Individuals
- Cards and accounts
  - Înapoi
  - Daily banking
    - Current account packages
    - Current account
  - Cards
  - Transfers
  - Other services
- Loans
  - Înapoi
  - Personal loans
  - Housing loans
  - Youth loans
    - Loan for studies
    - Credit 10
  - Other loans and services
- Saving and investment
  - Înapoi
  - Savings accounts
  - Deposits
    - Progresso deposit
    - Term deposit
  - Investments
  - Insurances and savings
    - Spend & Save
    - Retirement plans
- Online banking
  - Înapoi
  - YOU
    - YOU
    - Guides YOU
  - SMS banking
    - The remote banking service provides you with information on your bank accounts directly from your mobile phone.
      Find out more »
Companies
- Small entrepreneur
  - Înapoi
  - Daily banking
  - Financing
  - Saving and investments
  - Other services
    - Insurances
    - Electronic signature
- SME^{< 1M Euro}
  - Înapoi
  - Current activity
  - Financing
  - Saving and investments
  - Other services
- SME^{1-50M Euro}
  - Înapoi
  - Cash management
  - Financing
  - Saving and investments
  - International
  - Offers
    - Non-banking benefits^NEW
- Agriculture
  - Înapoi
  - PFA
  - SME^{< 1M Euro}
  - SME^{1-50M Euro}
- Corporate
Financial markets
- Currency and monetary market
  - Înapoi
  - Saving and investments
  - Currency market
  - Online trading
    - Anyma Online Trading
  - Other services
    - Risk mangement solutions
  - Regulatory information
    - PRIIPs
    - EMIR
    - MiFID
- Capital markets
  - Înapoi
  - Brokerage
  - Our team
    - Presentation and contact
  - Regulatory information
  - Other information
    - Rates and fees
    - Useful links
- Research Reports
- Custody, storage, issuers
  - Înapoi
  - Depository services
    - Safekeeping, registering, monitoring and controlling the applications for subscription or redemption of fund units.
      Find out more »
  - Issuer services
    - Distribution of fund units, dividends and bond payments. Group distribution services within public offerings.
      Find out more »
  - Global and local custody services
    - Administration availability of customer accounts to their instructions - financial instruments operations or cash.
      Find out more »
  - Clearing services
    - Clearing services for transactions made on Bucharest Stock Exchange, Bucharest Clearing House and SIBEX.
      Find out more »
  - Contact
    - Contact details
About BRD
- Newsroom
  - Înapoi
  - News
    - News and related materials of our current activity: from business press releases to cultural, educational, sport or technological projects
      Find out more »
  - Scene 9
    - is an online cultural publication that shapes the portrait of the new generation of creators
      Find out more »
  - Scoala 9
    - is an editorial project dedicated to the pre-university education created by DoR and BRD
      Find out more »
  - Contacts
    - Find here our mass media contacts
      Find out more »
- Subsidiaries and associated entities
  - Înapoi
  - About BRD
  - Subsidiaries and associated entities
  - Contact
  - Other info
    - SFDR
    - Sustainable sourcing charter
- CSR
  - Înapoi
  - Culture
    - We invest in culture because we need leaders and projects to remind us where we come from, who we are and where we are heading to.
      Find out more »
  - Education
    - We strongly believe that the main driver for a higher performance of the education system is the quality of teachers. That’s why our majors programs are focussing on developping teachers’ skills.
      Find out more »
  - Sports
    - We love sports because they provide us with an exciting journey with some beautiful moments, heroes who win, attract new fans or, on the contrary, struggle with difficult moments.
      Find out more »
  - Environment
    - Economic development is no longer possible without environmental and social progress. It is our responsibility to propose business models that encourage the positive transformation of the world.
      Find out more »
  - The Civil Society
    - Community involvement is designed to build sustainable intervention mechanisms so that children and young people in difficult situations can develop their skills
      Find out more »
  - Lumea 9
    - We develop and finance projects, companies and businesses for today’s and tomorrow’s world. For a brave world, that places at its core the care for the planet and the people.
      Find out more »
- Investors and shareholders
  - Înapoi
  - GSM BRD
  - Financial Information
  - Corporate Guvernance
  - BRD Shares
  - Contact
    - Investors and Shareholders contact
- Careers
  - Înapoi
  - Discover
    - Our Culture
  - Learn
    - Business Lines
  - Develop yourself
  - Apply
    - Opportunities
Online Banking
- YOU^NEW
- MyBRD Net

ROMÂNĂ / ENGLISH

Card de credit IMM<1M EN Credit card

Financing
Business credit Card

You have access any time to a source of funds made available by the bank

Choose the BRD Business credit Card for the progress of your business!

