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 0.1% 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.