| Bonus Classic ** | Bonus Gold | Bonus Platinum | |
|---|---|---|---|
| Annual administration fee for the main card (RON) | 40 RON | 180 RON | 360 RON |
| Annual administration fee for the supplementary card (RON) | 20 RON | 90 RON | 180 RON |
| Card issuance fee (RON) | 15 RON | 60 RON | 300 RON |
| Card renewal fee (RON) | 15 RON | 60 RON | 300 RON |
| Fee for ATM usage for cash | 1%+5 RON | 1%+5 RON | 1%+5 RON |
| Unauthorized exceeding interest | 5% | 5% | 5% |
| Minimum payment amount * | 3%* | 3%* | 3%* |
| Interest for transactions at merchants | 27,6% | 27,6% | 27,6% |
| Cash withdrawal interest | 27,6% | 27,6% | 27,6% |
| Overdue interest | 36% | 36% | 36% |
| Pre-approved consumer loan interest | 22.20% | 22.20% | 22.20% |
| Grace period - days | Up to 50 | Up to 50 | Up to 50 |
| Bonus amount at non-partner merchants | 0,5% | 0,5% | 0,5% |
| Bonus amount at Bonus Card partner merchants | 1%-5% | 1%-5% | 1%-5% |
| Cash advance daily limit - ATM | 4.000 RON | 4.000 RON | 4.000 RON |
| Adjustment margin for transactions in foreign currency exchange | 1,25% | 1,25% | 1,25% |
| DAE interest | 31.2% | 31.2% | 31.2% |
* Minimum payment amount represents 3% from the credit limit used plus 100% interests, fees and commissions.
**The Bonus Card Classic costs are fully applicable also for Bonus Card Mirror, WWW Bonus Card and Baneasa Bonus Card.
What is minimum payment amount - The minimum payment amount is communicated in the monthly statement and has to be paid until the due date. The minimum payment amount represents 3% from the credit limit used plus 100% interests, fees and commissions.
What is shopping interest - Shopping interest is the monthly net interest that is accrued if you pay an amount that is less than 100% of your total balance.
What is cash advance interest - Cash advance interest is the monthly net interest for cash withdrawal transactions using your Bonus Card and are accrued beginning from the date of the cash withdrawal transaction. The cash advance interest rate is 27.6%.
What is pre-approved consumer loan interest - If the number of installments with 0% interest is not enough for your budget, you can also have instant access to a pre-approved consumer loan with an advantageous interest for maximum 36 months. DAE percent for the consumer loan is 22.2%.
What is overdue interest - The overdue interest is the interest charged in case the minimum payment amount, which is 3% of the total debt, is not reimbursed. If you will reimburse between 0-2, 99% of the due amount, the bank will charge you 36% overdue interest.
What is unauthorized exceeding interest - Unauthorized exceeding interest is the interest that accrues if your expenses and cash advance transactions exceed the limit allocated to your card.
Grace period – The period in which the Bank does not perceive the credit card interest for the transactions performed at Acceptants and/or for the transactions in installments, evidentiated in the last statement, paid until due date.
Grace period is granted only if the owner fully pays to the Bank the total debt from the statement for the month in which transactions were performed at merchants, to the due date. Due date is the 20th day after issuing the statement or, if non-working day, the first working day after the 20th day.
Cash advance daily limit – the amount that may be collected from any ATM during one day, communicated to the holder through the Annex.
Unauthorized exceeding – situation that might appear in some conditions, such as off-line transactions or transactions in a currency different from the card’s currency, by using the card which value overcomes the available limit of the total approved credit.
The level of the effective annual interest rate, of 31.2% is calculated based on a representative example: the worth of the approved loan is 5367 RON, the cash withdrawal limit is of 30%. The next day after the credit was granted, the cash withdrawal limit is used, being fully refunded after 30 days. The limit for transactions at merchants is also entirely used the next day after the credit was granted, and refunded in 12 equal installments without interest.
