Become a STAR Card Partner

About the Card Benefits Costs Calculation example Required documents

About the Card

g Destination

personal consumer needs

k Credit term

60 months

hCredit amount

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

lGrace 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 16,72%

    Composed of the NBM Reference Index (9.47%) 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 31.12.2022 for cards issued between 01.12.2019 - 31.12.2022

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 284.01. In total, the maximum possible monthly payment is MDL 1,284.01. APR(annual percentage rate) for the loan used in cash is 19.92%, and the total amount payable (loan amount + all related costs) is MDL 25,709.23.

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