Star credit cards
BE STAR AT SHOPPING
With the BT Star Card, you pay however you want, whenever you want, in over 50,000 partner stores. You have up to 18 interest-free installments and Star points on full payments. More shopping budget, 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 your 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 the installment payment until the 25th.
- You only need a minimum income of 800 lei 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
The perfect mix
for shopping
You make yourself StarStrong in a maximum of 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. RATE.
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 the transactions in the app.
KEEPING TRACK OF EXPENSES
Restaurant, transport or shopping. See all payments grouped by categories.
YOU MANAGE THE PAYMENT OF INSTALLMENTS
Automatic or manual. You 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 limits and approve payments. No hassles.
SEE WHAT CREDIT CARD SUITS YOU
Flexibility in shopping with Star Forte, premium benefits with Star Gold, or exclusive advantages Star Platinum. Choose the credit card that best suits your wishlist.
BUY FROM MAGAZINE STAR
50,000 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.
GRANT 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
QUICK HELP
You can benefit from interest-free installments exclusively in the wide network of Star Card partner merchants.
How do you find partners: Updated list with over 50,000 stores (electronics, fashion, tourism, health) is available on the website Star BT.
Grace period is the time interval (up to 55 days) in which you can use the bank credit for shopping, and if you pay back the entire amount spent, 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; for them, the interest is zero anyway.
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 of the purchase value. ✨
Yes, generally the points Star can be used independently of the discounts merchants'. Due payment with Star Card points are accumulated, regardless of whether there is an active promotion at that merchant. Always check the conditions of the respective promotion for details.
Yes. Through BT Pay application you can see all transactions, the available balance, you can activate or block the card, you can pay the installments and you can find Star Card partner merchantsclose to you.
In case of a return, the merchantissues a refund of the amount on card. The Star Points accumulated for that transaction will be automatically canceled upon processing the return.
There is no minimum amount imposed by the bank to make an installment payment at Star partners. The limit is given only by how much money you have 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 commissionsapplicable. You can find them on the BT website, in the Star Card Comparator section.
The Star BT card is mainly designed for shopping and installment payments, but it 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 within the grace period, interest will be 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 at maturity 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 of the card. The cost is borne by the merchant, not by you.
For transactions made in a currency other than lei, a currency conversion fee applies.
The exchange rate used is that of the processing network (Visa/Mastercard) on the transaction date, to which the BT commission specified in the fee and commission brochure related to the Star card you are paying with is added.
Replacement of the card (on request or in case of loss/theft) may involve a fee, according to the fee and commission brochure available on the website.
Check the updated cost in the "Credit Card Fee Grid" available on the website.
For apply for a Star BT credit card, you need the following documents:
- Identity card
- ANAF Agreement – from which your monthly income should result, an agreement which 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 is very simple to do you make an account - direct from BT Pay or on the website.
Yes, sole proprietorships and individuals with income from independent activities can apply.
The bank will request supporting documents (e.g., the latest tax returns or account statements) to assess the monthly net income.
The process can be slightly different from that for employees.
You 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 at the Credit Bureau.
A negative history (arrears, non-performing loans) can affect the approval of the application.
A good credit score increases the chances of approval and can positively influence the granted limit.
Yes, it is possible to hold multiple credit products at BT, but each request is analyzed individually according to the total degree of indebtedness, in accordance with BNR 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 each Star partner's page.
Online processing usually takes a few minutes if the documents are complete.
The physical card is delivered later to the home via courier or can be picked up from a BT unit, depending on the chosen option. The digital format card can be used after approval, in BT Pay. Total period from application until receipt of the card is, in general, 3-5 working days.
For the cards requested at a BT unit, the process takes approximately 3-5 working days.
The PIN can be set or changed by:
- BT Pay Application
- Any BT ATM
- Calling the BT customer relations service
Never share other people's PINs.
You can request a credit limit increase after a period of active and responsible use of of the card (as a rule, minimum 6 months). The request can be made:
Approval depends on the reassessment of income and the level of indebtedness at that moment.
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 emergency service Visa/Mastercard
After blocking, report the incident to the bank to initiate the replacement of the 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 talk to 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 under the assumption of full withdrawal of the line of credit from the BT ATM or POS located at the BT counter after granting, with subsequent monthly payment of interest for the committed 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. Fill out the form and we will call you with all the details.
