Each time you buy something, you receive back 2% of the amount spent as UniCredit points, within the limit of 200 lei per transactional cycle, which you can later on change into money on your card and use it for future transactions (1 point = 1 leu). Also, with just 180 points you can request the payment of your annual commission of 200 lei.
INSTALLMENTS ANYWHERE IN THE WORLD
You benefit from 0% INTERESTS for the reimbursement in up to 12 installments for transactions of at least 300 lei, made with UniCreditCard Principal, during the first 60 days after you received the card.
Set up the number of installments you want to reimburse by:
|Transaction value ( LEI or equivalent)
|No. of installments
Furthermore, you can choose at any time to reimburse transaction of at least 300 lei (individual or cumulative) made with UniCreditCard in up to 36 installments with fixed interests reduced to 16,99%/year.
Set up the number of installments you want to reimburse by:
Read here the Regulations of the promotion, available until 31.03.2020.
BANK TRANSFERS IN INSTALLMENTS
Access the amounts on your UniCreditCard easily, by transferring up to 40% of the credit limit for any current account in Romania, with a simple call to InfoCenter. You can reimburse the transferred amount:
You can read here the Regulations of the promotion, available until 31.03.2020.
*InfoCenter : 021 200 20 20 (call with normal fees in the landline network of Telekom Romania) or *2020 (call with normal fees in mobile networks Vodafone, Orange, Telekom Romania, RCS&RDS).
Equal Installments Payment Program
Premium Mastercard offers program
|FEE FOR ISSUANCE OF PAYMENT INSTRUMENTS|
|Main card||0 LEI|
|FEE FOR ADMINISTRATION OF PAYMENT INSTRUMENTS|
|Main card||200 LEI/year (payable starting with the first year)|
|Additional card||50 LEI/year|
|ATM usage fee in UniCredit Bank S.A. network, UniCredit Group network from abroad and Euronet network in Romania||2% of the transaction value|
|Fee for ATM usage of other banks network in Romania and from abroad||2% + 4 LEI|
|Fee for Quasi-cash /Unique transactions||0 LEI|
|Card replacement (lost, stolen, deteriorated, destroyed, demagnetized)||25 LEI|
|Cash back transaction at POS||1 LEU|
|Fee for balance inquiry (at any ATM)||0.9 LEI|
|Daily POS(or internet) utilization||16000 LEI / 4000 EUR|
|Daily ATM utilization||8000 LEI /2000 EUR|
|Daily POS(or internet) transactions||10|
|Insurance premium for the used credit||0,5% from the value of the principal used|
|Annual interest percentage applied to the amount used at retailers from the Credit Limit||24,99%|
|Annual interest percentage applied to the amount withdrawn at ATMs from the Credit Limit||26,99%|
|Penalty interest rate||27,99%|
|FUNCTIONALITIES WITHOUT ADDITIONAL COSTS:|
|Card delivery via Courier/ Mail|
|Utility payments via Customer Care Service|
|Mini activity report at ATMs in UniCredit Bank network|
|Monthly activity report|
|Card blocking/ unblocking (electronic, temporary)|
|PIN code setting/ changing/PIN code regeneration|
For a UniCredit Card Premium card with a limit of 5,367 lei, lending period of 3 years (36 months) and a fixed interest of 26,99% for ATM usage and 24,99% for amounts spent at retailers, the monthly amount to be paid is 458,75 lei, total payable amount is 7,892.04 lei, with DAE of 39,31%.
DAE is calculated according to active regulations and is comprised of the annual interest, the annual maintenance fee of 200 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% payments at retailers; credit line is withdrawn at approval date and is reimbursed within the 36 months.
The example is informative and within the credit line limit approved by the creditor and monthly reimbursements.
UniCredit Bank SA acts for UniCredit Consumer Financing IFN S.A. as an exclusive credit intermediary with an auxiliary title.
What is a Card?
It is a payment instrument with an attached credit limit, granted by the lender, which can be used for payments at any trader on “POS” devices, online payments, withdrawals from ATM, utility payments, etc.
I received the credit card. How can I use it/ activate it?
Go to any UniCredit Bank ATM and:
In case you have not provided us a mobile phone number in order to receive the SMS sent by UniCredit, or you do not have access to the received SMS, call InfoCenter and the activation of the card will be made by one of our operators.
How can I find out the amount I have to pay?
You can find all information related to expenses, payments performed and the available limit, as well as UniCredit points from the monthly activity report. The monthly account activity report also contains the minimum monthly amount to reimburse that you must pay until the maturity date, as well as the total amount that you can pay until the maturity date to benefit from the grace period.
You can see the monthly activity report in Online & Mobile Banking/Online Card and you can receive it via email according to your option stipulated in the Credit Card Application Form.
Also, you can contact us any time you wish at +4021 200 20 20 (normal call in the landline network Telekom Romania) or *2020 (normal call in the mobile networks as Vodafone, Orange, Telekom Romania, RDS), service available 24/7.
How much should I pay?
For your comfort, there are many possibilities to pay:
How can I pay for the card?
There are some means by which you can pay the credit card:
When do I have to reimburse the card?
You may choose the reimbursement date between the two dates available, that is the 5th and the 15th of the month when you apply for the credit card. If the date that you chose is a non-working day, the maturity date shall be considered as the following working day.
What can I do if my card is lost or stolen?
If your card is lost or stolen, please call immediately at our Info Center, at +4021 200 20 20 (normal call in the landline network Telekom Romania) or *2020 (normal call in the mobile networks as Vodafone, Orange, Telekom Romania, RDS). As soon as you reported the loss or the theft of the card, it shall be blocked so as to prevent its unauthorized use. Do not forget that most of the card unauthorized use attempts occur immediately after the card has been lost or stolen.
Can I get an additional credit card upon access to the limit on the credit card?
You can grant access to the card limit by means of an additional credit card. All you need to do is to fill in with the additional applicant an application form in the Branch, to establish the percentage from the credit limit to which the additional credit card shall have access and to provide a copy of the Identity Card pertaining to the additional applicant. All transactions from the additional credit card can be seen on the holder’s activity report.
Who shall be held responsible for the payments for the additional credit card?
Both the holder of the primary card as well as the holder of the additional card have access to the credit limit. Nevertheless, the activity report is sent to the primary holder and it is its responsibility to cover the amounts due.