OTP Bank Instalment credit card without interest

OTP Bank Instalment credit card without interest

Do you dream of relaxing in an exotic vacation or want to redecorate your house? Or maybe you want to make a gift to your loved ones to show them how much they mean to you? Stop hesitating and discover the advantages of an instalment shopping card without interest from OTP Bank.

You benefit from 6 instalments without interest and 0% fee for online stores or POS with Mastercard or VISA logo.

You can get a credit limit of up to 15.000 lei 

You have 6 monthly instalments, without interest 

Rapid issue within 4 days

What are the benefits of your instalment credit card without interest?

  • You can get a credit limit of up to 15.000 lei;

  • You have 6 monthly instalments, without interest for shoppings, anywhere in the world, regardless their value;

  • Rapid issue within 4 days of the date of submission of complete and accurate documentation;

  • You can use your card anywhere in Romania or abroad, to millions of locations that accept VISA or Mastercard;

  • You receive an SMS alert with the OTPdirekt service every time your card is used to make payments to merchants, cash withdrawals, but also when the entered PIN is incorrect or there are insufficient funds;

  • Receive a free SMS with the due amount when issuing the account statement. Also, three days before the due date you receive an information message so that you can pay in due time the due amounts;

  • Buy and pay safely from any online platform with 3D Secure technology.

Steps to obtaining an instalment credit card from OTP Bank

All you need is your original Identity Card.

We are waiting for you at your nearest OTP Bank Branch in your city to fill in your credit card application.

The income certificate is required only if you have not reached 6 months with the current employer.

Reimbursement of the credit limit

  • Using OTPdirekt service
  • Cash deposits at the OTP Bank ATMs
  • Interbank payment order from the accounts opened at
  • Cash deposits at any OTP Bank branch

The credit limit on the card is revolving, thus the reimbursed amounts are again available on your account.

Informative calculation model

Here's a representative example of calculating an instalment credit card:

DEE (effective annual interest) 37.37% p.y. was calculated on the assumption that the amount of 5.367 lei was granted for two years, used immediately at the beginning of the contract and repaid in 24 equal monthly payments, considering the applied annual interest rate of 29%, fixed rate.

How can you request the card?

Request Call Back

Request Call Back
and we will contact you in the shortest possible time.

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Visit our OTP Bank Branch and
let's talk about the most appropriate option.

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Frequently asked questions

Your card is automatically enrolled in the 3D Secure system so that you can enjoy safe transactions.

Learn more about 3D Secure here.

Yes, you can request a maximum of 2 additional credit cards within the same credit limit.

The shopping card is a payment instrument that has attached a credit limit in LEI provided by the bank based on the net monthly income. An advantage of the shopping card is the ability to shop on 0% interest either through the instalment schedule or through the grace period.

Account overdraft (also called overdraft) is an account facility provided by the bank based on the salary earned on that account and can be up to 6 net salaries. Overdraft may be given in LEI. In the case of overdraft, you can attach a debit card to your account with which you can make payments and cash withdrawals with the fees and charges associated with the card. For these transactions, for account overdraft, you only need to pay monthly the related interest.

If you use the card in another currency, depending on the currency in which it is issued, a currency conversion is made as follows:

  1. For transactions made in the currency of the account, the Bank will debit from the account the amount of transactions made in the currency of the account;
  2. For transactions made in Romania in currency other than the currency of the account, the Bank will debit the account using LEI as the reference currency. The currency exchange will be made at the rate displayed on the Bank’s website and territorial branches;
  3. For transactions made abroad with the Card, the Bank will debit the account using EUR as reference currency, as follows:
    1. The currency exchange between the currency in which the transaction is made and the EUR reference currency is made by the International Mastercard / VISA Card Organization at its rate or from the Settlement Date;
    2. For debiting the LEI account, the Bank uses the Bank's Reference Exchange rate from the transaction settlement day, published on the Bank's website.

Yes. If you wish to use the card issued by OTP Bank Romania at OTP Group ATMs abroad, you will be charged a cash withdrawal fee of only 3.5 LEI/ EUR 1 per transaction.

OTP Group member banks in Europe can be located in countries such as: Hungary, Slovakia, Croatia, Bulgaria, Romania, Ukraine, Serbia and Russia.

Yes, you can make payments with your card once you have selected "Internet payments" upon requesting the card, later via OTPdirekt or at the branch.

The transaction list and account balance of your shopping card are available on the billing statement you receive monthly through OTPdirekt or by email. At the same time, you can find out the balance of the card account at OTP Bank ATMs, where you can also get a list of the last 5 transactions made.

Yes, this card can be used in Romania. When you use it at an ATM, you will be able to withdraw cash in LEI.

Yes, you can use that card abroad for cash withdrawal. In this case, you will receive the currency of the country you are in.

Transaction limits are daily or monthly limits set for your card or subcard issued to your account. They have default values set upon issue, but they can be changed upon request, either through OTPdirekt or at the branch.

The people authorized to sign the income certificate are: the Managing Director, Financial Director, Human Resources Director, Payroll Officer, Accounting Director. It is necessary to fill in the exact position of the person with the right to sign on the certificate.

The OTP-MOL co-brand card is a shopping card that can be used with any merchant in the country or abroad. The advantage of this card is getting double points when it is used at MOL gas stations around the country.

For Multibonus cards, assistance is provided exclusively by MOL Romania through their Customer Service (021) 204.85.26 or 0800 800665 (non-stop).

For OTP-MOL credit cards, please contact OTP Bank "Call Center": 0800 88 22 88 (08:30 a.m. - 09:00 p.m., free from any fixed or mobile network in Romania) - free or OTPBank "Card Services" (021) 308.57.11 (non-stop).

Yes. All cards issued by OTP Bank Romania can be used abroad, regardless of whether they are issued in LEI or in EURO.

People who are under the age of 18 can get a Junior Plus debit card attached to a Junior Plus account. In order to apply for this card, it is necessary for the applicant to go with their parents to an OTP Bank branch and with the ID card.

The grace period applicable to shopping cards means the maximum number of days that no interest is charged for transactions. For example, the 55 days grace period applies to shopping done on the 1st day of the month until the 25th of the following month, which means that you can reimburse the entire amount used for shopping without paying interest until the 25th (next month).

If you are no longer in possession of your card, you need to block the access to your account amounts. You can do this directly from the SmartBank application or by calling 0800 88 22 88 (free from any fixed or mobile network in Romania) or +40 21 308 57 11 (also available from abroad).