to the advantage of shopping with payment in installments, you can now use your card issued by Credit Europe Bank to pay online. Internet transactions also provide great flexibility;
  • You can carry out transactions at any time, the products and services of merchants being just a click away without the need to go to the stores. In addition, you will also receive a bonus of 0.3% of the transaction value. Increased attention has been paid to the security of transactions, therefore all CardAvantaj partner and non-partner stores (if they offer this possibility) for Internet shopping are enrolled in the 3D Secure security system (MasterCard Secure Code and Verified by Visa).
• What is the bonus and how can it be used?

  You will receive a bonus of 0.3% of the value of commercial transactions made for the payment of goods and services both through POS terminals and in the virtual-internet environment and for cash withdrawals from ATMs, in Romania or abroad.

  • The bonus will be found on your card in the bonus account, separate from the credit limit. The bonus can then be used for a new transaction in any CardAvantaj partner store where a Credit Europe Bank POS device is installed. All you have to do is communicate that you want to make the payment from the bonus account;
  • Moreover, you will receive bonus even for the transactions made from the bonus account. In this way, for any type of transaction carried out in CardAvantaj partner stores, you will be rewarded by Credit Europe Bank for using CardAvantaj;
  • The bonus value is our gift for using CardAvantaj. The bonus cannot be withdrawn in cash from the ATM, nor can it be used to pay off the used credit; its value is highlighted in each account statement issued monthly.
  • The following are not considered commercial transactions: cash withdrawals made at the Bank's counters, loading money to an account, card, application, transferring money through and from an application or transactions on the Internet for the purpose of transferring money.
• When is it paid?
  • In order to make it easier for you to repay the amounts used (in case you do not want to fully repay the amount used during the grace period) Credit Europe Bank offers you the possibility to repay monthly only the minimum amount of 3% of the value of the transactions highlighted in the account statement issued at end of each month, plus 100% interest and related fees (if any);
  • With the issuance of the account statement, Credit Europe Bank sends you a free SMS with the minimum payment amount;
  • The credit limit granted on the card is of revolving type, the reimbursed amounts being found again on the card account.
• How to get a card issued by Credit Europe Bank?
  • Come to any Credit Europe Bank territorial unit.
  • Apply online "Here"
  • Call CEBLine: 0750.000.000 / 0724.100.000 (callable from any network) or 0801.000.000 (callable from the Telekom fixed network) and a Bank representative will be available to advise you on obtaining a card.
  • Details here on how you can apply through CEBLine for CardAvantaj.
• 3D SECURE

  Benefit from increased security for transactions carried out online through cards issued by Credit Europe Bank. Transactions made with CardAvantaj cards give you great flexibility and an increased security standard, provided by the implementation of the 3D Secure protocol. You can carry out commercial transactions at any time, the products and services of merchants being just a click away without the need to go to the store. In addition, you will also receive a bonus of 0.3% of the transaction value.

  • What does 3D Secure mean? 3D Secure is a security standard developed by Mastercard and VISA that gives you the opportunity to use an additional password only when paying online, to prevent fraud attempts. This password will be requested every time you want to make a transaction at virtual stores on the Internet, at merchants enrolled in the 3D Secure standard, by means of cards issued by Credit Europe Bank. In this way we respond to the requirements of developing a reliable payment method, eliminating the risk of fraud by copying the identification data of the payment instrument or the random generation of card numbers for the purpose of using them on the Internet. More than that, the cards issued by Credit Europe Bank are automatically activated for the Mastercard SecureCode/Verified by VISA service and are differentiated by an increased standard in terms of security, by the simple fact that authentication at the time of purchasing products or services on the Internet is done by means of a unique, dynamic password. You will receive this password via SMS whenever you want to make a transaction. For online shopping safety, try to purchase products from merchants enrolled in 3D Secure that display the MasterCard Secure Code and Verified by VISA logos
• Card activation for online transactions

  To eliminate any possibility of card fraud on the Internet, all cards issued by Credit Europe Bank are initially blocked for online transactions. To be able to make online payments, cardholders can activate this service by calling CEBLine at tel.: 0750.000.000 / 0724.100.000 (callable numbers from any network) or 0801.000.000 (callable number from the Telekom landline network) , activation is done directly from the phone menu, without talking to a representative of the Bank. The service is available 24/7, and phone calls have a normal rate.

  Details here on how you can activate your online payments through CEBLine.