Mastercard Standard

The Credit Card may be your choice when you want flexibility in accessing credit. With the right credit card, you can control your finances, defer the cost of the goods you want to buy now, or earn rewards for day-to-day expenses. Generally, you will pay your interest rates unless you pay your credit each month or you have an interest-free offer.

Credit Card validity
3 Years
Interest rate for ATM withdrawals/payments
Interest rate for POS payments
Monthly maintenance fee of the Credit
Credit Card’s issuance and PIN code generation
No fee
POS payments
RO: 0 RON; Abroad:1%
Cash withdrawal at the ATM/ bank counter
RO: 1% + 8 RON Abroad: 2%+10 RON

Multiple benefits just in time

0% fee for commission for purchases made in the country
0% interest during the grace period up to 50 days for card payments in the country and abroad

At the time of card request you can make your first card purchase* at partner stores and pay in fixed rates

Cash withdrawals from ATMs displaying the Mastercard logo, anytime, in the country and abroad

Shopping with a card worth more than RON 300 can be repaid in equal installments with a more advantageous interest

*The first purchase can be made without the use of a card, based on a debit order that is a credit line use operation and will be part of the Credit Card Agreement concluded between the Cardholder and TBI Credit IFN, through which the holder of the card requests TBI Credit IFN to debit the card account with the transaction value.
For more details click

Faster by contactless!

Faster by contactless!

Contactless technology represents 

  • The way of performing transactions by a simple tap to the contactless device.
  • Having full control of your card while it never leaves your hand.
  • Just tapping and go.

Using contactless cards


Contactless payments are faster and for the purchases up to 100 lei, there is no need for you to type the PIN code. In case the purchase value is above 100 lei, you will have to type also the PIN code for the payment to be authorized. Also if the merchant does not allow contactless payments, then you can pay in the classic way by inserting the card and the PIN code into the terminal.

For safety reasons, contactless functionality becomes active only after performing a first transaction PIN-based. This transaction can be a balance inquiry on ATM, a cash withdrawal from ATM or a purchase. After this, you can enjoy paying contactless.
All the above applies to the newly issued cards and renewed cards.

3D Secure now active!

3D Secure now active!

Keep on enjoying the online shopping by using your credit card safely in 3D Secure!

What is 3D Secure and how you can benefit from it


It happens that you don’t trust the online shopping by credit card and to think your transactions are not secured?
TBI Credit welcomes you with 3D Secure service, an anti-fraud system conceived to increase the security for online transactions performed by cards.
So for you to become easier, we are automatically activating the service on your card starting with 5th of November 2019.

How 3D Secure works

For each online transaction you will follow the below steps:

You choose the product or the service you like

For paying it you introduce you card data (card number, expiration date, CVV mentioned on the reverse side of the card)
To all the merchants' websites displaying “Mastercard SecureCode” an additional page will be opened, and you will be requested to introduce a password.

For each online shopping you will made unique passwords will be sent to you by SMS

Your payment will be finalized after you introduce correctly the password

In case you are not receiving the password, please contact us at 021 202 69 99 to check the mobile phone number in our system.

Frequently asked questions

You acquire an online product loan financed by TBI Credit.

Following the approval of your for which you have applied online, you will receive a card issued under MasterCard logo in 10 working days, by post at the correspondence address you provided.
To receive the PIN code, send SMS at 3726 with the text mentioned in the welcome letter, using the telephone number provided to TBI Credit.

  • Make the first transaction on ATM (cash withdrawal machine)* by correctly introducing you PIN code and your card will automatically become active, or
  • You can ask for your card activation by calling the Customer Service at 021 202 69 99

*The first transaction on ATM can be a simple balance inquiry.

Request PIN Regeneration, opt in to send it by SMS and in several minutes you receive a new PIN code at the mobile phone number provided to TBI Credit. 

The payment amount must be paid by the due date communicated through the financial statement. It is issued monthly and will be transmitted according to your option at the email address or correspondence address you have provided to TBI Credit. The first statement will include, besides the first installment, the monthly credit management fee.

Opt for sending the monthly statement to your email address.

- 5 % of the amount used (including taxes and fees) that you have not transferred to the refund option in instalments
- 5 % of the monthly instalments for transactions refunded in instalments
- the interest, including for the monthly instalments (if applicable)
- amounts for the unauthorized exceeding of the limit and/or penalties (if applicable)

The minimum due amount shall be specified in the monthly statement of account.

Quickly and simply, at any SelfPay (former ZebraPay), PayPoint or QIWI collection point.

PayPoint locations here.

SelfPay Payment Stations and the list of all services you can access are available here.

QIWI Payment Stations here

By bank transfer (at least 3 business days before the due date) into one of accounts as follows:

Banca Transilvania (contract – linie de credit): RO37BTRL0450160100703845
Raiffeisen Bank: RO72RZBR0000060016450006
TBI Bank EAD Sofia – Sucursala Bucuresti: RO24TBIB9311001900005202 
CEC Bank: RO60CECEB20044RON3223291
BCR: RO96RNCB0072049681080002

By Pago application. Find more details here.

For your card specifically

For any information about your card or if you want to declare it as lost / stolen, please contact Customer Care at the phone number 021 202 69 99, available 24/7.

General contact For any other information (card functionalities, receiving Card and PIN, your monthly statement), use one of the following options:
Call Customer Service at 021 529 86 00
or send an email at 
Monday to Friday 9:00 - 18:00


Customer Service
T: 021 529 86 00

Working hours
Monday - Friday
| 08:00 - 17:00

Saturday - Sunday
| Closed


Head office

Bucharest, Romania,
8-12, Putul lui Zamfir Str.