Star credit cards
BE A SHOPPING STAR
More budget for shopping, fewer worries. With Star Card, you pay how you want, when you want, in over 40,000 partner stores.
Shop with up to 18 interest-free installments and no fees. You get up to 10% in Star Points when you pay in full. You have credit on the card up to 5 times your income, maximum 25,000 lei. You collect Star points that you can use for future purchases. You have up to 55 days grace and zero interest on your installment until 25. You only need 800 lei minimum income to apply for the card.
Give a Star card to someone special
Life is easier when you share it with someone you love, and now you can share the benefits of a store card, too.
Simple, fast, and 100% digital.
STAR and BT Pay
The perfect shopping mix
Get your Star Forte in 10 minutes or less, pay with it directly from BT Pay, earn Star points and benefit from interest-free installments. It's simple, secure and handy so every shopping experience is hassle-free. 🚀
SOLD. POINTS STAR. RATE.
All the information you need on your phone in BT Pay.
REAL-TIME TRANSACTIONS
Pay with your phone or card and instantly see your transactions in the app.
KEEP TRACK OF EXPENSES
Restaurant, transportation or shopping. See all payments grouped by category.
MANAGE YOUR INSTALLMENT PAYMENTS
Automatic or manual. Manage your installment payments in the Credit Info section.
YOU ARE SAFE
Your cards are always on your phone. Lock, unlock, change limits and approve payments. No hassle.
SEE WHICH CREDIT CARD SUITS YOU
Shopping flexibility with Star Forte, premium benefits with Star Gold or exclusive perks with Star Platinum. Choose the credit card that works best with your wishlist.
BUY FROM STAR SHOPS
40,000 partner stores where you can pay in installments or with points, online or in stores. Whether they are national or local stores, you can find all product categories in the Star network.
AWARD CONDITIONS
Minimum income of 800 lei Minimum of 3 months in your current job Minimum age of 18 years No credit arrears Romanian citizenship
RAPID HELP
You can take advantage of interest-free installments exclusively through the extensive network of Star Card partner merchants.
How to find partners: An updated list of over 35,000 stores (electronics, fashion, travel, health) is available on the Star BT website.
The grace period is the time frame (up to 55 days) during which you can use your bank’s credit line for purchases, and if you pay back the full amount spent, you won’t pay any interest. ✨
What this means: If you pay for your purchases from the current month by the due date (usually in the following month), you won’t have to pay interest.
Please note: Installment payments to partners do not affect the grace period; the interest rate for these payments is zero in any case.
Well, you can use up to 1,500 STAR points per transaction per day per account. 😊
Of course, for every payment you make abroad, you get 0.1% points of the purchase value. ✨
Yes. Through the BT Pay app you can view all transactions and your available balance, and you can activate or block the card, pay your installments, and find Star Card partner merchants near you.
In the event of a return, the merchant issues a refund card. The Star Points earned for that transaction will be automatically canceled once the return is processed.
There is no minimum amount required by the bank to make an installment payment to Star partners. The limit is determined solely by how much money you have available on your credit card.
However, some partner merchants may set their own minimum amount for installment purchases. Always check the terms and conditions at physical or online stores.
Yes, it is possible to withdraw money from your Star BT shopping card, but it's important to bear in mind fees applicable. You can find them on the BT website, in the Star Card Comparator section.
The Star BT card is mainly designed for purchases and installment payments, but it also offers the flexibility to withdraw cash, at the costs mentioned above. You have a 55-day grace period for both card purchases and cash withdrawals.
If you do not pay the full amount owed within the grace period, interest will be charged on the outstanding balance.
The standard interest rate is specified in the BT fee schedule (available at bancatransilvania.ro or at any branch).
It is recommended that you pay at least the minimum required amount by the due date to avoid late fees or having your card blocked.
No. Installment payments at Star Card partner merchants are 0% interest and 0% commission, which is one of the major benefits of card. The cost is borne by the merchant, not by you.
A currency conversion fee applies to transactions conducted in currencies other than the Romanian leu.
The exchange rate used is that of the payment network (Visa/Mastercard) on the date of the transaction, plus the BT fee specified in the fees and charges brochure for the Star card you are using to pay.
Replacement of the card (upon request or in case of loss/theft) may incur a fee, as outlined in the fees and charges brochure available on the website.
Check the current rates in the "Credit Card Fee Schedule" available on the website.
To apply for a Star BT credit card, you need the following documents:
- Identity card
- ANAF agreement - showing your monthly income, which you must sign.
- Special categories may also require a pay slip - but our colleagues will guide you. 🤗
You don't have to be an existing BT customer to apply.
You can become a customer and apply for a Star Card at the same time. It’s very easy to create an account — directly from BT Pay or on the website.
Yes. Retirees can apply for the Star Card if they meet the minimum income threshold (800 lei net/month).
A pension is accepted as a source of income for getting a Star card.
Yes, sole proprietors and individuals with income from self-employment may apply.
The bank will request supporting documents (e.g., recent tax returns or bank statements) to assess your monthly net income.
The process may differ slightly from that for employees.
You can apply for a Star Card if you are at least 18 years old and meet the other eligibility criteria (income, credit history).
Yes. BT checks your credit history with the Credit Bureau.
A negative credit history (overdue payments, non-performing loans) may affect the approval of your application.
A good credit score increases your chances of approval and can positively influence the credit limit you are granted.
Yes, it is possible to have multiple credit products with BT, but each application is reviewed individually based on your total debt-to-income ratio, in accordance with NBR regulations.
If your request is denied, you will receive a notification.
You can ask your BT consultant for feedback and apply again after some time, once the situation that led to the rejection has changed (e.g., higher income, improved credit score).
To benefit from interest-free installments, all you have to do is mention in the physical locations of the partner stores that you want to pay in installments or online by selecting the payment solution specified on each Star partner's page.
Online processing usually takes a few minutes, provided the documents are complete.
The physical card is delivered to your home by courier or can be picked up from a BT location, depending on the option you choose. The digital card can be used after approval in BT Pay. The total time from application to receipt of the card is generally 3–5 business days.
For cards requested at a BT branch, the process takes approximately 3–5 business days.
The PIN can be set or changed by:
- The BT Pay app
- Any BT ATM
- By calling BT Customer Service
Never share your PIN with anyone else.
You can block your card instantly by:
- The BT Pay app – "Block Card" option
- Call 0800 801 BT (0800 801 28) – available 24/7
- Visa/Mastercard International Emergency Service
After blocking the card, report the incident to the bank to initiate the replacement the card.
To close credit card :
- Pay off the entire outstanding balance (including any future installments included in the balance, if applicable)
- Come to a BT location and submit a written request to terminate the contract.
The card will remain active until the bank confirms its closure. You will receive written confirmation.
Yes, you can speak with a BT consultant about options for upgrading or converting the product.
If your needs have changed, BT can offer a credit that better suits your needs.
REPRESENTATIVE EXAMPLE
FORTE
GOLD
PLATINUM
* APR calculated on the assumption that the line of credit is withdrawn in full from the BT ATM or POS at the BT counter after the loan has been granted, with subsequent monthly interest payments on the committed loan.
APPLY FOR THE STAR CREDIT CARD
With the Star Forte shopping card you get interest-free installments, hassle-free shopping and benefits with every payment. Fill in the form and we'll call you with all the details.
