Bonus Card Classic
Enjoy a world of plus with Bonus Card Classic
Get the Bonus Card Classic from Garanti BBVA and enjoy a world of plus. You will benefit of one of the largest partners network in Romania. Hard to believe? We have over 3000 partners with hundreds of online and offline stores to buy everything you want.
Up to 10% Bonus
in the Bonus Card Partners Network
3000+
of partnerships with stores
- Benefits
Bonus Card Classic benefits and extra helpful information
0 annual fee in the first year for main card and 40 Lei starting second year
20 Lei annual fee for supplementary card
Up to 12 installments with 0% interest* or even more during the special campaigns
0 commision for balance inquiry at any Garanti BBVA ATM
You can have different benefits from campaigns with Bonus Card
Starting April 25, 2024, we inform you that the percentage of bonus points offered to acquiring merchants (non-partners) will be 0.1% of the value of transactions made at POS (physical and e-commerce).
What you need to know about Bonus Card Classic
- Approved limit and currency: between 500 Lei and 9,499 Lei, up to 3 times the eligible income
- Transfer your salary in your Garanti BBVA account, you have a preferential interest rate.
- 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 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 3,000 Bonus Card 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 Classic for which you can set the limit amount to be used
-
Free insurance for shopping starting with 1st of November 2023
Every transaction paid with Bonus Card Classic online or in the physical stores are insured automatically in case of theft or accidental damages. The clients do not require to do any action in order to benefit of this feature, the insurance is active automatically.
See the full list of Fees and Taxes here.
- You can benefit of a refinancing offer for any unsecured loan from another bank, within a limit of 9.499* lei in 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 up-to-date payment of the current debt.
Safe 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 have 24/7 phone assistance during your travels abroad, in more than 140 foreign languages, by calling special phone numbers secured by MasterCard in more than 75 countries for free (the list of phone numbers is distributed by hotels, is published in travel guides and can be found on the MasterCard website and on the garantibbva.ro website)
Insurance
- 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 Classic statement
And you will pay it automatically from your Bonus Card available limit, see details here
How to apply
Bonus Card
Welcome to the world of Bonus Card. Let's meet
Online
You can easily apply for this product through an online form
In agencies
You can come to any of the Garanti BBVA agencies
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.
| Bonus Card Classic **** | Bonus Card for clients with salary conventions at Garanti BBVA * |
|
|---|---|---|
| Annual administration fee for main card (RON) | 40 (free in the first year) | 50% discount from the annual fee |
| Annual administration fee for supplementary card (RON) | 20 | 50% discount from the annual fee |
| Fee for card issue / renewal at expiration (RON) | 0 | 0 |
| Reissuance fee at client’s request (RON) | 15 (free for the first reissuance) | 15 (free for the first reissuance) |
| Fee for using the ATM for cash ** | 1%+5 RON | 1%+5 RON |
| Fee for checking the balance at the bank’s ATM (RON) | 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 – days | 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.
**** The Costs for Bonus Card Classic apply totally to WWF Bonus Card.
Annual Effective Interest Rate is of 34,4% for a Bonus Card Classic with a limit of 5,367 RON, used immediately and reimbursed in 12 monthly equal installments. The interest rate is fixed: 27.6%/ year; Monthly installment: 516.9 RON; Total Payable Value: 6.267,6 RON; Annual card administration Fee: 40 RON; Using ATM for cash commission: 1% from used limit + 5 RON.
Full list of taxes and fees:
Download the list of fees Print the list of fees
With Garanti BBVA, you are always up to date with what’s new and even receive advice for managing your expenses
- Subscribe to our newsletter in order to receive periodic news and advice for a better management of your card expenses.
- We’ve prepared a complete list of suggestions with all you need to know in order to enjoy your Bonus Card correctly.
- If you have any questions about the management of your expenses and you haven’t found the answer here, you can contact a consultant by using the Customer Communication Center number (+40 21 200 94 94) or contact us online by filling this form.
*Starting with the second issue, a 15 lei fee will be charged.
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.
Bonus Card Classic is easy to get
- Identity card
Documents attesting the income from salaries, rents, service provision, freelance activities, dividends, pensions, etc.(more details at Garanti BBVA agencies);
- If your salary is reported to ANAF we only need your approval to check ANAF database, no income statement required in this case;
- If your salary is not reported to ANAF the following documents are required:
*During file analysis the bank may request supplementary documents
Find your nearest Garanti BBVA agency.
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