{"id":868,"date":"2018-06-18T16:16:04","date_gmt":"2018-06-18T13:16:04","guid":{"rendered":"https:\/\/financer.ro\/?page_id=868"},"modified":"2024-05-10T13:08:47","modified_gmt":"2024-05-10T10:08:47","slug":"card-de-cumparaturi","status":"publish","type":"page","link":"https:\/\/financer.ro\/card-de-cumparaturi\/","title":{"rendered":"Card de cump\u0103r\u0103turi"},"content":{"rendered":"\n

G\u0103se\u0219te cel mai bun card de cump\u0103r\u0103turi<\/h2>\n\n\n
\n
\"card<\/figure><\/div>\n\n\n

Cau\u021bi cel mai bun card de cump\u0103r\u0103turi din Rom\u00e2nia?\u00a0<\/strong><\/p>\n\n\n\n

\u00cen tabelul de mai jos, echipa Financer a reu\u0219it s\u0103 adune \u00een acela\u0219i loc mare parte a cardurilor de cump\u0103r\u0103turi emise de c\u0103tre institu\u021biile financiare de la noi.<\/p>\n\n\n\n

Astfel dorim s\u0103 te ajut\u0103m s\u0103 compari ofertele cu care vin principalii eminten\u021bi \u0219i s\u0103 g\u0103se\u0219ti un card de credit pentru cump\u0103r\u0103turi adecvat nevoilor \u0219i cerin\u021belor tale<\/strong>.<\/p>\n\n\n\n

\u00cen acest scop, analiz\u0103m o serie de parametrii precum linie de \u00eemprumut, dob\u00e2nd\u0103, cashback, plus o serie \u00eentreag\u0103 de alte beneficii.<\/p>\n\n\n\n

Doar compar\u00e2nd aceste caracteristici po\u021bi fi sigur c\u0103 optezi pentru cel mai bun card de cump\u0103r\u0103turi 2023.<\/em><\/p>\n\n\n

