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Card Avantaj Mastercard Standard
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Credit cards
- Card Avantaj
- Optimo Card
- Nexent Diamond
- Virtual Card
- Avantaj
- You pay the installments at PayPoint payment points
- Pay the installments at the SelfPay Payment Stations
- Google Pay
- Apple Pay
- Your online shopping, now even safer
- Authorize electronic card payments directly from the Avantaj app!
- Information on currency conversion in the case of card transactions in EU
- Debit Cards
- Savings
- Loans
- Transfers
- monet Mobile Banking
- Internet Banking
- Avantaj SoftPOS
- Bancassurance
- Foreign currency transactions
- Current accounts
- Cash transactions
Card Avantaj Mastercard Standard
Card Avantaj issued under the Mastercard logo is the first credit card in RON usable both nationally and internationally, offering the advantage of shopping in interest-free installments* for which you receive cashback in Avantaj Coins for every transaction made.
Additionally, the card can be used at any ATM or merchant both in Romania and abroad wherever the Mastercard logo is displayed.
Now, the Card Avantaj Mastercard can 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 total monthly payment, as shown on the account statement issued by the bank, is paid in full.
About Card Avantaj
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Benefits
Ability to pay in up to 24 interest-free installments for products purchased from Nexent Bank partner stores, as follows:
- Between 1 and 24 installments in the partner stores network;
- Cashback in Advantage Currencies for any type of transaction made in Romania or abroad, both commercial transactions and ATM cash withdrawals – From 0.2% to 3% of the value of each transaction
- Credit limit of up to 80,000 RON – up to 6 times your income. Zero lei issuance fee (including for additional cards);
- Zero lei commission for ATM cash withdrawals in Romania. 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;
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Free services
- Possibility to top up your card account at Nexent Bank ATMs with the "cash in" function;
- Possibility to change your PIN code for FREE at any ATM in the world that offers this function;
- Possibility to change your PIN code for FREE at POS terminals in Nexent Bank territorial units or by calling the Call Center service (directly from the menu);
- Possibility to perform a FREE balance inquiry at any ATM in the world that offers this function or by calling the Call Center service (directly from the menu);
- Obtaining FREE mini-account statements from Nexent Bank ATMs;
- Communication of the minimum payment amount by sending a monthly SMS.
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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 permanently updated list with the addresses of Card Avantaj partner stores; you can also find information about ongoing campaigns;
- In addition to the advantage of shopping with installment payments, you can now use your card issued by Nexent Bank for online payments. Transactions made on the Internet also provide 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 also receive between 0.3% and 3% cashback in Avantaj Coins from the transaction value. Increased attention has been paid to transaction security, which is why all Avantaj Card 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).
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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).
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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.
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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;
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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:
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Card activation for online transactions
- 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.
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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.
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List of fees, commissions, interest rates, and costs associated with Card Avantaj
- List of fees and commissions.
- Information document regarding credit card account fees.
- Glossary
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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.