BRD BUSINESS CREDIT CARD brings you a wide range of banking and extra-banking benefits.

Flexibility

you have access any time to a source of funds made available by the bank

0 interest

during the grace period for payments to the merchants

No more cash

down payments to employees

Control

over the performed transactions

0 interest

for card payments

Flexibility

you have access any time to a source of funds made available by the bank

0 interest

during the grace period for payments to the merchants

No more cash

down payments to employees

Control

over the performed transactions

0 interest

for card payments

How it works?

The BRD Business credit Card is the ideal solution for your business when you don’t want to use your own equity to cover the current needs of the company (consumables, furniture etc.). It gives you access to a line of credit without interest in the grace period for payments made by card directly to the merchants

What operations can be made with this type of card?

Payment at the merchants (with no interest) including online

Payment of utility bills;

Cash withdrawal at any cash dispenser;

Consulting the account balance;

Consulting the latest 10 card operations;

Changing the PIN at any ATM.

What are the main characteristics of the product?

Embossed card issued under the MasterCard logo;

Use area: national and international;

Validity: 2 years with possibility of renewal;

VAvailable balance: credit limit granted by the bank;

Grace period: up to 46 days ;

Minimum amount to be repaid on a monthly basis: 10% of all the performed transactions

Utilization limits:

The bank may establish daily utilization limits for card operations.

But you can change the standard utilization limits through a written request, filed in any BRD agency. This way, you can control much easily the card operations made by your employees.

Standard use limits for Business Cards

Extra-benefits

BRD Business credit card extra-benefits:

Free services of travel insurance abroad;
Possibility to recover the VAT paid cross-border;
Access to Premium & Business MasterCard Program.

Acces Lounge

Access with your BRD Mastercard Platinum card

- From 1 May 2023, you will benefit from unlimited and free admission per year to the Tarom North and Satellite Lounges at Henri Coandă Bucharest International Airport and Vienna Lounge and Sky Lounge at Vienna International Airport simply by presenting your bank card, provided you have made at least one POS or e-commerce transaction settled in the last 30 days, but no later than 96 hours before entering the Business Lounge.

In addition you have 8 entries per year at each airport for your guests at no cost.

- From 2 July 2023 you will benefit from unlimited and free admission per year to the lounges of Traian Vuia Airport in Timisoara and Sibiu International Airport by simply presenting your bank card, provided that you have made at least one POS or e-commerce transaction settled in the last 30 days, but no later than 96 hours prior to entering the Business Lounge.

In addition you have 8 entries per year at each airport for your guests at no cost.

Until 01 July 2023 you continue to enjoy free and unlimited access to the airport lounges in Timisoara and Sibiu.

You will still benefit from free and unlimited access to the airport lounge in Avram Iancu Cluj by simply presenting your bank card.

Access is allowed only for valid cards (the card is not blocked, lost or stolen and can be used for payment transactions).

The offer is valid until 31.12.2023.

Please consult the rules HERE.

Did you know that you can recover the foreign VAT?

You can choose to recover the VAT paid cross-border, provided through an external partnership with TaxBack International.

BRD and Taxback International provide to the business card holders a complete, fast and efficient VAT recovery service.

All you need to do is access the page Taxback International. For this service Taxback International charges a processing fee, percentage of the amount reimbursed, at the end of the procedure. No commissions are charged in advance and the assessment of reimbursable amounts is a free service.

Payments over the Internet secured by 3D-Secure

For extra safety in using the Business Cards online at the merchants that display the logos , we recommend you to activate free of charge 3D Secure, the highest standard of security of online payments.

Frequent questions

What is the due date in the case of the credit card?

The deadline by which the client must submit the following:

Minimum payable amount;

Equivalent value of the transactions made at the merchants, so that no interest is charged on the used amount.

What is the minimum payment amount?

The minimum mandatory repayment to be made by the client on a monthly basis; it is a fixed percentage of the used amount.

Advice and guides

Credit calculator

Agencies and ATMs

Commissions and tariffs