Card Avantaj Visa Platinum

About Card Avantaj Visa Platinum

• Card issuing requested forms

  You can apply WITHOUT INCOME DOCUMENTS to get a credit limit if your earnings derivate from salaries reported to the National Agency for Tax Administration (ANAF).

  Furthermore, in over 40 Nexent Bank territorial units and work points, after the Bank has performed the necessary checks in the ANAF database and the eligibility conditions are met, the card is handed over to you. If your earnings are not reported to the National Agency for Tax Administration (ANAF), you must submit the following documents*:

  • Income statement;
  • Certificate of income.

  * There may be situations where additional forms are required to provide credit.

• 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;
  • Up to 500 RON cashback in Avantaj Coins when you treat yourself to delicious meals at your favorite restaurants. Apply now for the Card Avantaj Visa Platinum. Find out more about the campaign here.
  • 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 RON to 200,000 RRON – up to 6x your salary;
  • Zero withdrawal fee at ATMs in Romania and abroad for customers who apply for the card starting July 11, 2025;
  • 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. 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

  Insurance Package During International Travel

  • Medical and legal insurance and assistance
  • Medical consultancy programs
  • Hospitalization coverage
  • Emergency medical transport
  • Baggage loss insurance
  • Flight delay insurance

  Premium Travel Benefits

  • Access to over 1,000 VIP or Business Lounges in more than 500 cities worldwide through the Priority Pass program
  • Exclusive Visa Platinum privileges around the globe
  • Emergency card replacement in case of loss or theft
  • Emergency cash disbursement services
  • 24/7 assistance via Call Center
• VISA Platinum privileges

  Airport Lounge Access & Exclusive Visa Platinum Privileges

  • Now you can truly relax before your flight at the airport lounges in Otopeni, Timișoara, or Cluj. Enjoy complimentary internet access, fax, international TV channels and magazines, as well as a wide range of beverages and snacks.
  • As a Visa Platinum cardholder, you can access the lounges at any of the three airports up to 6 times per year.
  • Free access to Business Class lounges is available only for cards that have recorded POS or online transactions totaling at least 7,500 RON within the last 30 days and no later than 96 hours before lounge entry.

  1. The access policy for Henri Coandă International Airport is available here.
  2. The access policy for Timișoara Airport is available here.
  3. The access policy for Cluj-Napoca Airport is available here.

  • Additional Visa Platinum Cardholder Benefits are avaiable here.
  • Air Refund – Receive compensation in case of flight delays or cancellations, available exclusively for Visa Platinum cardholders.
  • Bidroom – Access one of the largest hotel deal platforms, tailored specifically for Visa Platinum members.
  • Visa Global WiFi – Enjoy free access to over 1,000 WiFi hotspots around the world through Visa’s partnership with Boingo.
  • Luxury Hotels Collection – Discover and book luxury hotels around the globe through the exclusive Visa Luxury Hotel Collection.
  • National & International Offers – Benefit from significant discounts at luxury stores, museums, restaurants, and hotel chains both in Romania and abroad.
• Free services
  • Ability to deposit funds into your card account using Nexent Bank ATMs equipped with the “cash-in” function;
  • Free PIN code changes at any ATM worldwide that supports this feature;
  • Free PIN code changes also available at POS terminals in Nexent Bank branches or by calling the Call Center (via the automated menu);
  • Free balance inquiry at any ATM worldwide that offers this feature, or through the Call Center (via the automated menu);
  • Free mini account statements available from Nexent Bank ATMs;
  • Monthly SMS notifications with the minimum payment due.
• Where can I buy with installments payment?

  You can enjoy the advantages of shopping with interest-free installment payments 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.
  Please note: Contactless transactions at POS terminals in partner stores do not display the available number of installments, therefore they are not eligible for interest-free installment payments.

  • Check the up-to-date list of Card Avantaj partner stores here and discover ongoing promotional campaigns;
  • In addition to the benefit of paying in installments, you can now use your Nexent Bank card for online shopping. Internet transactions offer enhanced flexibility;
  • You can shop at any time – products and services are just a click away, without needing to visit physical stores. Additionally, you’ll receive between 0.7% and 3% cashback in Monede Avantaj, based on the transaction value;
  • Special attention has been paid to transaction security. That’s why all Card Avantaj partner and non-partner online merchants (when supported) are enrolled in the 3D Secure system (Mastercard SecureCode and Verified by Visa).

   
• 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 credit 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.