• Use your contactless card and enjoy payments of up to 100 lei, for which you are not required to insert your PIN code. It’s fast because you only place your contactless card near the specialized terminal without having to hand it over to the cashier. The payment can be performed safely only when the amount of money is transmitted by the register to the POS terminal, and you place your contactless card at a 2-4 cm distance to the terminal, thus excluding the chance of accidental payments.
• Just by one visit to the bank, you receive a credit limit of 700 up to 35,000 lei, according to your income. You have access to 100% of this amount for shopping in stores or online and 40% of the amount when you withdraw money from ATMs or when you request bank transfers to any current account in Romania. The maximum daily transaction limit is 8,000 lei for transactions at retailers or online and 4,000 lei at the ATMs/bank transfers.
• The minimum reimbursement amount must be reimbursed on a monthly basis (not less than 25 lei), and it is composed of the following:
  • 4% of the amounts used in the transaction cycle (the period when you can make transactions), except for the amounts reimbursed in installments on interest;
  • 100% interest, commissions and insurance premiums (as the case may be);
  • 100% installments on interest;
  • 100% overdrafts;
• The grace period of maximum 50 days is only valid for payments at retailers and utility payments and you can benefit from it if you reimburse the entire minimum reimbursement amount until due date.
• The interest rates is fixed for the entire contractual period and it fluctuates according to the transaction type:  24,99% for transactions at retailers or online and 26,99% for ATM use.
• The card is valid for 36 months, with the possibility of automatic renewal. The contractual validity is of 3 (three) years, with the possibility of automatic renewal, according to the terms and conditions stipulated in the agreement.

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:

• Calling InfoCenter, to split the transactions in 2-12 installments without interests
• Answering the SMS you'll receive after every eligibile transaction with the value and currency of the transaction, for the established number of installments:
  

• Split the transaction directly at the POS devices, in stores flagged with the “Mastercard-Payment in Installments”, in 3, 6, 10, 12 installments without interests 

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:

• Calling InfoCenter, for the split of transactions in 3, 6, 12, 18, 24, 30 or 36 installments with interests
• Answering the SMS you'll receive with the value and currency of the transaction, for the established number of installments:

• Split the transaction directly at the POS devices, in stores flagged with the Mastercard-Payment in Installments, in 3, 6, 10, 12 installments with interests 

 

 

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:

• In up to 36 installments with fixed interests reduced to 16,99%/year;

• With ZERO FEES for intra or interbank transfers

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).

• You can opt for the automatic debit service for the Monthly Minimum Reimbursement Amount or the Total Amount if you have a current account open at UniCredit Bank. UniCredit Bank S.A. is the participant in the Deposit Guarantee Fund in the Banking System; the deposits are guaranteed, as the case may be, by the Fund within the legal limits and terms.
• You can access at any time the details about your credit card in our Mobile Banking app, that you can download from AppStore or Google Play and activate through a simple call to the InfoCenter. 
• You can choose the PIN code that you wish by a simple call to Info Center (Customer Care Service). 

• The SMS Alert service offers you the possibility to take control over your expenses because you will receive a SMS anytime you perform transactions.
• The 3D Secure service assures secure online payments as one of the leading safest online payment platforms. You are protected against unauthorized card payments through a free enrollment and use of a dynamic Password for e-payments. If you encounter any error or suspicious transaction, please report it urgently at our Info Center;
• You can opt for a life insurance which covers the unemployment risks, total invalidity, temporary work incapacity and death by any cause, except for exclusion express cases mentioned in the insurance agreement.

UniCredit points

• You receive 0.5% back in UniCredit points for each transaction performed at retailers, including for the payment of utility bills, maximum 100 lei/transactional cicle;
• If you activate your credit card within 60 days of card receipt and use it at retailers, you will receive a bonus of 30 UniCredit points;
• With a single call at out Info Center (“Customer Care Service”), you can transform a multiple of 10 points in lei so you can use the money for future transactions (1 point = 1 leu), but not more than 600 points/call;
• The points can also be used to pay the annual issuance / administration commission: 30 points for the payment of the annual commission of 39 lei.
• Details regarding the Loyalty Program available until 31.03.2020 can be found here.

Equal Installments Payment Program

• For purchases exceeding 300 lei, you can opt for the payment in equal installments with interest for a period of up to 36 months;
• You can benefit from the Equal Installments Payment Program at our partner retailers. Visit www.discountry.ro for more details;
• Discounts at partner retailers. Details on www.discountry.ro.

Calculation example:

For a UniCredit Card Principal 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 313,71 lei, total payable amount is 7.639,85 lei, with DAE of 31,41%.

DAE is calculated according to active regulations and is comprised of the 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)  use 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.

• you can apply online and we will contact you shortly
• you can call our Info Center (+4021 200 20 20),
• or you can visit one of our branches. It is the only trip you will make to our branch. In case the credit card request is approved, the card and the Approval Letter will be sent to the indicated address.

UniCredit Bank SA acts for UniCredit Consumer Financing IFN S.A. as an exclusive credit intermediary with an auxiliary title.

• Identity document (BL/CI);
• Documents that prove your income, or the Agreement for consulting the ANAF database (can be completed at any UniCredit Bank branch);
•  Credit application – including the agreement to consult the Bureau of Credit and Credit Risk Central.

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:

• introduce your new credit card
• use the security code you received from us via SMS
• introduce the PIN you wish to set
• reintroduce the PIN for confirmation

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:

• The minimum monthly amount to reimburse until the maturity date;
• The entire monthly amount until the maturity date; in this case, you can benefit from the grace period and you shall not be calculated the interest for the amounts used at traders and utility payments;
• Any amount between the minimum monthly amount to reimburse and the total monthly amount to pay.

How can I pay for the card?

There are some means by which you can pay the credit card:

• Automatic debit, if you hold a current account open at UniCredit Bank; you can decide for yourself the amount paid: the minimum monthly amount to reimburse or the total amount to pay;
• By Online Banking, if you possess this service and a current account at UniCredit Bank;
• Transfer from another bank;
• In cash at the cash counters or ATMs (BNA) UniCredit Bank or in PayPoint and SelfPay (ZebraPay) networks;
• If the amounts used equal 300 lei at a minimum, you can choose the payment in instalments with the interest lower than the card interest, on a period of up to 36 months. You can request for an instalment plan by contacting us at Info Center until the maturity date for the amounts used in the current transaction cycle.

When do I have to reimburse the card?

You may choose the reimbursement date between the two dates available, that is the 5^th and the 15^th 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 021 200 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.