Credit Card
Refinancing

Refinance your overdraft or credit cards from other banks in up to 36 installments with 0% interest until May 31, 2025 through the BRD Credit Card!

Apply online

Standard Credit Card

Come to BRD! You have a great refinancing offer for overdrafts or credit cards granted by other banks or financial institutions! You benefit from:

6 installments with 0% interest

You always have 6 installments with 0% interest, at retailers or online* and up to 36 installments with low interest, anywhere in the world. In addition, you have the possibility to set your purchases in more than 6 installments, also with 0% interest, at BRD partner merchants.

See all offers HERE

Installments by SMS

You can set easily your purchases in any number of installments you want, through SMS.

You can find more details about this process HERE .

Grace period up to 55 days

We offer you a grace period up to 55 days, for purchases performed directly from merchants.

Loan on phone

Yes, even cash! Easily transfer any amount over 600 lei to your current account and you can return it in up to 36 equal installments, with an advantageous interest rate of 16.9% per year.

Gold Credit Card

Did you like the benefits of the Standard Credit Card? The Gold Credit Card brings you much more!

Free and unlimited access to airports lounges

You have free and unlimited access to airports lounges: Mastercard Business Lounge from Henri Coanda, Avram Iancu from Cluj, Traian Vuia from Timisoara,, Sibiu International Airport, Jet Lounge and Air Lounge from Vienna.

Free external travel insurance

You have the benefit of free external travel insurance, including for family members, with the possibility of cancellation for trips departing from Romania.

What do you have to do?

1. You tell us your Iban account and the amounts to be refinanced by other financial institutions.
2. After we approve the credit line, we transfer the refinanced amounts to the other financial institutions, so that you have a single installment with 0% interest at BRD. You can also get an additional amount to use as you wish.

Campaign Regulations - Credit Card Refinancing

Rate mechanism and grace period details

Standard offer 6 installments without interest for payments of at least 600 lei at merchants or online (both in Romania and international).

Representative example for a credit line attached to the Standard Credit Card, with a value of 5,000 lei, for 4 years: fixed interest 26% per year, DAE: 30.82%, card administration fee: 50 lei / year, total value payable: 10.403,56 lei, the minimum monthly payment amount is 3.5% of the balance used, minimum 20 lei.

Representative example for a credit line attached to the Gold Credit Card, with a value of 20,000 lei, for 4 years: fixed interest 26% per year, DAE: 30.43% card administration fee: 150 lei / year, total value payable: 41.414,17 lei, the minimum monthly payment amount is 3.5% of the balance used, minimum 20 lei.

Both the list of partner vendors and the discount values may be subjected to change.

Commissions guide for individuals

Commissions and tariffs