Of the more than half a million credit cards issued by Banca Transilvania, approximately 100,000 are enrolled in BT Pay or Apple Pay for mobile payments. Today, a BT credit card is not just another card in your wallet; it also delivers a personalised experience and self-service banking thanks to digital cards. 1 in 6 credit cards issued in Romania is from Banca Transilvania.

BT customers are using their credit cards more and more:

• Number of credit card transactions up 30% in the first nine months of this year versus the same period in 2018.
• Over 70% of all card payments are contactless.
• 22% of BT mobile payments are made with a credit card.
• Over 90% of BT credit card transactions are purchases, mainly groceries and household items, fuel, electronics and clothing.
• BT’s credit card portfolio includes shopping cards (STAR Card) and travel cards (BT Flying Blue) which, besides the credit facility, offer STAR loyalty points or Flying Blue Miles, as well as the possibility to pay in interest-free instalments.

BT customers with credit cards enrolled in the BT Pay app can pay by phone, send or receive money, check their account balance at any time, as well as their STAR loyalty points. What’s more, cards can be managed easily in the app: paying the monthly card bill, setting transaction limits and, if needed, blocking the card.

“We pay close attention both to the benefits and to the digital experience our credit cards provide. Loyalty is always part of the picture. For example, with STAR cards, purchases always work in our customers’ favour: they either receive a percentage of the amount spent, credited to the card as STAR points when they shop at one of the 12,000 partners in the STAR programme, or they can shop in interest-free instalments, repaying the amount over up to 24 months. Our customers have received over RON 13 million in STAR points this year — points they can use for further purchases.” - said Oana Ilaş, Executive Director, Retail Product Development and Management, Banca Transilvania.

Digital banking & credit cards

Today, BT credit cards also come in digital versions for paying with your mobile phone and other payment accessories (watch, bracelet or sticker), offer personalised information, self-service and online chatbot support.

Customers of Banca Transilvania can manage their cards non-stop and free of charge via the BT24 Internet Banking and Mobile Banking apps, BT Pay, and BT Visual Help — launched recently in partnership with the international FinTech CallVU. NEO BT, the new Internet Banking and Mobile Banking version that integrates artificial intelligence, available during this period as a private beta, will offer revolutionary features for BT customers, such as analysis of money-management behaviour.

Banca Transilvania also has a chatbot to help customers manage their cards as well as possible, Livia from BT, by phone (0264 308 028 or *8028), Facebook Messenger and Skype. The bot provided over 250,000 answers per month online in January–September this year. Customers can also learn about cards via the financial education platform Ask BT, which contains answers to almost 1,000 questions about services, products, transactions and how to proceed in certain situations in their relationship with the bank.