Bonus Card does magic: refinance your credit and you can enjoy up to 36 interest-free installments

Benefits everywhere with Bonus Card!

Together with Bonus Card Classic, Gold or Platinum, you can fulfil all your dreams and needs on your wishlist thanks to the 3,5 or 9 interest-free installments

Shopping without borders with Bonus Card!

In other words, you can buy anything you want online, both at home and abroad!

Shopping with Bonus Card,
contactless, fast and safe

  • Pay instantly with contactless cards
  • Authorize online card transactions through static password and unique code received via SMS
  • Enjoy your shopping safely with 3D Secure

Benefits

More purchases with Bonus Card, more bonus

Enjoy secure transactions with 3D Secure

Up to 12 installments without interest at partner stores or more

You have a network of over 6000 offline and online partners

Bonus Card Campaigns

Whether you need to pay school fees or plane tickets, the world of Bonus Card offers you numerous campaigns from partners.
Refinance any loan product obtained from another bank until January 31, 2024. You can benefit from up to 36 interest-free installments.
Now you can pay for international trips with any currency other than RON. Regardless of the type of Bonus Card used, you have access to up to 12 installments without interest.

Clear and transparent costs

Our costs are a click away. See also the calculation example here.

What are Bonus points and how can I use them?

1 bonus point is worth 1 leu. Find out here how you can collect them to pay less in the partner network.

How do I benefit from the grace period?

You have up to 50 days of grace, depending on the purchase date, if you pay with Bonus Card in physical and online stores.

Can I pay contactless with Bonus Card?

Yes, Bonus Card customers can pay contactless by touching the card to a POS/terminal, without entering the PIN.

Card Comparator

Bonus Card Classic

Up to 10% discount on your shopping

succes

12 installments without interest

succes

Access to 1500 VIP salons from international airports

no

24/7 phone support while traveling abroad in over 140 languages

succes

Free insurance for online shopping

no

Annual administration fee for main card (RON)

40
(free in the first year)

Fee for card issue/ renewal

0

Maximum amount (RON)

500 - 9.499 Lei

Bonus Card Gold

Up to 10% discount on your shopping

succes

12 installments without interest

succes

Access to 1500 VIP salons from international airports

no

24/7 phone support while traveling abroad in over 140 languages

no

Free insurance for online shopping

succes

Annual administration fee for main card (RON)

180
(free in the first year)

Fee for card issue/ renewal

0

Maximum amount (RON)

9.500 - 24.999 Lei

Bonus Card Platinum

Up to 10% discount on your shopping

succes

12 installments without interest

succes

Access to 1500 VIP salons from international airports

no

24/7 phone support while traveling abroad in over 140 languages

no

Free insurance for online shopping

succes

Annual administration fee for main card (RON)

360
(free in the first year)

Fee for card issue/ renewal

0

Maximum amount (RON)

25.000 - 100.000 Lei

WWF Bonus Card

Up to 10% discount on your shopping

succes

12 installments without interest

succes

Access to 1500 VIP salons from international airports

no

24/7 phone support while traveling abroad in over 140 languages

succes

Free insurance for online shopping

no

Annual administration fee for main card (RON)

40
(free in the first year)

Fee for card issue/ renewal

0

Maximum amount (RON)

500 - 100.000 Lei

You’re not a client yet? You can become a Garanti client in a few simple steps. Start with this form.

Bonus Card Classic is easy to get

FAQ

You can set up your PIN code by calling the Customer Communication Center toll-free telephone number 0800 80 1234 anytime between 09:00-22:00, reachable to all fixed-lines, or call + 40 21 200 94 94, a normal rate telephone number.

The bonus you earn can easily be used at any Bonus Card Partner Store, at any time. No need for waiting. No need for phone calls. You get to decide when and what to buy, free of charge! 1 Bonus point = 1 RON. You can choose to use only part of the earned bonus in order to fully or partially pay for your shopping at any Bonus Card Partner Store. All you have to do is remind the seller at the time of the payment that you wish to pay by using the accumulated bonus. The available bonus can be used in Bonus Card network of physical stores which can be found in Partners list.

Each time you buy something, anywhere in the world, you earn 0.3% bonus in the non-partners stores. Plus, in the Bonus Card Partner Stores, you can earn up to 10% bonus. All you have to do is ask the seller to use the POS Garanti BBVA. Buy more, earn more!

The bonus never expires! It is stored on your card chip and can be used for free shopping anytime you want!

Yes, you earn bonus even if you choose an installment plan. During Special Campaigns, the standard bonus for installments is not granted, and the campaign conditions apply. For the updated list of campaigns, click here.

You can visit us at the nearest Garanti BBVA agency, where you can request a credit limit increase on your credit card.

The minimum payment represents the amount of money the client must pay when the due day comes, applied as 3% (1) of the used credit limit owed at the end of a transaction cycle (except future maturity rates) to which the Bank adds (2) 100% credit card costs, plus (3) 100% interests, plus (4) 100% sums resulted from exceeding the credit card limit, plus (5) 100% penalties, plus (6) 100% remaining debts, according to The List of Rates and Commissions for Credit Cards for Individuals displayed in any Garanti BBVA agency.

In case you pay the minimum payment only, the Bank will charge interest for the entire period, starting with the purchase day up to the debt payment day.

By issuing the minimum payment only, you cannot benefit from grace period.

In case you don’t issue at least the minimum payment, the Bank will apply the penalizing interest.

*available daily between 9:00 and 22:00.

**Special Campaigns are Campaigns for a specific period in which installments and/or additional bonus are granted compared to the standard conditions in partner stores.

For the updated list of campaigns click here.