Card Avantaj Visa Gold

About Card Avantaj Visa Gold

• Forms required to issue a card

  You can apply WITHOUT INCOME DOCUMENTS, to obtain a credit limit if your recorded income is from wages reported to the National Fiscal Administration Agency (ANAF).

  After carrying out the necessary checks by the Bank in the ANAF database, and if the eligibility conditions are met, the card is handed to you on the spot in one of Nexent Bank's territorial units. See here the full list of branches. If the income registered by you is not reported to the National Fiscal Administration Agency (ANAF), it is necessary to present the following documents*:

  • Proof of income;
  • Statement of income from wages.

  *There may be situations in which, in order to grant the loan, it is necessary to present additional documents.

• 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.
• VISA Gold privileges

  24/7 assistance through our Call Center.

  • Now you can truly relax before your flight in the airport lounges at Otopeni, Timișoara, or Cluj. Enjoy complimentary access to internet, fax, international TV channels and magazines, as well as a wide range of drinks and snacks.
  • Visa Gold cardholders can access the lounges at any of these three airports up to 3 times per year.
  • Free access to Business Class lounges is granted only for cards that have registered POS or online transactions totaling at least 5,000 RON within the last 30 days, up to a maximum of 96 hours before lounge entry.

  1. The lounge access regulations for Henri Coandă International Airport are available here.
  2. The lounge access regulations for Timișoara Airport are available here.
  3. The lounge access regulations for Cluj-Napoca Airport are available here.

  • More details about the privileges for VISA GOLD cardholders are available here.
  • Air Refund – Compensation service for flight delays or cancellations, available to Visa Gold cardholders.
  • Bidroom – Access to one of the largest hotel offer aggregators, tailored especially for Visa Gold clients.
  • Luxury Hotels – Discover the Visa collection of luxury hotels, gathered in one place for your convenience.
  • National and international offers – Enjoy exclusive discounts at luxury retailers, museums, restaurants, and hotel chains, both in Romania and abroad.
• Free services
  • The possibility to deposit cash into your card account at Nexent Bank ATMs with the “cash-in” function;
  • Free PIN code change at any ATM worldwide that offers this functionality;
  • Free PIN code change at POS terminals within Nexent Bank branches or via the Call Center (directly through the menu);
  • Free balance inquiry at any ATM worldwide that supports this service, or via the Call Center (directly through the menu);
  • Free mini account statements available at Nexent Bank ATMs;
  • Monthly SMS notifications with the minimum payment amount due.
• Where can I make installment purchases?

  You can enjoy the benefits of installment payments when shopping at merchants in the Card Avantaj partner network. This allows you to make purchases across a wide range of industries: fashion, travel agencies, insurance, furniture, beauty salons, electronics / home appliances / IT&C, home décor, healthcare, supermarkets, gas stations, and more.

  Important! Contactless transactions made at POS terminals in partner stores do not display the number of available installments, and therefore do not qualify for interest-free payments.

  • You can check the continuously updated list of Card Avantaj partner stores here , along with information on current promotional campaigns.
  • In addition to installment payments, you can now use your Nexent Bank-issued card for online purchases, offering you added flexibility.
  • You can shop anytime, with products and services just a click away — no need to visit physical stores.
  • Plus, you'll receive between 0.5% and 3% cashback in Monede Avantaj based on the transaction value.

  Special attention has been given to transaction security — all online partner (and eligible non-partner) merchants are enrolled in the 3D Secure system (Mastercard SecureCode and Verified by Visa), ensuring safe payments over the Internet.

• What are Monede Avantaj and how can they be used?

  You’ll receive between 0.5% and 3% cashback in Monede Avantaj based on the value of commercial transactions made for goods and services — whether through POS terminals or online — as well as for ATM cash withdrawals, both in Romania and abroad.

  The cashback accumulated in Monede Avantaj will be available in your Avantaj app.

  You can redeem Monede Avantaj through the following methods:

  • Convert them into bonus credit in the app and use it to pay for a new purchase at any Card Avantaj partner store where a Nexent Bank POS terminal is available. All you need to do is inform the merchant that you wish to pay using your bonus account;
  • The bonus cannot be withdrawn in 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: https://www.cardavantaj.ro/loialitate.

• When do I have to pay?
  • To make it easier for you to repay the amounts used (in case you do not wish to repay the full amount during the grace period), Nexent Bank allows you to repay only the minimum amount due each month — which is 3% of the transaction value shown on your monthly account statement, plus 100% of any interest and applicable fees (if any);
  • With each account statement issued, Nexent Bank will send you a free SMS with the minimum payment amount;
  • The credit limit granted on the card is revolving, meaning that any amounts you repay will become available again in your card account.
• How to get a card issued by Nexent Bank?
  • Visit any Nexent Bank branch;
  • Apply online here;
  • Call our Call Center: 0801.000.000 (available from the Telekom fixed network) or 0750.000.000 / 0724.100.000 (available from any network), and a bank representative will assist you with obtaining your card.
• 3D SECURE

  Enjoy enhanced security for online transactions made with cards issued by Nexent Bank. Purchases made with Card Avantaj cards offer you exceptional flexibility along with a heightened security standard through the implementation of the 3D Secure protocol.

  You can make commercial transactions anytime, with products and services just a click away—no need to visit a physical store.

  Additionally, you’ll earn cashback in Monede Avantaj, calculated based on the transaction value.

  What is 3D Secure?

  • 3D Secure is a security standard developed by Mastercard and VISA that provides you with the option to use an additional password only for online payments, helping to prevent fraud attempts.
  • This password is requested every time you want to make a transaction at online stores that are enrolled in the 3D Secure standard, using cards issued by Nexent Bank.
  • This solution addresses the need for a reliable payment method by eliminating the risk of fraud through copying payment instrument details or randomly generating card numbers for use on the Internet.
  • Furthermore, Nexent Bank cards are automatically activated for the Mastercard SecureCode / Verified by VISA service and stand out by offering a higher security standard because the authentication during online purchases is done via a unique, dynamic password.
  • This password is sent to you via SMS each time you want to complete a transaction.

  For safer online shopping, try to purchase products only from merchants enrolled in 3D Secure, who display the following logos:  si 

   

• 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.