Beneficii
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  • Up to 24 instalments with zero interest rates at any store in the world
  • Zero fees at any shop home and abroad and a grace period for up to 59 days
  • Flexible repayments: you can choose to repay only 2.5% of the owed amount, or more. You have 0% interest rate when you fully repay the amount owned up until the monthly due date
  • Up to 4 extra cards attached to your account
  • Safe online shopping with the 3DSecure technology
  • Contactless payments
  • Special prices at CEC Bank partners.
  • Free access to the transaction’s limits and safety settings via Internet Banking and Mobile Banking
  • You can pay with your phone or your watch using CECPay (Android) or Apple Pay (iOS).

Buy now and pay later. With CEC Bank you can have good interest rates and up to 24 instalments with zero interest rates at any store in the world.

 

Credit cards with variable interest
0
%
Interest *:
First Rate:
DAE:
-
IRCC:
-
Monthly Administrative Commission:
-
Analysis commission:
-
Total refund:
-
Credit cards with fixed interest
0
%
Interest*:
First Rate:
DAE:
-
Month Administrative Commission:
-
Analysis commission:
-
Total rambursare:
-

* Formată din marja fixă + IRCC

La solicitarea clienților, Banca poate acorda în euro numai în instutuția în care acestia și dovedesc obținerea veniturilor în euro.

În cont sun încasate venituri recurente și contul este utilizat pentru plăți sau transferuri, altele decăt transferuri între conturi prorii/debitare rate/debitare comisioane.
Venit recurent înseamnă venitul (ex. salariul, pensie, chirie etc.) Încasat lunar în cont, cel puțin 3 luni consecutiv, în valoare de minim 70 lei/luna/cont. Nu se considera venit recurent încasarile provenite din jocurile de noroc.

Description

Characteristics

img1

MasterCard credit card

Buy now and pay later. More than that, if you apply for a Mastercard credit card you will get 50% off Internet Banking - CECOnline and Phone Banking - TeleCEC

Currency: LEI

The maximum amount you can get is: 60.000 lei

Grace period: up to 59 days

Monthly instalments without interest rate: up to 24

Interest rate: 13,83% (IRCC+11,42%)

Minimum repayment amount: 2,5% off owned amount

Zero fees for analysis/issuing/administration

Zero fees for online payments or at the sellers

Withdrawal fees at CEC Bank's ATMS or EPOS: 0,1% plus 3 lei

img 2

Visa Platinum credit card

Get access to premium services: Concierge, Business Lounge access in international airports, full travel insurance package.
Digital signature at a special price. More info here:

Currency: LEI

The maximum amount you can get is: 100.000 lei

Grace period: up to 59 days

Monthly instalments without interest rate: up to 24

Interest rate: 13,83% (IRCC+11,42%)

Minimum repayment amount: 2,5% off owned amount

Zero fees for analysis/ /administration

Zero fees for online payments or at the sellers

Issuing fee: 15 lei

Withdrawal fees at CEC Bank's ATMS or EPOS: 0,1% plus 3 lei

img 3

Visa Affinity shopping card

With the Visa Affinity shopping card, you can enjoy every purchase while passing it forward: for each of your payment, CEC Bank donates 0.1% of the amount for financing an NGO of your choosing. More than that you can donate monthly 2,4 or 10 lei monthly.

Currency: LEI

The maximum amount you can get is: 60.000 lei

Grace period: up to 59 days

Monthly instalments without interest rate: up to 24

Interest rate: 13,83% (IRCC+11,42%)

Minimum repayment amount: 2,5% off owned amount

Zero fees for analysis/issuing/administration

Withdrawal fees at CEC Bank's ATMS or EPOS: 0,1% plus 3 lei

 

You can activate payment by monthly instalments whether by a written notice at the bank or by using the cards assistance centre by calling the phone number printed on the back of your card.

 

After activating the service, any transaction over 100lei will be split in an equal amount of monthly instalments corresponding with the below limits:

  • 3 equal monthly instalments for transactions bigger than 100 lei and no more than 300 lei
  • 6 equal monthly instalments for transactions between 300,01 and 600 lei
  • 9 equal monthly instalments for transactions between 600,01 and 1200 lei
  • 12 equal monthly instalments for transactions between 1.200,01 and 1.800 lei
  • 18 equal monthly instalments for transactions between 1.800,01 and 2.400 lei
  • 24 equal monthly instalments for transactions bigger than 2400 lei

If you don't want that one or more payments to be reimbursed by monthly instalments you can opt out in the first 24 hours by calling the phone number printed on the back of the card.

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