Gold Credit Card

Characteristics:

• RON credit card for individuals
• Domestic and international use (the currency exchange is done automatically when paying abroad)
• The credit limit is set by the bank for each user, anywhere in between of EUR 2,500 and 6,000 (RON equivalent)
• Minimum monthly repayment: 5% of used credit
• Up to 4 supplementary cards attached to the credit account
• Monthly spending limit: 100% of the credit limit for card payments at merchant locations, 40% for cash withdrawals
• No need for guarantors, insurance or any other kind of guarantee

Advantages:

• You apply once and have access to the credit line for an unlimited period of time: the bank gives you a credit line that is available to you for the rest of your life and to which you have access, from Romania or from abroad, by paying at merchants or by making ATM and bank teller withdrawals 24/7. You decide when to use the credit line, depending on your needs at that moment.
• You get up to 50 interest-free days: for payments you make at merchants with your Raiffeisen Bank credit card you have a grace period of up to 50 days during which you pay no interest for the repaid amount. Even more: your transaction commission for paying at merchant locations is 0.
• When you travel abroad you benefit from a free insurance-type service package: accident insurance, lost baggage/document insurance, etc. details

Required documents (for employees):

• ID, original and photocopy
• standard income statement on your own liability, signed and sealed by your employer