STAR Forte card
How does it work?
You make your STAR Forte card and receive in your account up to 5 times your monthly income.
You can take up to 25,000 lei.
ASK FOR PERSONALIZED CALCULATION SEE THE CONDITIONS FOR GRANTINGHow do you pay for your purchases?
You have two payment options, each with its own benefits.
In installments, without interest
You get up to 18 instalments in over 20,000 partner stores.
The entire amount, at the time of purchase of the products
Every full payment earns you STAR points. More precisely, 1 lion spent = 1 STAR point. You can use the accumulated points for future purchases.
To enjoy interest-free instalments, all you need to do is mention to the merchant that you want to pay by card at a BT POS.
How do you get STAR points?
You get STAR points for every full payment purchase you make at a BT POS.
Shops
non-partner
You have 0.3% of the value of your purchases in Romania and 0.1% of the value of your purchases abroad.
Where can you pay with STAR points?
Use your STAR points in partner shops by paying at a BT POS. To do this, before the actual payment, specify that you want to use STAR points. Discover below the list of shops that accept payment with points.
SEE THE LIST OF STORESExample in case of reimbursement by instalments
Let's say you have a STAR shopping card with a 3,000 lei credit line.
You want to renovate your apartment and you buy building materials and furnishings from a STAR partner store.
You pay 1800 lei in 5 installments (of 360 lei) without interest, on May 15 and you stay on the card with 1200 lei.
How NOT to pay interest
To avoid paying interest, make sure you have deposited your instalment by the 25th of each month. If you don't deposit the full amount, you are obliged to deposit 10% of the amount used and you will be charged 24% interest. Whatever you deposit, you can use immediately for other purchases.
May
1 MAI
Available for 3000 lei
15 MAI
Purchase - 1800 lei
Available for 1200 lei
Available for 1200 lei
31 MAI
Available for 1200 lei
June
25 Jun
Rate 1 -300 lei
30 IUN
Available for 1500 lei
(available May 31 + Rate 1)
(available May 31 + Rate 1)
July
25 Jul
Rate 2 -300 lei
30 IUL
Available 1800 lei
(available June 30 + Rate 2)
(available June 30 + Rate 2)
August
25 AUG
Rate 3 -300 lei
31 AUG
Available 2400 lei
(available June 30 + Rate 2)
(available June 30 + Rate 2)
September
25 SEP
Rate 4 -300 lei
30 SEP
Available 2400 lei
October
25 OCT
Rate 5 -300 lei
31 OCT
Available for 2700 lei
November
25 NOI
Rate 6 -300 lei
30 NOI
Available for 3000 lei
Example in the case of full payments
You have a STAR shopping card with a credit line of 3000 lei
You buy on may 15th products worth 500 lei that you pay in full.
How NOT to pay interest
In order not to pay the interest, you must deposit the full amount you used by the 25th of the following month. If you deposit after the 25th of the following month, you will be calculated the interest of 24%
In order not to pay interest, make sure you deposit the installment by the 25th of each month. If you do not deposit the full installment, you are obliged to deposit 10% of the amount used and you will be calculated interest of 24%. Everything you deposit, you can immediately use it for other purchases.
Tip: For monthly payments, use the free BT Pay or BT24 app to transfer between your cards.
May
1 MAI
Available for 3000 lei
15 MAI
Purchase - 500 lei
Available 2500 lei
Available 2500 lei
31 MAI
Available 2500 lei
June
25 Jun
Full payment 500 lei
30 IUN
Available/
credit paid 3000 lei
credit paid 3000 lei