Advantages

The Miles & More Gold Credit card can be used at any domestic or international retailer, online shop or phone order company which displays the MasterCard logo. You can enjoy up to 35,000 RON credit, with a 8,000 RON daily purchase limit. The commission for purchase transactions is 0% for both domestic and cross border transactions, and your safety is assured by the 3-D Secure* technology, offered to you by UniCredit Tiriac Bank, free of charge.
You can withdraw cash at any time from any ATM or bank branch where MasterCard is accepted. The cash withdrawals can add up to 8,000 RON per day, as long as they do not exceed 40% of the credit limit.

If the entire credit card bill cannot be paid by the due date, pay as little as 5% of the outstanding balance each month. Of course, if the outstanding balance is paid in full, no interest is charged on your purchases except in the case of cash withdrawals.

You can use the 56 days of grace period, during which no interest is charged for purchase transactions, subject to full payment of the due amount by the payment date.

The direct debit facility is an option that enables to pay the outstanding monthly balance automatically from a UniCredit Tiriac Bank current account. Outstanding balance can be repaid through the Online B@nking service, by payment order or in one of UniCredit Tiriac Bank branches.

All transactions on your Miles & More Gold Credit Card are reflected in your monthly activity report, giving you a complete picture of all your transactions. Your monthly activity report also provides a summary of your Miles & More award miles accumulated to date and also shows the card transactions of any supplementary cardholders, if applicable.
You can receive your monthly activity report in any one of the following ways:
- by post;
- via e-mail;
- by downloading, through Online B@nking, a pdf file which allows you to view and print your statement.

* 3-D Secure is a new service available to customers who have cards issued by UniCredit Tiriac Bank, which secures online payments, by:
- authenticating the person who makes an online payment, to ensure he or she is the rightful cardholder.
- providing a username/password system, known only to the cardholder, thus protecting the cardholder against unauthorized online use of their card.

As a Miles & More Gold Credit Card holder, you benefit from travel insurance that covers you against serious accidents abroad – free of charge. This insurance is offered in partnership with CHARTIS Romania, being valid for trips abroad up to a maximum of 60 consecutive days from the departure date. You can benefit from this insurance if any of the expenses related to the trip (transportation/accommodation) have been paid with the Miles & More Gold Credit Card. The insurance also covers the client - in the case of death or permanent invalidity as a result of an accident during the respective trip.

For aditional information, click here (for cards issued before December 31st 2009)
For aditional information, click here (for cards issued after 1st of January 2010)

When traveling, access to your cash and credit limit is top priority. Together with MasterCard we offer an emergency hotline. This will give you peace of mind should your card or cash be lost or stolen while you travel. The service offers you cash advance, a replacement card and emergency assistance if necessary.
The emergency card replacement and cash advance service are available via MasterCard Global Customer within 48 hours, wherever you are in the world.

In association with MasterCard, the Miles & More Gold Credit Card gives you exclusive international discounts and offers on travel, spa private tours, cultural institutions and golfing around the world through the Global Premium Collection program. Thereby, offering you greater opportunities to experience international cuisine and leisure pursuits. MasterCard is constantly updating the offers and discounts. So look out for the latest offers and experiences as well as the terms and conditions here

As a Miles & More Gold Credit Card holder, you will benefit automatically and free of charge from special discounts through the Travel & Entertainment Discount Scheme from UniCredit Tiriac Bank. Using the card, shopping will become truly advantageous as will be able to get a discount of up to 25% at various hotels, restaurants, travel agencies, car rental companies, beauty salons and spas.
Please access www.programreduceri.ro to check the complete list of partners.

Use your Miles & More Gold Credit Card to pay your utility bills (Vodafone, Orange, Romtelecom, Enel Energie, Allianz Tiriac Insurances and Boom TV) at any of the UniCredit Tiriac Bank ATMs.

Your Miles & More Gold Credit Card is valid for three years

The Miles & More Gold Credit Card is accepted at over 32 million locations around the world. For cash withdrawals there are over 900,000 ATMs worldwide.

Change your PIN at any of the UniCredit Tiriac Bank ATMs as many times as wanted, without going to the bank.

Your wife, husband, partner or children can also enjoy the attractive benefits of the Miles & More Gold Credit Card – under extremely good terms and conditions.