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Refinance your credit card, overdraft, or personal loan with Bonus Card

Availability: January 01st, 2023 – January 31st, 2025

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When it comes to your money, being thoughtful and careful about how you spend it is a true art. With these things in mind, we come up with solutions to help you! 

That’s why we offer you the possibility to refinance any credit product from another bank, up to 20,000 lei*. All you have to do is apply for the Bonus Card and you will benefit from an advantageous refinancing plan with up to 36 interest-free installments**.

** Customers eligible for refinancing are only customers who do not have a Bonus Card from Garanti BBVA or if they have owned a Bonus Card it was closed at least 36 months ago from the date of requesting the new card

**For the full payment of the current debt.

Enjoy all Bonus Card advantages from partners.

The usage of the available bonus points on Bonus Card is not possible for e-commerce/online payments temporary.

Bonus Card

Bonus Card Classic

Bonus Card Gold

Bonus Card Platinum

WWF Bonus Card

AVON Card

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Costs and fees

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All of the domestic and international market tables and graphs appearing on the www.garantibbva.ro website have been obtained from outside parties that provide services on such matters and have been prepared for the purpose of providing information in a general sense without any benefit being derived from them by Garanti BBVA. The validity of the tables or graphics appearing on our website is in no way guaranteed by Garanti BBVA and this information is not being provided for the purpose of securing any particular gain.

For this reason, Garanti BBVA cannot be held responsible for any direct or indirect material or moral losses or expenses that may arise on account of errors or deficiencies in the information contained in these tables and graphs or on account of transactions based on this information, or on account of any losses or expenses that outside parties may occur in any way whatsoever.

The communications/messages in electronic format do not include the essential elements to conclude a valid contract; do not represent an offer to conclude a contract or a binding intention for granting a financing facility, another product or for providing a service. The recipient’s acceptance of the terms and conditions available in electronic mail shall not be considered as a valid conclusion of a contract.

For the valid conclusion of a contract it is necessary to determine all essential elements by the competent approval authority of the bank and the written form of the contract signed by the parties involved.