Visa Gold 

  • The Gold Card is not only about prestige, easy access to cash and cashless shopping worldwide. Due to the incorporated chip technology, the card now offers greater security and increased processing speed of transactions.
 

Features

 
     ACTIVATE 3D SECURE     
 

 

Card Type: Card with chip technology in lei issued under Visa logo

Area of utilization: National and International

Validity: 3 years

Access to the following available operations:

  • Payments in merchant outlets;
  • Online payments;
  • Millennium Bank ATM's:
    • Cash withdrawals;
    • Credit card repayment;
    • Balance Inquiry;
    • PIN change;

  • At other national and international ATM's:
    • Cash withdrawals;
    • Balance Inquiry;

Credit Limit: up to 30.000 lei (maximum 85% of the collateral deposit if there is the case)

Grace period: up to 55 days for merchant transactions

Minimum monthly repayment: 3% of the amount used plus due interest and fees

Insurance: free of charge travel insurance for the main card holder

Installment Plan: between 3 and 60 monthly instalments

Installment Plan with Zero Interest Rate: up to 12 monthly installments for transactions performed at any merchant in the world

Quick access: you can request the Instalment Plan and the Installment Plan with Zero Interest Rate through Millennium Bank Call Centre with no additional documents

 

You don’t have a Credit Card yet?  

Benefits

  • Installment Plan with Zero Interest Rate: for your significant purchases, we offer you the possibility to reimburse the amount used at the merchants in equal monthly payments, without interest or any other fees.

    All you need to do is contact Millennium Bank’s Call Center team within a month after having performed the transaction and request to reimburse the amount in maximum 12 months.

  • Security: card with chip technology that offers benefits of increased safety and additional advantages over magnetic stripe cards;

  • Accessibility: the credit card can be issued based on income analysis or on collateral deposit;

  • Credit limit up to RON 30.000 (maximum 85% of the collateral deposit if there is the case);
  • Up to 55 days grace period for payments to merchants;
  • Shopping at 0% commission within Romania;
  • Online payments under maximum security through 3D Secure;
  • Non stop access to the credit line world wide (ATM's and POS's under the VISA logo);
  • Access to Installment Plan options such as an easy and convenient way to pay large amounts without submitting a new application to the bank;
  • Discount Program: up to 30% discount at partner stores;
  • The Credit Card used limit can be repaid at any Millennium Bank ATM or through Internet Banking and Call Center;
  • The daily transactional limit at ATM's and POS's can be personalized using Internet Banking and Call Center or at any Millennium branch based on your personal needs;
  • Access to balance inquiries at any Millennium Bank ATM or through Internet Banking and Call Center;
  • Extra security through the PIN change option at our ATM's or through Internet Banking and Call Center;
  • Unlimited number of supplementary cards, issued free of charge, on the same credit limit or having personalized monthly   limit at your convenience;

  • Optional travel insurance.

 

Linked to a Credit Card you can benefit of additional products such as:

Required Documents

Fees & Commissions

  • Issuing fee: no fee
  • Annual fee: RON 150
  • Interest Rate Revolving Credit for cash transactions: 32% per year
  • Interest Rate Revolving Credit for merchant trandsactions: 28% per year
  • Interest Rate Instalment Plan: 24% per year
  • Other Fees and Commissions: according with the List of Fees and Commissions for Credit Cards
 

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