Credit cards
GOLD

An exclusive card to suit to your lifestyle!

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.

Concierge

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

You have access to unforgettable experiences and discounts at merchants through the Mastercard Priceless platform.

Higher limits

With the Gold Credit Card, you can get a credit limit of up to 75,000 lei.

6 installments without interest anytime and anywhere in the world

Use the BRD credit card and you have 6 installments with 0% interest anywhere in the world for purchases of at least 600 lei or up to 36 installments with lower interest rate.

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 600 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 600 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.

EXTRABENEFITS

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. Both transaction date and settlement date must be within the 30-day window above, but no later than 4 days prior to lounge access.

In addition you get 2 entries per year at each airport for your guests at no cost(1 entry = 1 guest).

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 30.06.2025.

Please consult the rules HERE.

Concierge

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.

CONTACT:

Dedicated line at you disposal 24/ 24h

- call: 0737 410 101

- write to us: office@conciergeBRD.ro

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:

NET INCOME:

minimum 4000 lei

WORKPLACE SENIORITY:

minimum 3 months (contract for an unlimited period)

FAQ

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.

Fees

Annual administration fee

150 lei/year

Fees and commissions

List of card commissions	download

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