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Gold credit cards

Credit cards

An exclusive card to suit to your lifestyle!

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You will enjoy all the benefits of a standard card and something more:

Lounge access

You have access at partner airports lounges (Henri Coanda Bucharest, Cluj, Timisoara, Sibiu and Vienna). More details HERE.


Dedicated services for organizing trips: accommodation and ticket booking services, travel tips. Booking tickets for sold out shows in big cities and tourist destinations. More details HERE.

Free travel insurance

For the whole family, with the possibility of cancellation for foreign trips departing from Romania. More details HERE.

Discounts at merchants

Discounts to all merchants included in the Mastercard Premium Program.

Higher limits

With the Gold Credit Card, you can get a credit limit of up to  60,000 lei.

6 installments with 0% interest anytime and anywhere in the world

Use the BRD credit card and you have 6 installments with 0% interest for purchases of at least 200 lei and up to 36 installments with low interest, anywhere in the world.

Extended installments up to 36 months

With one phone call to MyBRD Contact, you can cumulate more purchases in a total value of at least 200 lei, in a single installments plan of up to 36 installments and a lower interest rate: 16.9% per year.

Installments by SMS

You can easily set your purchases in installments, through a simple SMS. More details HERE.

Loan on phone

When you need cash, you can transfer amounts of minimum 500 lei from the credit limit to your current account, simply by calling MyBRD Contact! You can reimburse the amount in up to 36 installments with a lower interest rate: 16.9% per year.

Receive the PIN safely by SMS

We take care of your data to be fully secured, so you receive the PIN by SMS. If you want, you can easily change it at any BRD ATM. Everything is safe, easy and flexible.

Grace period

Up to 55 days without interest, if you pay the full amount used (without future due installments) until the due date. Valid for transactions at merchants.

Click HERE to find out more about the benefits that BRD Credit Card brings you.


The extrabenefits of the credit card are perfect for the ring you know she dreams of, for the newest devices or the gadgets you added to your wish list, but also for the fresh look you want to give to your home.
Installments without interest at partners merchants

With the BRD credit card you can set the purchases you make within our partners network in a higher number of installments. So that you easily accomplish your plans. Find the details HERE.

Exclusive promotions

We offer to the cardholders of BRD credit or/and debit cards a multitude of exclusive promotions. Find out HERE about the latest promotions.

Discounts at merchants

You can find HERE the list of merchants and the available discounts.


Acces Lounge

Access with your BRD Mastercard Gold card

You get 4 free admissions per year / airport to the Business Lounges mentioned below, 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 4 days before you enter the lounge.

In addition you get 2 entries per year at each airport for your guests at no cost.

Henri Coandă International Airport, Bucharest-Otopeni
- Dacia Business Lounge (formerly called "Tarom Business Lounge") - located in the International Departures Terminal on the 2nd floor, above gate 3
- Satelit Business Lounge - located in the International Departures Terminal on the 2nd floor, above gate 9

 Vienna International Airport
- Vienna Lounge - located in Terminal 2, immediately after security, on the 2nd floor
- Sky Lounge - located in Terminal 3, immediately after security, on the 2nd floor

 Avram Iancu International Airport Cluj-Napoca
- Domestic Business Lounge - located in the Internal Departures Terminal, opposite gates A2 and A3
- International Business Lounge - located in the International Departures Terminal, opposite gates B1 and B2

The Business Lounges from Avram Iancu Cluj Napoca International Airport are temporarily closed due to works expansion, the completion period being February 2024.

 Traian Vuia Timisoara International Airport
- Domestic Business Lounge - located in the Departure Terminal, domestic flights, on the 1st floor
- International Business Lounge - located in the Departure Terminal, international flights, 1st floor

 Sibiu International Airport
- Business Lounge - located in the Departure Terminal (immediately after security and border crossing)


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

The offer is valid until 31.12.2023.

Please consult the rules HERE.




Designed especially for your lifestyle, the BRD Concierge service is 24/7 dedicated to you, so you can enjoy all the experiences you are looking for. Whether you want an avant-garde holiday or seemingly nonexistent tickets, let us plan for you and you will enjoy refined experiences.

Your time is priceless and BRD is here to add even more value to it.


Dedicated line at you disposal 24/ 24h

- call: 0737 410 101

- write to us:


Book through and get up to 10% cashback


If you have a debit card Mastercad/Visa, you can benefit from cashback between 4% and 10% of the cost of the reservation made through, by accessing the dedicated link available here


Learn more


Travel insurance


What type of free of charge assistance do you benefit of?

- Travel: travel information, recovery and transmission of luggage arrived at another destination, advances, etc.

- Medical: advance for medical expenses, insurance of accommodation during the convalescence period, etc.

For Gold credit card, the travel insurance** is included and free of charge. The insurance becomes active in the moment of your first financial transaction performed and it will remain active if you perform minimum one transaction every 12 months. The insurance is available all over the world, except Romania, the country of citizenship and the country of residence of the insured. Moreover, the family members also benefit of the same covered risks.

**offered by BRD, as a contractor together with the insurer Sogessur SA Paris – Bucharest Branch (BRD Asigurări Generale/ BRD AG), registered with ASF under no. RX-3740

What does this insurance cover?

- Medical assistance and expenses, up to a limit of 100.000 EUR/year (including seasonal sports)

- Luggage protection (theft, total/partial damage, loss, damage), up to a limit of 500 EUR/event

- Delayed/cancelled flight, up to a limit of 500 EUR/event

- Storno for cancelled/interrupted/modified trip, up to a limit of 5.000 EUR/event

- Road assistance for the continuation of the trip, in case you encounter a problem with the car

Eligibility criteria

We tell you everything you need to know

Did you like what you read so far about our credit card and do you want to apply to get it? Here are the minimum eligibility criteria you need to meet:


minimum 2000 lei


minimum 3 months (contract for an unlimited period)


Do you want to know more about additional cards or cash withdrawals fees? The answer to these questions, as well as much more information, can be found HERE.


Annual administration fee

150 lei/year

Fees and commissions

List of card commissions download

Contact us for more details

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Rate mechanism and grace period details

Refinancing campaign rules

Standard offer 6 installments without interest for payments of at least 200 lei at merchants or online (both in Romania and international).

For refinancing the standard offer is 36 installments with an interest rate of 16.9% p.a. Promotional offer available until 31.12.2023.

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