Credit Cards
Find here the answers you need on all your questions about credit cards.
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Questions and answers
Application
- What are the minimum conditions to be eligible for a credit card?
- Do I have to open a current account with Raiffeisen Romania to get a credit card?
- How do I apply for a credit card?
- What is my credit limit going to be?
- Why do I need to identify myself during the application process?
- Can I cancel the agreement if I change my mind?
Getting started
- When do I receive my credit card?
- When do I receive my PIN?
- I’ve been waiting for my credit card and it has not arrived – what should I do?
- My card has been sent to the wrong address – what should I do?
- I have received my card: what should I do now to use it?
- The credit card limit I have been given is less than the amount I want to transfer, what can I do?
Making payments
- Where can I pay with my credit card?
- How do I use my credit card to pay at a point of sale?
- How do I use my credit card to pay online?
- What are “contactless payments”?
- How do contactless payments work?
- How do I use my credit card to make contactless payments at a point of sale?
- What are the transaction costs for making payments at points of sales?
- What are the transaction costs for making online payments?
- Are different transaction fees applied when I use my credit card abroad?
- What are the daily and monthly limits for EFTPOS transactions?
- Can I change limitations on EFTPOS transactions?
- How can I use my credit card without paying any interest?
- How to use my credit card safely when making online payments?
Using ATMs
- My card appears to be blocked. What do I need to do?
- The ATM is not giving me my card back. What do I need to do?
- Why doesn’t the ATM give me the amount I asked for?
- How much cash can I withdraw from an ATM with my credit card?
- What are the daily and monthly limits for ATM transactions?
- I change limitations on cash withdrawals at ATM’s?
- What are the transaction costs for withdrawing cash at ATM’s?
- Are different transaction fees applied when I use my credit card abroad?
- How to use my credit card safely at ATM’s?
Want to know more about our ATMs features?
With our classic ATMs and advanced multifunctional ATMs, a wide range of banking transactions can be carried out flexibly and at any time.
Card management
- My card got lost / stolen. What can I do?
- How can I manage my credit card?
- How and when do I receive the activity report / credit card statement of my credit card transactions?
- How to read the activity report / credit card statement to understand exactly what it means?
- What are the daily and monthly limits for ATM transactions?
- Can I change limitations on cash withdrawals at ATM’s?
- What are the daily and monthly limits for EFTPOS transactions?
- Can I change limitations on EFTPOS transactions?
- Can I change limitations on cash withdrawals at ATM’s?
- What are the daily and monthly limits for EFTPOS transactions?
- Can I change limitations on EFTPOS transactions?
- How do I view my PIN?
- How do I reset my PIN if it has been blocked?
- How do I change my PIN?
Credit Card Calendars 2023
Directly import statement and due dates into your calendar onyour desktop or mobile phone.
Terminating your contract
Rates, fees and repayment
- Is there an annual basic fee for the use of the credit card?
- How does credit card interests work?
- How are transactions divided into instalments?
- What are the transaction costs for making payments at points of sales?
- What are the transaction costs for making online payments?
- What are the transaction costs for withdrawing cash at ATMs?
- Are different transaction fees applied when I use my credit card abroad?
- How much is the monthly payment amount?
- When is the payment amount due?
- What payment methods are available to settle my expenses?
- What happens If I do not pay on time?
- What is a “direct debit”?
- How can I make use of a direct debit?
Safety
- What is the “3D secure protection”?
- How does 3D secure protection work?
- How can I activate 3D secure protection?
- How to pay with 3D secure protection at a point of sale?
- How to keep my credit cards password safe?
- How to use my credit card safely at points of sales?
- How to use my credit card safely when making online payments?
- How to use my credit card safely at ATMs?
General advice
- Where can I find out about Raiffeisen Romania’s credit cards offering?
- What is a credit card and how does it work?
- What is the difference between a debit card and a credit card?
- How to choose the right credit card?
- How to use a credit card wisely?
- How to avoid costs when using my credit card abroad?
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