Cat platesc pe an pentru administrarea cardului de credit?

GhiseulBancar.ro a realizat o analiza asupra comisioanelor si dobanzilor percepute la cardurile de credit standard emise de principalele 15 banci din Romania. Rezultatele studiului sunt prezentate in articole care trateaza fiecare comision in parte. Dupa ce am prezentat dobanda medie, comsioanele de retragere numerar la numerar si de emitere a cardului a venit si randul taxei anuale de administrare.

Media realizata asupra taxelor percepute de cele 15 banci releva o valoare medie de 25,3 lei pe an.

Taxa se percepe anual, singura exceptie fiind intalnita in cazul CEC-ului care solicita un tarif de 2,5 lei pe luna (30 lei pe an).

O singura banca dintre cele analizate de noi va scuteste de plata acestui comision, si anume ABN Amro pentru cardul Perfect Standard.

O alta strategie practicata de institutiile de credit este de a elimina taxa de administrare a cardului in primul an, dupa care urmeaza sa se plateasca in mod regulat. Bancile care procedeaza in acest mod sunt OTP Bank (MasterCard Standard), Piraeus Bank (Piraeus Visa Clasic) si Alpha Bank (Alpha Card Visa Credit). Din al doilea an insa, veti plati pentru produsele enumerate mai sus taxe de 20 lei (OTP Bank), 40 lei (Piraeus Bank) si respective 25 lei la Alpha Bank.

Daca doriti un card ieftin din punctul de vedere al efortului financiar depus pentru administrarea sa anuala puteti alege dintre produsele oferite de Banca Transilvania (MasterCard Forte – 10 lei), BRD (Visa Clasic- 12,5 lei), Banca Comerciala Carpatica ( Visa Clasic – 15 lei) sau ING (ING Credit Card – 18 lei).

UniCredit Tiriac percepe cea mai ridicata taxa pentru administrarea cardului sau, MasterCard Standard, de 50 lei pe an.

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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