Gold credit card
It harmoniously combines the benefits of a debit Ā and Ā credit card, having Ā access to a reserve of money that you can use at will!
MDL 500,000
60 days
15%, fixed
60 months
interest rate
15.29%
One-time granting fee
Monthly administration fee
Purchase commission
Early repayment fee
Why to choose the Gold credit card?
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the card provides access to a reusable credit line;
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more freedom for daily or unplanned purchases, both in the country and abroad;
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0% commission fee for opening and servicing the Visa Gold or Mastercard Gold card;
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a grace period of 60 days, during which NO interest shall be paid.
Advantages of the card
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Advantageous ā discounts of up to 15% with Discount Club.
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Comfortable ā payment or transfer with the card takes only 6 seconds.
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Secure ā card protection is ensured due to the international standard 3D Secure.
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Accessible ā remote service, for checking and managing money.
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Fast ā you get the Instant card in just 3 minutes.
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Various information ā by Push notification, e-mail statement, Mobile MICB, SMS notifications.
How to benefit from a credit limit card
Fill out the form.
Online or come to the nearest branch.
Await the approval.
If you submitted online, you will receive the answer by SMS.
Ā
Take your card.
Pick it up at the branch or we deliver it to your home.
Resident of the Republic of Moldova: a citizen of the Republic of Moldova, a foreign citizen or a person without citizenship (stateless person), with permanent residence in the Republic of Moldova, who has an appropriate identity card, issued by the competent authorities of the Republic of Moldova, which is valid at the time of applying for a loan.
Age between 20 and 70 years (the age up to which the loan can be repaid).
Employed for a period of at least 6 months; at the current place of work ā at least 4 months.
Owning real estate (residential, construction or agricultural land, gardens), without prohibitions (if the credit amount is larger than MDL 100,000).
Individual without a negative credit history.
Credit cards are issued to individuals and are intended for:
payment of products, services and any other current needs that are not contrary to the legislation in force;
refinancing the loan granted by other banks and/or other non-bank credit organizations from the Republic of Moldova.
Valid identity card.
No supporting documents are required for persons working in institutions that submit income information to the State Tax Service.
For individuals working in institutions that are not required to submit information to the State Tax Service:
Statement from the salary project account (issued by any bank in the Republic of Moldova).
Other documents from official sources held by the public authorities, money transfers that can be confirmed by documents, etc.
Pensioner’s identity card, with the mandatory indication of the current pension or the statement from the account to which the pension is transferred.
Declaration confirming the income obtained from licensed/authorized activities ā for bailiffs, lawyers, notaries, interpreters and authorized translators, including the statement of account for the last 6 months.
Other documents, depending on the situation.
The deposits of individuals and legal entities are guaranteed up to the coverage level of MDL 100,000.
More details: https://fgdsb.md/
We offer favorable conditions for credit cards
Representative example: For a line of credit for MDL 50,000, granted for a period of 60 months, the annual interest rate (fixed) is 15.0%. The maximum monthly payment is MDL 2,500 and the maximum possible monthly interest rate is MDL 636.99. In total, the maximum possible monthly payment is MDL 3,136.99, the EAR – 15.25%, and the total amount payable (amount of the loan + all related costs) is MDL 79,974.18.
Please note that by taking a loan you are responsible for its repayment. We therefore recommend checking your ability to pay. Manage your money carefully. Make sure you repay your loan on time.
FAQ:
Bankcards are divided into credit and debit cards, depending on the (own or borrowed) funds used by the customer to make transactions. When making transactions with a debit card, it is initially necessary to deposit own money on this card account . When making credit card transactions, funds borrowed from the Bank are used.
Credit limit cards work as a debit card, but you have a spare wallet, access to a credit limit that allows you to make the purchases you want.
The credit limit is the amount within which the Bank is ready to issue you a loan. The revolving credit limit gives you flexibility to use any amount of money at any time, up to the maximum approved limit.
It is provided to pay for goods or services, to withdraw cash, as well as, to make card-to-card money transfers.
Revolving credit line ā after you have partially or fully repaid the borrowed amount, you can use it again during the active period of the credit.
Payment is made by topping up the card account, in several ways:
- by depositing cash at any branch of the Bank;
- by depositing cash at any MICB ATM with the Cash-In function;
- by making the P2P transfer;
- by transfer between accounts, using the MICB Web Banking/MICB Mobile Banking application.
The debtor is entitled to repay the loan in advance in whole or in part, at any time, without charging the early repayment Ā fee, unless otherwise provided for in the Personal Loan Agreement.
If the date of payment by the Debtor is a day off, officially provided by the legislation of the Republic of Moldova, that payment shall be made on the next working day.
The credit limit is activated on the card account, at the subdivision where the loan application has been submitted.
The application can be submitted online, on the website www.micb.md, or at any subdivision of the Bank. If you apply for a loan to an already existing account, the application shall be submitted at the branch, where the account has been opened.