[P] Romanians have found the credit card with the lowest interest rate in Romania. Get it in 2 minutes, 100% online
The lowest interest rate on the market, at a time when Romanians are looking more and more closely at the costs they have and are increasingly choosing the solutions offered by banks for important purchases or unforeseen expenses.
A convenient option is the credit card, and for those concerned about the level of interest, Libra Internet Bank currently offers the lowest interest rate on a credit card on the Romanian market.
How a credit card works, how you pay and what you have to repay
Payments are made at the POS or online, just like any other card, and spending builds up to a balance that can benefit from interest-free installments or a grace period. If the amount used is repaid in full within the specified interval, no interest is payable. If only part of the amount is returned, interest calculated daily is applied to the unpaid amount until full repayment. The credit card offers flexibility in terms of budget.
Libra offers the credit card with no issuance cost at the lowest interest rate on the market. Moreover, using the card saves a lot of costs.
What savings can credit card users make?
When shopping online, the Libra credit card offers free purchase insurance, an extended warranty of up to €1,500 and protection against product theft or damage. In the network of partners, when paying in medical clinics, restaurants or shops, instant cashback of up to 10% is offered.
For trips abroad, the Libra credit card includes international travel insurance for the whole family that is automatically activated when using the card, eliminating an additional cost that can reach tens of euros for each holiday.
In addition, the card can be used to rent a car outside the country, and for payments in euros, it benefits from an advantageous currency exchange. According to the studies carried out, you can save approximately 20 lei for every 100 euros spent. Added to all this is free access to 1,800 Business Lounges in airports, in 146 countries, where a separately paid entrance can cost, on average, between 30 and 50 euros per person, depending on the airport.
For a Libra credit card of 20,000 lei, with a credit period of 36 months, with a variable interest rate of 10.08% (composed of IRCC and the bank's margin of 4.5%) and card administration fee: 48 lei/year, the effective annual interest rate (APR) is 10.82% pa (including the card administration fee), the total amount payable being 26,192 lei. IRCC valid from 01.04.2026: 5.58%.
Until May 30, 2026, customers benefit from a promotional interest rate of 10.08%. All details can be consulted at www.librabank.ro/card-de-credit-cumparaturi.
