Star credit cards
BE STAR LA SHOPPING
With the Star Card from BT you pay how you want, when you want, in over 40,000 partner stores. You have up to 18 interest-free installments and Star points for full payments. More budget for shopping, fewer worries.
You shop up to 18 installments without interest and without fees. You have up to 10% in Star points on full payments. You have credit on the card up to 5 times your income, maximum 25,000 lei. Collect Star points that you can use for future purchases. You have up to 55 grace days and zero interest on installment payment until the 25th. You need only 800 lei minimum income to be able to apply for the card.
Offer a Star card to someone dear
Life is easier when you share it with someone dear, and now you can also share the benefits of a shopping card.
Simple, fast and 100% digital.
STAR and BT Pay
Perfect mix
for shopping
You make StarStrong in maximum 10 minutes, you pay with it directly from BT Pay, you earn points Star and you benefit from interest-free installments. Everything is simple, safe, and handy, so that every shopping experience is worry-free. 🚀
SOLD. STAR POINTS. RATES.
You have all the information you need on your phone, in BT Pay.
REAL-TIME TRANSACTIONS
You pay with your phone or card and instantly see transactions in the app.
KEEP TRACK OF EXPENSES
Restaurant, transport or shopping. See all payments grouped by categories.
YOU MANAGE THE PAYMENT OF INSTALLMENTS
Automatic or manual. Manage the payment of installments in the Credit Info section.
YOU ARE SAFE
Your cards are always with you, in your phone. You block them, unblock them, change the limits and approve payments. No headaches.
SEE WHICH CREDIT CARD SUITS YOU
Shopping flexibility with Star Forte, premium benefits with Star Gold, or exclusive advantages with Star Platinum. Choose the credit card that best fits your wishlist.
YOU BUY FROM STAR STORE
40,000 partner stores where you can pay in installments or with points, online or in stores. Whether they are national or local stores, you will find all product categories in the Star network.
GRANTING CONDITIONS
Net minimum income of 800 lei Minimum seniority of 3 months at the current workplace Minimum age of 18 years No outstanding loans Romanian citizenship Credit limit up to 5x net income, maximum 25,000 lei
FAST HELP
You can benefit from interest-free installments exclusively in the extended network of Star Card partner merchants.
How do you find partners: The updated list with over 35,000 stores (electronics, fashion, tourism, health) is available on the website Star BT.
The grace period is the time interval (of up to 55 days) in which you can use the bank credit for purchases, and if you fully repay the spent amount, you do not pay any interest. ✨
What does it mean: If you pay the purchases from the current month by the due date (usually, in the following month), you are exempt from paying interest.
Attention: Installment payments to partners do not affect the grace period; the interest is zero anyway for them.
Well, you can use up to 1500 STAR points / transaction / day / cont. 😊
Of course, for every payment you make abroad you benefit from 0.1% points from the value of purchases. ✨
Yes. By BT Pay application you can see all transactions, available balance, you can activate or block the card, you can pay the installments and you can find Star Card partner merchants close to you.
In case of a return, the merchant issues a refund of the amount on card. The Star points accumulated for that transaction will be automatically cancelled upon processing the return.
There is no minimum amount imposed by the bank to make an installment payment at Star partners. The limit is only given by how much money you have left available on your credit card.
However, some partner merchants may set their own minimum amount for installment transactions. Always check the conditions in physical or online stores.
Yes, money can be withdrawn from the Star BT shopping card, but it is important to keep in mind commissions applicable. You can find them on the BT website, in the Star Cards Comparator section.
BT Star Card is primarily designed for shopping and installment payments, but also offers the flexibility to withdraw cash, with the costs mentioned above. You have a grace period of 55 days for both types of transactions: card purchases or cash withdrawals.
If you do not pay the full amount spent during the grace period, interest is applied to the remaining amount to be paid.
The standard interest rate is specified in BT commission grid (available on bancatransilvania.ro or at any branch).
It is recommended to pay at least the mandatory minimum amount by the due date to avoid penalties or card blocking.
No. Installment payments at Star Card partner merchants there is 0% interest and 0% commission, this being one of the great advantages of card. The cost is borne by the merchant, not by you.
For transactions carried out in a currency other than lei, a currency conversion fee applies.
The exchange rate used is that of the processing network (Visa/Mastercard) at the date of the transaction, to which is added the BT commission specified in the fee and commission brochure related to the Star card you pay with.
Replacement card (on request or in case of loss/theft) may involve a fee, according to the brochure of fees and commissions available on the website.
Check the updated cost in the "Credit Card Fee Schedule" available on the website.
For to applies for a Star BT credit card, you need the following documents:
- Identity card
- ANAF Agreement – from which your monthly income should result, the agreement that you must sign.
- It may be necessary for special categories to also require a salary certificate – but our colleagues will guide you. 🤗
It is not mandatory to be an existing BT client to apply.
You can become a client and request Star Card at the same time. It's very simple to do you make an account - directly from BT Pay or on the site.
Yes, sole proprietorships (PFA) and individuals with income from independent activities can apply.
The bank will request supporting documents (e.g.: the latest tax returns or bank statements) to assess the net monthly income.
The process may be slightly different from that for employees.
Can apply for Star Card if you are at least 18 years old and meet the other eligibility criteria (income, credit history).
Yes. BT checks the credit history in the Credit Bureau.
A negative history (arrears, non-performing loans) can affect the approval of the application.
A good credit score increases approval chances and can positively influence the granted limit.
Yes, it is possible to hold multiple credit products at BT, but each request is analyzed individually based on the total debt ratio, according to the NBR regulations.
If the application is rejected, you will receive a notification.
You can ask for feedback from the BT consultant and you can apply again after a period of time, once the situation that led to the rejection has changed (e.g., higher income, improved credit score).
To benefit from interest-free installments, all you have to do is mention at the physical locations of partner stores that you want to pay in installments or online select the payment solution specified on the page of each Star partner.
Online processing usually takes a few minutes if the documents are complete.
The physical card is delivered later at home by courier or can be picked up from a BT unit, depending on the chosen option. The card in digital format can be used after approval, in BT Pay. Total period from application until receipt card is generally 3-5 working days.
For the cards requested at a BT unit, the process takes approximately 3-5 business days.
PIN can be set or changed by:
- BT Pay Application
- Any BT ATM
- Calling BT customer relations service
Never communicate other people's PIN.
You can block the card instantly by:
- BT Pay Application – the option "Block card"
- Call to 0800 801 BT (0800 801 28) – available 24/7
- International Visa/Mastercard emergency service
After blocking, report the incident to the bank to initiate replacement card.
For closure credit card credit:
- Pay the full debit balance (including future installments in the balance, if applicable)
- Come in a BT unit and requests the termination of the contract in writing.
The card remains active until the closure is confirmed by the bank. You will receive a written confirmation.
Yes, you can discuss with a BT consultant about upgrade or conversion options for of the product.
If your needs have changed, BT can offer a solution of credit more suitable.
EXEMPLU
REPRESENTATIVE
FORTE
GOLD
PLATINUM
* APR calculated assuming full withdrawal of the credit line from the BT ATM or POS located at the BT counter after approval, with subsequent monthly payment of interest for the drawn credit.
APPLY FOR THE STAR CREDIT CARD
With the Star Forte shopping card, you have interest-free installments, worry-free shopping, and benefits with every payment. Complete the form and we will call you with all the details.