Compar\u0103 carduri de cump\u0103r\u0103turi<\/h2>\nMai jos vei putea compara op\u021biunile pe care le ai atunci c\u00e2nd vrei s\u0103 aplici pentru un card de cump\u0103r\u0103turi 2022.
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\nDatele din tabel pot fi ordonate \u00een func\u021bie de parametrii care te intereseaz\u0103 - dob\u00e2nd\u0103, sum\u0103 maxim\u0103, perioad\u0103 creditat\u0103 etc. \u0219i sunt valabile pentru 20 aprilie 2022.<\/span>\n\n\n\n\n\t\n\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t
Emitent + nume card<\/th>Sum\u0103 maxim\u0103 (lei)<\/th>Dob\u00e2nd\u0103 anual\u0103 (%)<\/th>Perioad\u0103 gra\u021bie (zile)<\/th>Plan de rate (luni)<\/th>Cashback maxim (%)<\/th>Avantaje suplimentare<\/th>\n<\/tr>\n<\/thead>\n
AXI Card<\/a><\/td>3000<\/td>72<\/td>35<\/td>12<\/td>0<\/td>F\u0103r\u0103 costuri lunare fixe<\/td>\n<\/tr>\n
Libra Bank Enjoy<\/td>20000<\/td>12.25 + IRCC<\/td>56<\/td>12<\/td>6<\/td>Rate f\u0103r\u0103 dob\u00e2nd\u0103 la peste 200 parteneri<\/td>\n<\/tr>\n
BCR Standard<\/td>20000<\/td>28<\/td>55<\/td>12<\/td>15<\/td>Rate egale f\u0103r\u0103 dob\u00e2nd\u0103 oriunde \u00een lume<\/td>\n<\/tr>\n
BCR Gold<\/td>40000<\/td>28<\/td>55<\/td>12<\/td>15<\/td>Rate egale f\u0103r\u0103 dob\u00e2nd\u0103, asigurare c\u0103l\u0103torie, acces business lounge-uri<\/td>\n<\/tr>\n
UniCredit Principal<\/td>35000<\/td>24.99<\/td>50<\/td>24<\/td>1<\/td>12 rate f\u0103r\u0103 dob\u00e2nd\u0103<\/td>\n<\/tr>\n
UniCredit Premium<\/td>70000<\/td>24.99<\/td>56<\/td>24<\/td>2<\/td>12 rate f\u0103r\u0103 dob\u00e2nd\u0103, acces business lounge-uri<\/td>\n<\/tr>\n
Idea Bank Standard<\/td>40000<\/td>19<\/td>55<\/td>12<\/td>0<\/td>12 rate f\u0103r\u0103 dob\u00e2nd\u0103 oriunde \u00een lume + 2 % reducere a dob\u00e2nzii la \u00eencasarea salariului \u00een cont<\/td>\n<\/tr>\n
Idea Bank Gold<\/td>40000<\/td>18<\/td>55<\/td>12<\/td>0<\/td>12 rate f\u0103r\u0103 dob\u00e2nd\u0103 oriunde \u00een lume, 2 % reducere a dob\u00e2nzii la \u00eencasarea salariului \u00een cont<\/td>\n<\/tr>\n
Orange Money<\/td>60000<\/td>18<\/td>46<\/td>24<\/td>14<\/td>P\u00e2n\u0103 la 24 rate f\u0103r\u0103 dob\u00e2nd\u0103, 4 % cashback la plata facturii Orange cu cardul<\/td>\n<\/tr>\n
OTP Relaxat<\/td>15000<\/td>29<\/td>55<\/td>6<\/td>0<\/td>6 rate cu dob\u00e2nd\u0103 0 oriunde<\/td>\n<\/tr>\n
OTP Dual<\/td>30000<\/td>24.9<\/td>55<\/td>24<\/td>0<\/td>12 rate f\u0103r\u0103 dob\u00e2nd\u0103, taxe administrare 0 \u00een primul an<\/td>\n<\/tr>\n
OTP Transparent<\/td>18000<\/td>22<\/td>55<\/td>0<\/td>0<\/td>Taxe administrare 0 \u00een primul an<\/td>\n<\/tr>\n
OTP Gold<\/td>50000<\/td>22<\/td>55<\/td>24<\/td>0<\/td>Asigurare de c\u0103l\u0103torie, taxe administrare 0 \u00een primul an<\/td>\n<\/tr>\n
OTP Platinum<\/td>100000<\/td>24<\/td>55<\/td>24<\/td>0<\/td>Asigurare de c\u0103l\u0103torie, taxe administrare 0 \u00een primul an, acces lounge-uri business, reduceri parteneri<\/td>\n<\/tr>\n
CEC Bank Affinity<\/td>60000<\/td>11.42 + IRCC<\/td>59<\/td>24<\/td>0<\/td>24 rate f\u0103r\u0103 dob\u00e2nd\u0103 oriunde \u00een lume, banca doneaz\u0103 2 lei + 0.1 % din orice tranzac\u021bie c\u0103tre un ONG ales de tine<\/td>\n<\/tr>\n
CEC Bank Standard<\/td>60000<\/td>11.42 + IRCC<\/td>59<\/td>24<\/td>0<\/td>24 rate f\u0103r\u0103 dob\u00e2nd\u0103 oriunde \u00een lume<\/td>\n<\/tr>\n
CEC Bank Platinum<\/td>100000<\/td>11.42 + IRCC<\/td>59<\/td>24<\/td>0<\/td>24 rate f\u0103r\u0103 dob\u00e2nd\u0103 oriunde \u00een lume, asigur\u0103ri, acces \u00een lounge-uri business, servicii VIP la numero\u0219i parteneri<\/td>\n<\/tr>\n
First Bank Franklin<\/td>15000<\/td>18 + IRCC<\/td>60<\/td>12<\/td>0<\/td>P\u00e2n\u0103 la 12 rate f\u0103r\u0103 dob\u00e2d\u0103<\/td>\n<\/tr>\n
