Cat platim pentru a obtine un card de credit standard?

Piata cardurilor incepe sa se dezvolte si in tara noastra. Debutul a fost timid, bancile de credit emitand intai carduri de debit utilizate pentru plata salariilor. Apoi, treptat, in portofoliul institutiilor financiare au inceput sa apara din ce in ce mai multe oferte de carduri de credit.

GhiseulBancar.ro a realizat o analiza pe un esantion de 15 banci, printre cele mai importante din Romania, pentru a vedea ce costuri implica pentru un client obtinerea unui card de credit standard.

Majoritatea bancilor nu percep comision de emitere

Ceea ce am constatat este o strategie foarte diferita aplicata de bancile comerciale in privinta acestui comision. 11 banci dintre cele 15 analizate emit cardurile gratuit, in timp ce celelalte patru au taxe fixe de 10 lei si 20 lei.

Comisionul de emitere de 10 lei este practicat de Banca Transilvania pentru MasterCard Forte si de catre Piraeus Bank, la Piraeus Visa Clasic.

Alpha Bank si OTP Bank aplica taxe duble fata de cele doua banci de mai sus, de 20 lei pentru produsele lor Alpha Card Visa Credit si MasterCard Standard (OTP Bank).

Avand in vedere discrepanta atat de mare dintre tarifele pentru emiterea unui card, un indice mediu al costurilor (care se situeaza la 4 lei) nu ar avea mare relevanta.

Bancile care au facut obiectul studiului nostru sunt BCR, BRD, Raiffeisen Bank, Banca Transilvania, Bancpost, UniCredit Tiriac, Alpha Bank, CEC, ING, ABN Amro, Piraeus Bank, Credit Europe Bank, OTP Bank, Millenium Bank si Banca Carpatica.



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