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Carrefour Romania and BT Direct launch Carrefour Direct Card, with On-the-Spot Financing and 5% Cash Back

Comunicat de presa 2022-04-07
Carrefour Romania and BT Direct launch Carrefour Direct Card, with On-the-Spot Financing and 5% Cash Back

Carrefour Romania and BT Direct, the consumer finance division of Banca Transilvania Financial Group, launch a new shopping card with extra benefits in Carrefour stores. With Carrefour’s new Direct Card, a person can obtain financing on the spot and, subsequently, 5% of the value of purchases made by full payment in Carrefour stores and online on This way, Carrefour Romania and BT Direct offer easy on-the-spot financing, which allows customers to purchase all the products on their shopping list while optimizing their budget through the refund of a part of the amount spent.

The card is made available to all Carrefour customers and can be obtained in Carrefour hypermarkets through a simplified procedure. The user enjoys on-the-spot financing of up to RON 40,000 and 5% cash back on the card for any subsequent purchase, paid in full with the Carrefour Direct Card in multiformat physical stores (hypermarket, supermarket, express stores and Supeco) and through the online channel, At the same time, the card can be used at any other merchant, including for the full payment of bills, but the 5% cash back benefit is exclusive to Carrefour, and the percentage returned to other merchants is 2%.

With Carrefour’s new Direct Card, customers can make purchases in stores or online, with 0% interest during the grace period of up to 55 days; contactless payments for purchases up to RON 100; mobile payments via the BT Pay app, as well as cash withdrawals. Moreover, the card also allows for interest-free, instalment-based payments, directly at the POS. Instalments are possible when shopping anywhere in the country or abroad, from any physical or online store, with full payment. For a transaction of minimum RON 500, the amount can be split into 3 interest-free instalments or between 4 and 36 instalments, with only 1% monthly interest, through the Installments Everywhere programme, and the benefit can be activated by SMS.

Last but not least, the card comes with multiple repayment options:

  • at the BT Express ATMs of Banca Transilvania;
  • via the Paypoint system, at any payment terminal;
  • via the Pago app installed on your phone;
  • by interbank transfer;
  • by predefined payment order via BT24 Internet Banking or Mobile Banking.



"Our mission is to build a comprehensive universe where our product portfolio is complemented by our service portfolio for a seamless shopping experience. With the card launched together with our partners from BT Direct, we extend this universe and offer Romanians the possibility to buy their desired products, food or non-food, in an even cheaper and safer way. Through this unique offer in Romania, we also contribute to protecting the purchasing power of our customers", Julien Munch, CEO Carrefour Romania.

"We are glad that together with our partners from Carrefour we have optimized our financing solution, offering Romanians a unique, easily accessible product on the market. We are waiting for them at the Financial Services offices inside Carrefour hypermarkets, where most customers can obtain on-the-spot financing for the products they want, just with their ID. Along with the financing they also enjoy the additional shopping benefits of Carrefour’s new Card Direct, a product that we will meet their needs and generate a new shopping and payment behavior", Nicoleta Bott, Deputy CEO, BT Direct.