BRD Standard<\/td>25000<\/td>26<\/td>55<\/td>36<\/td>10<\/td>6 rate cu dob\u00e2nd\u0103 0, reduceri de p\u00e2n\u0103 la 20 % la magazine partenere<\/td>\n<\/tr>\n
BRD Gold<\/td>60000<\/td>25<\/td>55<\/td>36<\/td>10<\/td>reduceri de p\u00e2n\u0103 la 20 % la magazine partenere, asigurare de c\u0103l\u0103torie, acces lounge-uri<\/td>\n<\/tr>\n
BRD Platinum<\/td>115000<\/td>15<\/td>55<\/td>36<\/td>10<\/td>Asigur\u0103ri, inclusiv medicale, reduceri parteneri, acces lounge-uri VIP<\/td>\n<\/tr>\n
BT Star Forte<\/td>25000<\/td>24<\/td>56<\/td>18<\/td>15<\/td>18 rate f\u0103r\u0103 dob\u00e2nd\u0103 \u00een 19.000 magazine partenere<\/td>\n<\/tr>\n
BT Star Gold<\/td>50000<\/td>24<\/td>56<\/td>18<\/td>15<\/td>18 rate f\u0103r\u0103 dob\u00e2nd\u0103, asigurare de c\u0103l\u0103torie, acces \u00een lounge-uri business<\/td>\n<\/tr>\n
BT Star Platinum<\/td>150000<\/td>24<\/td>56<\/td>18<\/td>15<\/td>18 rate f\u0103r\u0103 dob\u00e2nd\u0103, asigurare de c\u0103l\u0103torie, acces \u00een lounge-uri VIP<\/td>\n<\/tr>\n
Raiffeisen Standard<\/td>30000<\/td>26<\/td>56<\/td>12<\/td>0<\/td>12 rate fixe f\u0103r\u0103 dob\u00e2nd\u0103<\/td>\n<\/tr>\n
Raiffeisen Gold<\/td>70000<\/td>26<\/td>56<\/td>12<\/td>1<\/td>12 rate fixe f\u0103r\u0103 dob\u00e2nd\u0103, asigur\u0103ri c\u0103l\u0103torie, acces business lounge-uri<\/td>\n<\/tr>\n
Raiffeisen World<\/td>120000<\/td>22<\/td>56<\/td>12<\/td>1<\/td>12 rate fixe f\u0103r\u0103 dob\u00e2nd\u0103, asigur\u0103ri c\u0103l\u0103torie, acces VIP lounge-uri<\/td>\n<\/tr>\n
Alpha Bank Credit<\/td>35000<\/td>21.95 + IRCC<\/td>55<\/td>12<\/td>5<\/td>P\u00e2n\u0103 la 12 rate f\u0103r\u0103 dob\u00e2nd\u0103<\/td>\n<\/tr>\n
Alpha Bank Gold<\/td>75000<\/td>21.95 + IRCC<\/td>55<\/td>12<\/td>5<\/td>P\u00e2n\u0103 la 12 rate f\u0103r\u0103 dob\u00e2nd\u0103, asigur\u0103ri de c\u0103l\u0103torie, acces lounge-uri<\/td>\n<\/tr>\n
ING Credit<\/td>35000<\/td>25<\/td>45<\/td>24<\/td>15<\/td>3 rate f\u0103r\u0103 dob\u00e2nd\u0103 oriunde \u00een lume, 24 rate f\u0103r\u0103 dob\u00e2nd\u0103 la magazine partenere<\/td>\n<\/tr>\n
Garanti Classic<\/td>9500<\/td>27.6<\/td>50<\/td>12<\/td>10<\/td>P\u00e2n\u0103 la 12 rate f\u0103r\u0103 dob\u00e2nd\u0103<\/td>\n<\/tr>\n
Garanti Gold<\/td>25000<\/td>27.6<\/td>50<\/td>12<\/td>10<\/td>P\u00e2n\u0103 la 12 rate f\u0103r\u0103 dob\u00e2nd\u0103, acces \u00een lounge-uri<\/td>\n<\/tr>\n
Garanti Platinum<\/td>100000<\/td>27.6<\/td>50<\/td>12<\/td>10<\/td>P\u00e2n\u0103 la 12 rate f\u0103r\u0103 dob\u00e2nd\u0103, acces \u00een lounge-uri VIP<\/td>\n<\/tr>\n
Credit Europe Avantaj<\/td>5367<\/td>28<\/td>45<\/td>24<\/td>3<\/td>P\u00e2n\u0103 la 24 rate f\u0103r\u0103 dob\u00e2nd\u0103 la magazine partenere, f\u0103r\u0103 comision administrare \u00een primul an<\/td>\n<\/tr>\n
Intensa San Paolo<\/td>5000<\/td>10.81<\/td>45<\/td>12<\/td>0<\/td>\u00cen loc de dob\u00e2nd\u0103 achi\u021bi o tax\u0103 lunar\u0103 de administrare de 25 Lei<\/td>\n<\/tr>\n
Vista Bank Credit<\/td>10000<\/td>12.8 + IRCC<\/td>50<\/td>12<\/td>0<\/td>Po\u021bi utiliza cardul la bancomatele Euronet f\u0103r\u0103 taxe suplimentare<\/td>\n<\/tr>\n
Vista Bank Platinum<\/td>25000<\/td>12 + IRCC<\/td>50<\/td>12<\/td>0<\/td>Asigurare de c\u0103l\u0103torie, acces \u00een lounge-uri business<\/td>\n<\/tr>\n
Banca Rom\u00e2neasc\u0103 Standard<\/td>20000<\/td>21.58 + IRCC<\/td>61<\/td>12<\/td>0<\/td>F\u0103r\u0103 comision anual dac\u0103 anul precedent ai f\u0103cut cump\u0103r\u0103turi de minim 12.000 lei<\/td>\n<\/tr>\n
Banca Rom\u00e2neasc\u0103 Gold<\/td>100000<\/td>21.58 + IRCC<\/td>61<\/td>12<\/td>0<\/td>P\u00e2n\u0103 la 12 rate f\u0103r\u0103 dob\u00e2nd\u0103, acces \u00een lounge-uri<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n

