STAR Card - your shopping card

About the Card

Destination

personal consumer needs

Credit term

60 months

Credit amount

Minimulm amount: 5,000 lei, maximum amount 150,000 lei

Grace period

up to 56 days

Benefits

Up to 12 interest-free instalments
You receive a bonus of 10 STAR points (the equivalent of 10 MDL) after you first use the STAR card at merchants
Up to 20% of the value of purchases made in partner stores for terminal payment (POS) Victoriabank:

0.25% of the value of purchases made on the territory of the Republic of Moldova and
0.1% of the value of purchases made abroad

For each payment with STAR card, you accumulate points:

- 1 point = 1 MDL

Costs

Floating Interest Rate 20,67%
Composed of the NBM Reference Index (13.42%) and the Bank's Fixed Margin (7.25%)
Commission in the case of cash withdrawals from ATMs and Victoriabank POS - 2%
Transfer initiated through remote service channels - 2%
Initial card issuance - Free
Monthly service fee for credit card - 1.5 EUR *
Free of charge until 31.03.2023 for cards issued between 01.12.2019 - 31.03.2023

Calculation example

For a credit line in the amount of MDL 20,000 MDL, the monthly rate is a maximum of MDL 1000, and the maximum possible monthly interest is MDL 351.11. In total, the maximum possible monthly payment is MDL 1,351.11. APR(annual percentage rate) for the loan used in cash is 24.76%, and the total amount payable (loan amount + all related costs) is MDL 26,963.95.

The calculations carried out may vary insignificantly due to the possibility of changing the actual number of days between maturities.

Credit terms STAR loyalty program rules Interest-free installment payment rules All rates

About the Card

g Destination

k Credit term

hCredit amount

lGrace period