Shopping in your style
Credit Card
Worry-free shopping, interest-free installments at partner stores or through the Anywhere Installments program.
How do you apply
for card
Direct in partner magazines. If you have the income reported to ANAF, it is enough to have only the original identity document with you.
0% interest
You pay interest-free in partner stores (if you return the full amount within the grace period of up to 55 days).
Everything in real time
You make payments with your phone to merchants, check your balance, and manage your card easily from the BT Pay app.
Safe payments
Confirm payments simply and intuitively directly from your phone using face ID, fingerprint or another unlocking method of your phone.
SMS Alert
You receive an SMS after each transaction and find out the updated available amount. The first 3 months are free, then the cost will be 5 lei/month.
Cash withdrawals
You can withdraw money from any ATM, and if you want to find out the cost, you send an SMS to 3750 with the amount you wish to withdraw and the number of days you will return the money.
Rate Anywhere
You can turn into installments (from 3 to 36) any purchases over 500 lei.
You buy at least 500 lei, with full payment
We are sending you an SMS to inform you that you can convert the amount paid into 3 interest-free installments or 4–36 easy installments, with only 1.25% interest per month
You have 3 days from receiving the SMS to decide if you want to choose installment payment and to respond to the received SMS
You have control, directly from BT Pay
All your cards directly on your phone, always at hand, just a tap away. You pay quickly, wherever you are.
You download the app from the App Store or Google Play
AddDirect Cardin the section “Add a BT card”
You complete with your card details and confirm with the code received by SMS
You make payments directly with your phone
Just unlock and pay, you will no longer need to enter a PIN on the POS.
You can find details about the card's dates
The card number, the CVV code and the expiration date, everything you need for fast and secure online payments, directly in the app.
You confirm online payments
Activate online payment approval and quickly confirm each transaction with biometric data or the phone unlocking method.
You check the transactions quickly
You check the balance of your cards and see the details of the transactions made with the card. If you have a Garmin or Fitbit device, you can enroll the Direct Card in the payment applications.
Conditions for granting & payment methods
Minimum income of 1,000 lei.
The minimum age of 18 years
Salaries, pensions or other types of stable income for at least 3 months
Frequently asked questions
Yes, you can refinance any loan or credit card you hold, through Direct Cardor through credit, provided that supporting documents are presented.
Through the program of Rate Anywhere, you can convert into installments (from 3 to 36), any purchase over 500 lei. At the time of full payment that exceeds this amount, we will send you an SMS informing you that you can convert the paid amount into 3 Rates without Interest or in 4–36 Easy Installments, with only 1.25% interest per month.
You have 3 days from receiving the SMS to decide if you want to convert the transaction into installments and to respond to the received SMS. In the next statement, you will see the cancellation of the transaction with full payment and the first installment of the purchase made.
Everything from the app, in real time
Scan the QR code and download the BT Pay application.