For you, our “gold” client, we have created the STAR Gold credit card with attached services. This is a VISA card that can be used for shopping or other transactions at retailers and ATMs in the country and abroad, irrespective of where you choose to spend your time or travel.
You can use it pretty much everywhere: this is “smart card” thanks to the integrated CIP technology, replacing the magnetic band.
In order for you to enjoy everything the Star Gold card has to offer, here is a list of benefits and advantages attached to this card:
you can borrow up to 5 times your monthly income
you repay between the 1st and 25th day of the month at least 10% of the loan amount
the loan is granted for a period of 5 years and this maturity can be automatically extended
the interest rate is 24%/ year
your dear ones can have access to your card account, by having additional cards issued for your spouse or full-aged children
With Star Gold you win every time you go shopping in the country or abroad. Any payment with Star Gold brings Star points depending on the shopping amount, points that turn into money that you can then use as you please. More shopping, more Star points and so on!
STAR points are awarded for*:
up to 15% of the shopping amount, in case of transactions with the partner retailers enrolled in STAR program (www.starbt.ro)
0.3% of the amount of the purchases in the country, both at STAR partner retailers and other retailers.
0.1% of your purchases abroad
Each Star point has a value of RON 1, and the amount that you collect this way can be spent at your discretion, in the partner shops enrolled in this program.
Additionally, you can enjoy installment purchases: up to 12 interest-free and free-of-charge INSTALLMENTS at partner retailers via the Star program.
* In order to enjoy these advantages have your payment processed at a POS terminal of Banca Transilvania
When you pick up your Star Gold card from BT you must pay RON 100, the card issue fee. RON 200/year - account management fee Transactions with this card are also charged, as follows:
1% (minimum RON 2.5) for cash withdrawals from BT ATMs and POSs.
1% + RON 2.5, fee for the use of ATMs and POS terminals of other banks in the country
2% + RON 10, fee for the use of ATMs and POS terminals of other banks abroad
RON 2 - balance inquiry fee at the ATMs/POS terminals of other banks in the country
RON 4 - balance inquiry fee at the ATMs/POS terminals of other banks abroad
The effective annual interest rate (EAR) calculated for a loan in amount de RON 30,000, with the previously mentioned interest rate and for a period of 5 years is 27.29%/year. The EAR has been calculated based on the assumption that you withdraw the entire credit line of RON 30,000 from Banca Transilvania’s ATM after the granting thereof, and subsequently pays the interest on a monthly basis for the entire committed loan amount. The total cost of loan is RON 36,799. This cost represents the total yearly interest and costs for the use of the credit card as a payment instrument.
You can easily obtain your Star Gold card, if you meet the following requirements:
minimum income RON 4,500
no overdue loans
Age between 18 and 65
Online - Leave your personal details here and we shall contact you as soon as possible.
Over the phone - if you have better access to you phone than to your PC or laptop, please call us at any of the phone numbers below. Our Call Center colleagues are happy to help you.
0264 594 337 - for mobile networks or from abroad
0800 80 CARD (2273)- from any national landline or mobile network