FAQ

Miles & More is a worldwide frequent flyer programme – but it’s not just for frequent flyers. Of course you will earn miles when you fly but you also earn miles with a large number of interesting partners from other sectors. Every time you pay with your Miles & More Gold Credit Card, stay in a hotel, drive a rental car or shop, your earn valuable award miles and can redeem the against flight-, travel- and over 1.000 merchant awards. For further details regarding the Miles & More programme, please visit: www.miles-and-more.com

The Miles & More Gold Credit Card is a payment instrument, with which you earn Miles & More award miles with every purchase, along with the usual benefits of a credit card – international acceptance, revolving credit facility, insurance program and grace period.

Whenever you pay with your Miles & More Gold Credit Card, award miles will be credited onto your Miles & More account.
Earn award miles for your everyday purchase, paying your hotel stays, dining out, filling petrol, buying groceries and so on…

The miles you’ve earned with your Miles & More Gold Credit Card are credited onto your Miles & More account once per month.
You can check this online at any time, at www.miles-and-more.com/statement .

Main card annual card fee 150 RON per year
Supplementary card annual card fee 50 RON per year
Purchases made with the credit card both in Romania and abroad are free of charge, while cash withdrawals are free of charge in the UniCredit Group ATM network, as indicated in the List of Fees and Commissions Miles&More Card .

The credit limit is calculated by the bank for each cardholder based on the eligibility criteria. It can be up to 3 times your net income. The minimum credit limit for the Miles & More Gold Credit Card is RON 1800 and the maximum credit limit is RON 35,000.
You may use your credit card for purchases both in Romania and abroad for up to 100% of the credit limit, free of charge. You may withdraw cash both in Romania and abroad up to 40% of the credit limit monthly, subject to the payment of a cash withdrawal commission if the card is used at others banks’ ATM. .

Yes, you need to open a current account at UniCredit Tiriac Bank to apply for the card.

Of course you do. We prepare your monthly account statement, which includes all the useful information about your Miles & More Gold Credit Card usage. You may also request your account statement to be sent free of charge to your e-mail address that is stipulated in the Credit Card Application Form

You may schedule the repayment of your outstanding credit balance at your discretion: It is sufficient to pay the minimum due amount: 5% of your debt outstanding + 100% interest + 100% commissions. 26 days (grace period) are available for repayment starting with the account statement date.

UniCredit Tiriac Bank provides you a free of charge health, accident and luggage insurance from CHARTIS Romania for your travels abroad until your card's expiry date, for a period of maximum 60 days per travel .

• age between 20 and 65 years
• Valid identification document;
• a net monthly income of minimum 1000 RON
• Being a Miles & More member - you can enroll either here or directly when applying for the Miles & More Credit Card

You can apply either online on the www.unicredittiriac.ro/milesandmore, by calling the Info Center at 021 200 20 20 or by visiting any of the UniCredit Tiriac Bank branches.

Your credit card has a validity of 3 years. The validity date is printed on the face of the plastic.

Your wife, husband, partner or children over 18 years old can also enjoy the attractive benefits of the Miles & More Gold Credit Card.
The supplementary cardholder might use the entire limit approved for the main cardholder
All transactions of the supplementary card will be shown on the main cardholder statement.

In order to apply for a supplementary card, you will need to fill in an Application Form and provide a copy of the supplementary applicant ID.

Both the primary and supplementary card holders have access to the credit line offered by UniCredit Tiriac Bank. However, all billing is sent to the primary card-holder and it is his/her responsibility to ensure that the card is in good standing.

Yes, you can.

For security reasons your credit card is sent to you without having been activated. This means you have to activate your card in order to be able to use it for purchase transactions and for cash withdrawal

Upon receiving your card, please perform a credit card limit interrogation on any of the UniCredit Tiriac Bank ATMs.

If your card is lost or stolen, please call immediately the Info Center at 021 200 20 20. Right after you report the loss or theft of your card, UniCredit Tiriac Bank will block the card to prevent illegal use. Do not forget that most illegal attempts to use a card occur immediately after its loss or theft. To prevent this, write down the number of your card, the useful phone numbers for reporting the loss or theft and keep them in a safe place.

The grace period is up to 56 days: 30 days for the transactional cycle plus 26 days for the payment of the outstanding balance.

You can find out your card balance by:

• Checking your monthly statement received from the bank
• Checking your monthly statement online, through Online Banking
• Call the Info Center at (021) 200 20 20, service available from Monday to Friday, between 09 a.m. and 18 p.m.

You can find out your credit limit by:

• Checking the Welcome letter you received together with the credit card
• Checking your monthly statement, which shows your total limit, current balance and available limit
• Call the Info Center at (021) 200 20 20, service available from Monday to Friday, between 09 am and 18 pm

For your convenience, you may choose the following payment options:

• Pay at any of the UniCredit Tiriac Bank branch locations by cash or by payment order
• Pay through the direct debit option; if you are a holder of a current account with UniCredit Tiriac Bank you can instruct the bank to debit your UniCredit Tiriac Bank current account every month.

• Make sure you sign the backside of the card immediately after you receive it.
• Protect your card against destruction, by keeping it in a safe place, far from any magnetic object.
• Before you leave for abroad, check your card and the available balance.
• Keep the receipts and compare them with the bank statements to make sure that all the transactions were made correctly. Report any error or suspicious transaction immediately.
• Do not leave your card at anyone’s hand.
• The card must be used only by you. Do not lend your card to anybody, not even to another member of the family.
• Do not leave receipts, invoices or other documents that contain information about the card in plain sight.
• Inform UniCredit Tiriac Bank immediately if you change your personal data (address, phone number etc.).

PIN is the personal identification number which is sent to you by courier on approval of your credit card application - separately from the credit card.

We recommend you to memorize your personal identification number (PIN), because you must use it for withdrawing cash at ATMs or in the merchant shops. Do not write your PIN code on the card and avoid keeping it written on a piece of paper in plain sight or near the card. Never reveal your PIN code to another person, even if it is a bank’s employee or a merchant. You are the only person who should know the PIN.