UniCreditCard

Principal

Your trusted shopping partner.

 

Are you also looking for the best offers of the season? Have you started to work on your Christmas shopping list?

For those who know exactly what they want, but also for those who keep their options open, we have the solution for a successful shopping season: UniCreditCard from UniCredit Consumer Financing, a credit card with super-benefits.


 

OUR OFFER:

3-6 INTEREST FREE INSTALLMENTS,

in the first 6 months from the card delivery date, at any acquisition of minimum 300 lei**

ZERO ISSUING FEE,

vs. standard annual fee of for issuance of payment instruments

REFINANCING IN 2-12 INTEREST FREE INSTALLMENTS,

of any credit cards and overdrafts issued by other banks and financial institutions

The offer is available for UniCreditCard Principal credit cards acquired between November 9 – December 31, 2021. You may find more details in the Payment in Equal Instalments Program and Refinancing Offer Regulations.

*Except for the following countries: Iran, Cuba, Coreea de Nord, Sudan, Sudanul de Sud, Siria, Crimea/Sevastopol.

**You can choose the number of installments in which you will reimburse the payment according to their value: 

 

Number of installments Minimum value of transaction 
3 installments 300 Lei
3 or 4 installments 400 lei
3, 4 or 5 installments 500 lei
3, 4, 5 or 6 installments 600 lei

 

Setting the transaction in installments can be made according to the Payment in Equal Instalments Program Regulations.


 

OTHER DETAILS ABOUT THE CARD OFFER:

 

***available exclusively for payments at retailers or utilities invoices

****Details on www.unicredit.ro/shopsmart

Calculation example:

 

For UniCreditCard Principal with a limit of 5.367 lei, lending period of 3 years (36 months) and a fixed annual interest of 26,99% for ATM usage and 24,99% for transactions at retailers, the monthly amount due (considering equal monthly installments) is 313,71 lei, total payable amount is 7.630,18 lei, with EAR of 31,33%.

EAR is calculated according to legal regulations in force and is comprised of the fixed annual interest, the issuance commission and the annual administration commission of 39 lei, and the ATM (network of other banks in Romania and from abroad) usage fee of 2% + 4 lei. It is considered that the credit line is fully withdrawn, 40% cash at ATM and 60% transactions at retailers, upon approval date and no further transactions are made during the 36 months’ reimbursement period.

This product is offered by UniCredit Consumer Financing IFN SA through UniCredit Bank SA, credit intermediary with the exclusive auxiliary title of the credits offered by UniCredit Consumer Financing IFN SA. The decision for crediting belongs solely to UniCredit Consumer Financing IFN SA, the Creditor reserving the right to request, when the case, any documents necessary in the crediting analysis, according to its internal regulations and the legal effective settlements.

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