Alico Credit Card

Characteristics:

RON credit card for individuals
Domestic and international use (the currency exchange is done automatically when paying abroad)
The credit limit is set by the bank for each user, between 700 and 20,000 lei
Minimum monthly repayment: 5% of used credit
Monthly spending limit: 100% of the credit limit for card payments at merchant locations, 40% for cash withdrawals
Daily transaction limit for cash: 3,000 Lei
No need for guarantors, insurance or any other kind of guarantee.
Flexible reimbursements:
- minimum 5% of the credit line used, plus any installment with low interest payment
- options for the generation of the statement: 7, 15 or 22 of the month
- multiple repayment methods: cash deposit or transfer into the special account for reimbursements or direct debit from any current account opened at Raiffeisen Bank.

Advantages:

You have access to the credit line for an unlimited period of time: the bank gives you a credit line to which you have access, from Romania or from abroad, by paying at merchants or by making ATM and bank counter withdrawals 24/7. You decide when to use the credit line, depending on your needs at that moment.
0% interest up to 56 days: for payments you make with your Raiffeisen Bank credit card you have a grace period of up to 56 days during which you pay no interest if the balances is reimbursed in full until the due date. Even more: your transaction commission for paying at merchant locations is 0.
Multishop Program:
- Fixed annuities with 0% interest: available for any purchases made to the partners of Raiffeisen Bank (various fields: fashion, accessories, jewelry, travel, electronics, IT, etc.);
- Bonus for shopping: Guaranteed discounts through MultiShop Program at the partners of Raiffeisen Bank; Loyalty points awarded between 2-15% of the shopping value; Points represent money: 1 point = 1 Leu.
- Partners of Raiffeisen Bank: http://carddecredit.ro/multishop/parteneri/
Fixed annuities with low interest: Payment in installments with monthly fixed annuities (6, 12, 18, 24 or 36 annuities ) for shopping more than 300 lei.
Up to 4 supplementary cards attached to the credit account.
Protection of refunds (for death and Unemployment) – an optional insurance automatically attached to the card at the moment of issuing, with 3 months grace period for the payment of the insurance premium.
You benefit from a free special insurance for death and Unemployment: one salary paid for the event and up to 6 months payments to mandatory private pension fund.

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