Card Avantaj Mastercard Gold

Card Avantaj Mastercard Gold

Card Avantaj Mastercard Gold is a credit card designed for special customers with significant incomes who want to enjoy a premium status.

A generous credit limit, interest-free* installment purchases, and cashback in Avantaj Coins for every transaction are just a few of the benefits of the Card Avantaj Mastercard Gold. In addition, the card can be used at any ATM or merchant in the country and abroad, wherever the Mastercard logo is displayed.

Card Avantaj Mastercard Gold can now be enrolled in Apple Pay and Google Pay. Learn more about Apple Pay here and Google Pay here. Pay with your phone safely, conveniently, and quickly.

* Zero interest applies if the full monthly amount due is paid, as shown in the bank-issued statement.

About Card Avantaj Mastercard Gold

  • The ability to pay 0% interest installments on products purchased from Nexent Bank's partner stores as follows:

    • Cashback in Avantaj Coins for any type of transaction in Romania or abroad, including both merchant transactions and ATM withdrawals — from 0.4% to 3% of the transaction value.
    • Credit limit up to 100,000 RON, up to 6 times your monthly income.
    • Zero issuance fee (also for supplementary cards).
    • Zero withdrawal fee for ATM cash withdrawals within Romania.
    • Grace period up to 45 days for commercial transactions, including installment payments.
    • Contactless technology for fast purchases.
    • Unlimited crediting period as long as the monthly minimum payment is made.
    • Dual functionality: cardholders can also use their own funds in the card account.
    • Support services for cardholders abroad: phone assistance, card replacement, and emergency cash disbursement.
    • Up to 5 additional cards can be requested.
  • Premium benefits when traveling abroad:

    • 4/7 assistance through Call Center.Free access to the Mastercard Business Lounge at Henri Coandă International Airport;
    • Free access to the Mastercard Business Lounge at Vienna International Airport;
    • Free access to the Mastercard Business Lounge at Traian Vuia Timișoara International Airport;
    • Free access to the Mastercard Business Lounge at Avram Iancu Cluj-Napoca International Airport;
    • Free access to the Mastercard Business Lounge at Sibiu International Airport, more details about access to Business Lounges can be found here;

    Rules of access to the Business Lounges mentioned above:

    • All Mastercard Gold cardholders have access;
    • All cards of the type mentioned above that are valid (i.e. not blocked, declared lost or stolen, or that cannot be used for payment transactions) have access;
    • All cards that are active have access, where active card means a card with at least one settled POS or e-commerce transaction, in the last 30 days, up to 96 hours before entering the lounge;
    • For Mastercard Gold cards, the number of free entries will be limited to 2 entries/year/airport for the cardholder. Entries from an airport refer to all business lounges available in that airport.

    Check here the Mastercard Premium Program for Business Lounge access.

    Mastercard Premium & Business 2025 Program: Pay with your Mastercard Gold Advantage Card, and benefit from special offers at merchants that are part of the program. Enjoy offers in categories such as Beauty, Digitize your business, Entertainment, Fashion, Gifts, Gourmet, Health, Home & Deco, Personal Development & Business and Travel, through a secure payment with Mastercard.

    The offers in the current program are valid from January 1, 2025 to December 31, 2025.

    The digital platform dedicated to the Premium & Business program, which simplifies access for cardholders in the Premium segment to invaluable offers and experiences, created together with over 100 partners on the local market, is available here.

    • Possibility of crediting the card account at Nexent Bank ATMs with "cash in" function;
    • The ability to change the PIN code free of charge at any ATM in the world that offers this function;
    • Possibility to change the PIN code free of charge at any POS of Nexent Bank territorial units or by calling the Call Center service (directly from the menu);
    • The ability to freely perform a balance enquiry at any ATM in the world that offers this function or by calling the Call Center service (directly from the menu);
    • Get FREE Mini account statements from Nexent Bank ATMs;
    • Communicating the minimum amount due for payment by monthly SMS.
  • You can enjoy the advantages of installment payment in the network of Nexent Bank partner shops. Thus, you can make transactions in shops from different areas: fashion, tourism agencies, insurances, furniture, beauty saloons, electronics/ IT&C, decorations, health, supermarket, gas stations, etc.

    Be careful, though! Transactions made contactless at POS devices in partner stores do not allow the number of available installments to be displayed, so you cannot benefit from interest-free installments.

