Bonus Card Gold

Fulfill wish after wish everyday with Bonus Card Gold

Desires are like dominoes. If you fulfill one, you feel the need to fulfill them all, in turn. Get your Gold Bonus Card from Garanti BBVA and you will be able to benefit from one of the largest networks of partners in Romania.

Up to 10% Bonus

in the Bonus Card Partners Network

3000⁺

of partnerships with stores

Bonus Card Gold benefits and extra helpful information

Approved limit and currency: between 9,500 Lei and 24,999 Lei, up to 3 times the eligible income
You can have different benefits from campaigns with Bonus Card
You get up to 10% Bonus from the value of merchant partners purchases. The value of 1 Bonus Point is 1 Leu
You get up to 0,1% discount on your shopping to any merchant
You can buy everything you need in free installments with 0% interest at merchant partners
You have over 3000 Bonus Card Gold partners to use your bonus
You get up to 50 days grace period for POS transactions if you pay back the whole amount before the grace period ends
You can use up to 50% of the credit limit for cash advance transactions
You can also get up to 3 supplementary Bonus Card Gold for which you can set the limit amount to be used
You can benefit of a refinancing program of any type of credit from another bank, within a limit of 20,000* Lei in up to 36 interest free installments**
You have free access to Business Lounges starting from 01.05.2023:

Henri Coandă International Airport, Bucharest-Otopeni: Business Lounge Tarom (North) and Satellite Business Lounge
Vienna International Airport: Vienna Lounge and Sky Lounge
Traian Vuia Timisoara International Airport: Domestic Business Lounge (for national/domestic flights) and Business Lounge International (international flights)
Sibiu International Airport: Business Lounge
Cluj Airport Business Lounge.

With your Bonus Card GOLD card, you have 2 free entries / year / airport for the cardholder.

Eligible transaction: any payment made to a merchant (in physical locations and/or e-commerce) using a Gold Bonus Card or Platinum Bonus Card and appropriately settled within the last 30 days, up to a maximum of 96 hours before the access request to the Premium Location, and which is not excluded by the present Rules. Both the transaction date and the settlement date must fall within the aforementioned 30-day period, up to a maximum of 96 hours before the access request to the Lounge. The program starts on January 1st, 2024, and ends on December 31st, 2024.

See the full list of Fees and Taxes here.

* 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

** If the entire current debt is paid until due date.

Free insurance for traveling abroad
Click here for more details on foreign travel insurance attached to Bonus Card Gold.

Free insurance for online shopping

Wherever you are, you can benefit of card replacement or cash advance in case your card has been lost or stolen.
You have optional SMS alert for all purchases performed with your Bonus Card.
Bonus Card offers you extra-secure online shopping, by providing you with an extra-security filter: 3D Secure. This allows you to confirm all online payments, by using a security code which you will receive on your phone.

You get a free Travel Health Insurance that covers emergency health problems that may occur during your travels abroad (see details here).

You can benefit of a Payment Protection Insurance for only 0.168% applied to the total current and future debts from your last Bonus Card statement. And you will pay it automatically from your Bonus Card available limit (see details here).

You benefit from special discounts in 230 partner locations in Romania

Garanti Bank S.A. is taking part in the Bank Deposit Guarantee Fund (FGDB).
The funds deposited in current accounts, savings accounts or time deposits opened by customers with Garanti BBVA are protected through the guarantee scheme administered by the Bank Deposit Guarantee Fund, up to 100,000 EUR, RON equivalent, as specified in the conditions from Information Form for Depositors and in the List of Deposits Exempted from Compensation, which you can read here.

Clear and transparent costs

Calculation example

Clear and transparent costs

	Bonus Card Gold ****	Bonus Card for clients with salary conventions at Garanti BBVA *
Annual administration fee for main card (RON)	180 (free in the first year)	50% Discount from the annual fee
Annual administration fee for supplementary card (RON)	90	50% annual fee discount
Fee for card issue / renewal	0	0
Reissuance fee at client’s request (RON)	60 (free for the first reissue)	15 (free for the first reissue)
Fee for using the ATM for cash **	1%+5 RON	1%+5 RON
Fee for checking the balance at the bank’s ATM	0	0
Fee for checking the balance at a different bank’s ATM (RON)	1	1
Minimum payable amount ***	3%	3%
Credit card interest rate	27,6%	19,2%
Interest rate for cash withdrawal	27,6%	19,2%
Penalty interest rate	30,6%	22,2%
Grace period	Up to 50 days	Up to 50 days
Bonus at non partner merchants	0,1%	0,1%
Bonus at partner merchants	Up to 10%	Up to 10%
Margin of adjustment for exchange rate of transactions in other currencies	1,25%	1,25%
DAE Interest	34,4%	22,9%

* This offer is valid for clients with salary conventions at Garanti Bank SA, who apply for a credit card after 15.12.2019 and only within the period when the Salary Convention is active.
** In the case of Garanti Bank SA ATM’s located in agencies, the Fee for using the ATM for cash is 0.
*** Minimum payable amount is formed of 3% of Utilised Credit Line and Due plus 100% interests and fees.

Calculation example

Contactless technology

Fast payments by simply tapping the card to a POS/device with contactless functionality without PIN code for transactions below 100 RON. The cumulative amount that can be spent from contactless transactions is 700 RON, once you surpass this threshold the PIN will be required.