Card Avantaj Mastercard Gold

About Card Avantaj Mastercard Gold

• Benefits

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

  • Between 1 and 24 instalments at partner stores;
  • Cashback in Avantaj Coins for any type of transaction made in Romania or abroad, including both purchases and ATM cash withdrawals – from 0.5% up to 3% of each transaction value.
  • Credit limit from 10,000 RON up to 135,000 RON – up to 6 times your salary.
  • Zero issuance fee (including for additional cards);
  • Zero commission for ATM cash withdrawals in Romania and abroad, for clients applying for the card starting July 11, 2025;
  • Grace period of up to 45 days with no interest charged for purchases (including those made in instalments);
  • Unlimited credit period as long as the minimum monthly payment is made;
  • Dual functionality: in addition to access to a credit limit granted by the bank, the cardholder can also use their own funds available in the card account;
  • Services available to cardholders abroad: telephone assistance for card usage, replacement of lost or stolen cards, and emergency cash disbursement;
  • Possibility to request up to 5 additional cards. Request an additional card now and enjoy 0 RON administration fee for the first year. For more details, check the campaign rules here.
• Premium benefits

  Access to over 1,800 airport lounges in 146 countries

  Starting January 1, 2026, your Mastercard Premium card gives you access to over 1,800 lounges in 146 countries. Enjoy a comfortable and quiet space where you can relax or work before your flight. Discover the list of available lounges and the conditions of use at prioritypass.com.

  How do you access the lounge?

  Present your physical Mastercard Premium card at the entrance (the card stored in a digital wallet is not accepted).

  OR

  Scan the QR code in the Priority Pass app. See the guide here.

  Free lounge access is available only for cards with eligible transactions made at merchants (in physical locations and/or online), domestically or abroad, and settled in the previous calendar month.

  Both the transaction date and the settlement date must fall within the previous calendar month and must have occurred no more than 96 hours before lounge access.

  Number of free visits for the Gold card:

  • 3 free visits per year, if you have made purchases of at least RON 4,500 with your card in the previous calendar month.

  By participating, you agree to all clauses set out in the Terms and Conditions.

  Access to the Priceless program

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

  Travel insurance package for trips abroad:

  • Medical and legal insurance and assistance;
  • Medical consultation programs;
  • Hospitalization;
  • Transportation in case of medical emergencies;
  • Insurance in case of lost luggage;
  • Insurance in case of flight delay.
• Free services
  • 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.
• Where can I buy with installments payment?

  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).
• What are Avantaj Coins and how can they be used?

  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).
• When do you make payments?
  • 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.
• How to get a credit card issued by Nexent Bank?
  • 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;
• 3D SECURE

  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:

   

• Card activation for online transactions
  • Credit cards issued by Nexent Bank are enabled for online transactions.
  • If you wish to block your card for online transactions, you can do so via the Avantaj mobile app or by calling the Call Center at: 0801.000.000 (available from Telekom landlines) or 0750.000.000 / 0724.100.000 (available from any network). Activation is done directly through the phone menu, without the need to speak with a bank representative. This service is available 24/7, and calls are charged at standard rates.
  • Click here for more details on how to deactivate your card for online transactions via the Call Center.
• Required documents for card issuance

  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.

• List of fees, commissions, interest rates, and costs associated with Card Avantaj
  • List of fees and commissions before 11.07.2025
  • List of fees and commissions after 11.07.2025
  • Information document regarding credit card account fees.
  • Glossary
• Note on transaction processing

  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.