    • Check here the updated list with the addresses of Card Avantaj partner stores; you can also find information about ongoing campaigns;
    • In addition to the installments payment, you can now use your credit card issued by Nexent Bank for online buying. E-shopping also offer great flexibility;
    • You can make transactions at any time, with merchants' products and services just a click away without having to go to stores. In addition, you will receive between 0.5% and 3% cashback in Avantaj Coins from the transaction value. Increased attention has been paid to transaction security, which is why all Card Avantaj partner and non-partner stores (if they offer this possibility) for online shopping are enrolled in the 3D Secure security system (Mastercard Secure Code and Verified by Visa).
  • You will receive between 0.3% and 3% cashback in Avantaj Coins from the value of commercial transactions made for the payment of goods and services, both through POS terminals and online, as well as for ATM cash withdrawals, in Romania or abroad. The cashback accumulated in Avantaj Coins will be available in your Avantaj app. Avantaj Coins can be redeemed through the following methods:

    Avantaj Coins can be converted into a bonus within the app, to be used later to pay for a new transaction at any Card Avantaj partner store equipped with a Nexent Bank POS device. All you need to do is inform the merchant that you wish to make the payment from your bonus account.

    • The bonus cannot be withdrawn as cash from an ATM and cannot be used to repay the utilized credit.
    • For more information about the loyalty program, please visit the following link (you will be redirected to the loyalty program page).
    • To help you repay the used amounts (if you do not wish to repay the full amount during the grace period), Nexent Bank offers the option to repay monthly only the minimum amount of 3% of the transactions shown in the account statement issued at the end of each month, plus 100% of the interest and applicable fees (if any);
    • Once the account statement is issued, Nexent Bank will send you a free SMS with the minimum amount due;
    • The credit limit granted on the card is of revolving type, meaning that repaid amounts become available again on the card account.
    • Come to any Nexent Bank territorial unit;
    • Apply online here;
    • Call to Call Center: 0750.000.000 / 0724.100.000 (available to any network) or 0801.000.000 (Telekom network) and our operators will be available to guide you in obtaining a card;
  • Enjoy enhanced security for online transactions using cards issued by Nexent Bank. Transactions made with Card Avantaj offer outstanding flexibility and an increased level of security through the implementation of the 3D Secure protocol. You can make purchases at any time, with products and services just a click away—no need to visit the store in person.

    What is 3D Secure?

    • 3D Secure is a security standard developed by Mastercard and VISA that gives you the ability to use an extra password, for online payments only, to prevent fraud attempts. This password will be requested every time you want to make an online transaction to the virtual stores, at merchants enrolled in the 3D Secure standard via credit cards issued by Nexent Bank.

    This system ensures a reliable payment method, eliminating the risk of fraud through the copying of card data or randomly generated card numbers for unauthorized internet use.
    Moreover, cards issued by Nexent Bank are automatically enrolled in the Mastercard SecureCode / Verified by VISA service and stand out for their high-security standards. During the purchase of products or services online, authentication is done via a unique, dynamic password received via SMS each time you perform a transaction.

    To ensure the safety of your online shopping, try to purchase from 3D Secure-enrolled merchants who display the following logos:

     

    • To eliminate the risk of online fraud, all Nexent Bank-issued cards are initially blocked for online transactions. To enable online payments, cardholders can activate this service by calling the Call Center at: 0801.000.000 (from Telekom landline), 0750.000.000 / 0724.100.000 (from any network), activation is done through the automated phone menu without needing to speak to a bank representative. The service is available 24/7, and calls are charged at standard rates.
    • More details here about how to activate online payments through the Call Center.
  • You can apply for a credit limit if you have a verifiable source of income.

    If your income is from salaries reported to the tax authority (ANAF), you do not need to present any documents to prove your income.

    If your income is not reported to ANAF—such as pensions, freelance income, rent, dividends, or other sources—you will need to provide documents proving these income sources.

    Once all checks are complete and eligibility criteria are met, the card will either be delivered to your home or can be picked up at any Nexent Bank branch.

  • The bank does not process direct or indirect transactions to/from the following countries: Afghanistan, Algeria, Chad, Democratic Republic of Congo, Congo, Cuba, Ivory Coast, Ethiopia, Iran, Iraq, North Korea, Libya, Mali, Myanmar/Burma, Niger, Nigeria, Palestine, Somalia, South Sudan, Sudan, Syria, Venezuela, Yemen.

Discover the complete list of Card Avantaj partner stores!

See partner stores

Attached documents

  • Income statement
  • Certificate of income
  • List of fees, commissions and interests
  • Mastercard Premium Business Lounge Regulation