Tot ce trebuie s\u0103 \u0219tii despre un card de cump\u0103r\u0103turi<\/h2>\n\n\n\n

\u00cen continuare, ne-am g\u00e2ndit s\u0103 \u00ee\u021bi prezent\u0103m tot ce trebuie s\u0103 \u0219tii despre un card de cump\u0103r\u0103turi<\/strong> – de la ce este acesta, la cum func\u021bioneaz\u0103 \u0219i ce condi\u021bii trebuie s\u0103 \u00eendepline\u0219ti pentru a putea beneficia de avantajele cu care vine el.<\/p>\n\n\n\n

Iat\u0103, deci, ce vei putea citi \u00een r\u00e2ndurile care urmeaz\u0103:<\/em><\/p>\n\n\n

  1. Ce este un card de cump\u0103r\u0103turi<\/a><\/p>\n<\/li>

  2. Cum func\u021bioneaz\u0103 un astfel de produs<\/a><\/p>\n<\/li>

  3. Ce condi\u021bii trebuie respectate pentru a beneficia de un card de cump\u0103r\u0103turi<\/a><\/p>\n<\/li>

  4. Care sunt avantajele \u0219i dezavantajele produsului<\/a><\/p>\n<\/li><\/ol><\/div>\n\n\n

    Ce este un card de cump\u0103r\u0103turi<\/h2>\n\n\n\n

    La noi \u00een \u021bar\u0103, majoritatea persoanelor confund\u0103 termenul \u201ecard de credit<\/a>\u201d<\/em> cu \u201ecard de debit<\/a>\u201d<\/em>.<\/p>\n\n\n\n

    Astfel c\u0103 institu\u021biile financiare s-au g\u00e2ndit ca dreptunghiul acela din plastic prin intermediul c\u0103ruia se pot lua credite sau se pot achizi\u021biona articole s\u0103 se intituleze card de cump\u0103r\u0103turi.<\/strong><\/p>\n\n\n\n

    Dar mai exact, ce este cardul de cump\u0103r\u0103turi?<\/em><\/p>\n\n\n\n

    Ei bine, este un instrument de plat\u0103 prin care posesorul acestuia poate accesa o sum\u0103 de bani<\/strong>, limitat\u0103 de c\u0103tre institu\u021bia financiar\u0103 ce a emis plasticul respectiv.<\/p>\n\n\n\n

    Cardul poate fi folosit drept un instrument de plat\u0103 \u00een locul variantei cash<\/strong>, at\u00e2t pentru achizi\u021biile \u00een magazine dotate cu sistem POS, c\u00e2t \u0219i pe internet, pe site-uri de e-commerce.<\/p>\n\n\n\n

    Totodat\u0103, prin intermediul lui vei putea alege s\u0103 sco\u021bi bani cash de la un bancomat, opera\u021biune pentru care, de regul\u0103, se aplic\u0103 un comision.<\/p>\n\n\n\n

    Suma disponibil\u0103 prin linia de credit poate fi folosit\u0103 dup\u0103 bunul plac al titularului, singura condi\u021bie fiind ca banii s\u0103 fie returna\u021bi \u00eentr-o anumit\u0103 perioad\u0103 de timp<\/strong>.<\/p>\n\n\n\n

    Dar mai multe detalii despre func\u021bionarea acestui produs vei putea g\u0103si \u00een subtitlul urm\u0103tor.<\/p>\n\n\n

    <\/div>

    Primul card de credit oferit de un IFN<\/h3>

    AXI Card este primul IFN din \u021bara noastr\u0103 care are \u00een oferta de creditare un card de cump\u0103r\u0103turi. Deschide-\u021bi \u0219i tu o linie de credit \u0219i bucur\u0103-te de urm\u0103toarele avantaje:<\/p>\n