Card Avantaj Mastercard Platinum

About Card Avantaj Mastercard Platinum

• Benefits

  Possibility to pay in installments with 0% interest for products purchased from the Nexent Bank partner store network, as follows:

  • Between 1 and 24 installments, in the partner store network;
  • Cashback in Advantage Currencies for any type of transaction made in Romania or abroad, both for commercial transactions and for cash withdrawals from ATMs – from 0.7% to 3% of the value of each transaction 
  • Credit limit from 20,000 to 200,000 – up to 6x your salary
  • Zero lei issuance fee (including for additional cards);
  • Zero lei commission for cash withdrawals from ATMs in Romania and worldwide.
  • Grace period of up to 45 days during which no interest is charged for commercial transactions (including in the installment system);
  • Possibility to quickly pay for purchases, using Contactless technology;
  • Possibility to benefit from an unlimited credit period provided that the minimum payment amount is made monthly;
  • Dual functionality: in addition to access to a credit limit granted by the bank, the cardholder can also dispose of his own funds available in the card account;
  • Services available to cardholders abroad: telephone assistance regarding the use of the card, replacement of a lost or stolen card, emergency insurance of an amount of money;
  • Possibility to request up to 5 additional cards;
• Premium benefits

  Mastercard Premium 2025 Program:

  • Mastercard Premium & Business 2025 Program: Pay with your Mastercard Platinum Advantage Card and benefit from special offers at participating merchants. 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.

  Insurance package during trips abroad:

  • Medical and legal insurance and assistance;
  • Medical consulting programs;
  • Hospitalization;
  • Transportation in case of medical emergencies;
  • Insurance in case of lost luggage;
  • Insurance in case of delay of your flight.

  Premium advantages during trips abroad:

  • Access to over 1000 VIP Lounges or Business Lounges in over 500 cities through the Priority Pass program;
  • 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;

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  Rules of access to the Business Lounges mentioned above:

  • All Mastercard Platinum cardholders have access;
  • All cardholders of cards mentioned above that are valid have access (i.e. not blocked, declared lost or stolen, or that cannot be used for payment transactions);
  • All active cardholders 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 a maximum of 96 hours before entering the salon;
  • For Mastercard Platinum cards, the cardholder will have unlimited access

  Check here the Mastercard Premium Program for access to the Business Lounge.

  • Emergency card replacement in case of loss/theft;
  • Emergency cash release;
  • 24/7 assistance via Call Center.
• 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 shopping with installment payments in the network of Card Avantaj partner stores. This way you can make transactions in stores from the most varied fields: fashion, travel agencies, insurance, furniture, beauty salons, electronics / home appliances / IT&C, decorations, health, supermarkets, 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 they 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 being just a click away without having to go to the stores. 
  • In addition, you will receive between 0.7% 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 stores 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 0.7% 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 in the virtual environment–internet, as well as for cash withdrawals from ATMs, in Romania or abroad. The accumulated cashback in Avantaj Coins will be available in your Avantaj application. Avantaj Coins can be redeemed by the following methods 

   

  • Avantaj Coins can be converted into a bonus in the application to subsequently pay for a new transaction in any Avantaj Card partner store where a Nexent Bank POS device is installed All you have to do is communicate that you want to make the payment from the bonus account;

  The bonus cannot be withdrawn in cash from an ATM nor can it be used to pay off the credit used;

  For more information about the loyalty program, please visit the following link (to be redirected to the loyalty program page)

• When do I have to pay?
  • To facilitate your repayment of the amounts used (in case you do not wish to fully repay the amount used during the grace period), Nexent Bank offers you the possibility to repay monthly only the minimum amount of 3% of the value of the transactions highlighted in the account statement issued at the end of each month, plus 100% interest and related fees (if any);
  • Upon issuing the account statement, Nexent Bank sends you a free SMS with the minimum payment amount;
  • The credit limit granted on the card is revolving, the amounts reimbursed being found 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

  Benefit from increased security for transactions made in the Online environment through cards issued by Nexent Bank. Transactions made through Card Avantaj cards give you great flexibility and an increased security standard offered by the implementation of the 3D Secure protocol. You can make commercial transactions at any time, with merchants' products and services just a click away without having to go to the store.

  What is 3D Secure?

  • 3D Secure is a security standard developed by Mastercard and VISA that offers you the possibility to use an additional password only when paying online, to prevent fraud attempts. This password will be requested every time you want to make a transaction at virtual stores on the Internet, at merchants enrolled in the 3D Secure standard, through cards issued by Nexent Bank. In this way, we respond to the requirements of developing a reliable payment method, eliminating the risk of fraud by copying the identification data of the payment instrument or randomly generating card numbers for their use on the Internet. Moreover, cards issued by Nexent Bank are automatically activated for the Mastercard SecureCode/Verified by VISA service and are differentiated by an increased standard in terms of security, by the simple fact that authentication when purchasing products or services on the Internet is done through a unique, dynamic password. You will receive this password via SMS whenever you want to make a transaction. For online shopping security, try to purchase products from merchants enrolled in 3D Secure that display the logos

   

• Card activation for online transactions

  In order to eliminate any possibility of fraud with card transactions over the Internet, all credit cards issued by Nexent Bank are initially blocked for on-line transactions. In order to be able to pay online, cardholders can activate this service by calling Call Center on tel .: 0750.000.000 / 0724.100.000 (call numbers from any network) or 0801.000.000 (Telekom fixed telephony network), and the activation is done directly from the phone menu, without discussing with a representative of the Bank. The service is available non-stop and phone calls have the standard costs.

  Here you can find out how to activate your online payments through Call Center.

• Card issuing requested forms

  You can apply for a credit limit if you have a verifiable source of income.

  If your income comes from salaries reported to ANAF, you do not need to present any documents to prove the amount of funds.

  If your income is not reported to ANAF, such as pensions, income from liberal activities, rent, dividends or other sources, you need to send us documents attesting to this income.
  After completing all the checks and if the eligibility criteria are met, the card will be sent to your home or can be picked up directly from one of the Nexent Bank territorial units.

  • List of fees and commissions.
  • Information document regarding credit card account fees.
  • Glossary
• Note on transaction processing

  The bank does not process direct/indirect transactions to/from: 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.