gama premium

the perfect credit line card package for those who like to travel with premium services and insurance worldwide
15% cashback
0 MDL/ monthly maintenance
7 000 EUR
debit/credit card type
350 thousand Moldovan lei credit limit
withdrawal abroad
gama premium

Calculator

Indică salariul
3 000
MDL
Primesc salariul/pensia
Alte date
Alte date
Cât achiți lunar?
5500
MDL

Oferta noastră

Limita de credit
0 MDL
DAE
15.50%
rate
14.50%
Request offer Payment schedule Informații precontractuale Condiţiile de acordare Tarife

the amount shown is indicative and does not represent a contractual commitment by maib

about

Gama card, which includes gama premium, is the perfect travel card package that offers cashback for home and abroad payments. The card provides unlimited and free access to the Loungekey and Mastercard Lounge halls in international airports, as well as premium travel insurance. It harmoniously combines the benefits of a debit and credit card, providing access to a money reserve you can use at your leisure, with no interest rate of up to 60 days.

 

Payment system, card type and currency

  • Mastercard Platinum contactless
  • MDL/EUR/USD Debit Card
  • MDL credit card

Cashback on all payments

  • up to 15% cashback from maib gama partners
  • 0.5% guaranteed cashback from maib
  • cashback abroad from Mastercard partners

You have 5 ways to pay the monthly instalments:

Revolving

  • from 3 thousand MDL to 350 thousand MDL
  • up to 50 thousand MDL directly from the application
  • grace period up to 60 days
  • 60-month term with automatic extension if the eligibility criteria are met

Monthly payments

  • it will include 5% monthly from the credit debt recorded at the end of the previous month, to which the effective annual interest calculated on the credit debt will be added.

Free card supply via other banks in the Republic of Moldova

  • supply from the card of other banks in the Republic of Moldova through the p2p service in the maibank application
  • transfers via Visa/ Mastercard payment systems
  • interbank transfers in the Republic of Moldova

Free issue, maintenance and delivery of the card

  • it opens in any maib branch or through the maibank app
  • free maintenance for over MDL 10 000 monthly payments
  • free delivery to any address in the Republic of Moldova, except for the localities on the left bank of the Dniester and Bender Municipality

Premium travel insurance and service

  • emergency medical insurance with no deductible
  • insurance for accompanying persons in case of hospitalisation
  • 24/7 support from a global assistance company   
  • more details

More than 1000 business lounges worldwide!

To access the lounge, you must have an active and valid gama premium card, your boarding pass and an ID document.

 

This credit implies your legal responsibility and must be repaid. Verify your repayment capacity before signing the credit contract.

calculation example

If you receive your salary/pension on a maib card, for a credit line of 50 thousand MDL, granted for 5 years. In that case, the maximum possible monthly payment is 3 115.75 MDL with an EAR (annual percentage rate) for the credit used of 15.5%. The total amount payable (amount of credit + all related costs) is 61 542.27 MDL.

If you receive your salary/pension on a card issued by another bank for a credit line of 50 thousand MDL, granted for 5 years. In that case, the maximum possible monthly payment is 3 179.45 MDL with an EAR (Annual Percentage Rate of Interest) for the credit used 17.23%. The total amount payable (amount of credit + all related costs) is 62 736.26 MDL.

rates

Card maintenance 

Free 

  • For monthly payments from 10 000 MDL / 500 EUR/USD (Smart Pricing)

100 MDL/ 5 USD/EUR- in other cases

Card issue/ reissue

Free upon expiry of the validity term

  • 100 MDL/ 5 EUR/USD for reissue in other cases (loss/ theft/ compromise/ other)

Payments in shops  

Free 

  • Free in the Republic of Moldova and abroad
Suppling the card through maib

Free

  • among maib cards through maibank
  • at cash-in ATMs/ maib branches/self-service terminals

Suppling the card through other banks

  • suppling through p2p  from the card to other banks in the Republic of Moldova through maibank- free
  • transfer to card through Visa/ Mastercard payment systems- 1 per month - free, other 0.5%
  • currency transfer via SWIFT - 0,7%
  • interbank transfers from other banks in the Republic of Moldova-free

Cash withdrawal in maib

  • 3 MDL/ 0.15 EUR/USD at maib ATM if presenting the card
  • 0.3% Maximum 60 MDL/3 EUR/USD at the bank POS-terminal in maib branches if presenting the card
  • 0.3% in maib branches without the card

Cash withdrawal in other banks

1%+30 MDL/ 1.5 EUR/USD

  • ATMs/ branches of banks in the Republic of Moldova

Free

  • at the ATMs of banks abroad - 1 transaction per month

1.5%+ 60 MDL/ 3 EUR/USD

  • ATMs/ branches of foreign banks

p2p transfer to the card of another bank

1.5% min 20 MDL /1 EUR/USD

  • on the card of the bank from the Republic of Moldova

1.5% min 30 MDL/1.5 EUR/USD

  • on the foreign bank card

Online and information service

Free

  • Chat-bot
  • Mobile banking/ internet banking
  • Push-Online card operation notification
  • Changing the PIN-code in the maib ATMs
  • View the balance in ATMs/ maib branches- the first five views per month
  • Mini-bank statement in maib ATMs- the first three views per month

10 MDL

  • SMS- notification

Lounge Key Mastercard Business Lounge

Free and unlimited for the cardholder

  • For each companion- $32

Card delivery

Free

  • At home or at the office to any address in the Republic of Moldova, except for the localities on the left bank of the Dniester and Bender Municipality
Interest for using credit resources outside the grace period
  • if you receive your salary/pension on a maib card, you benefit from a 14.5% floating interest rate, composed of: the BNM index of 4,38% and the bank's fixed margin of 10,12%
  • if you receive your salary on a card issued by another bank, you benefit from a 16% floating interest rate, composed of: the BNM index of 4,38% and the bank's fixed margin of 11,62%

 

Further information on rates Card delivery service (maib.md)

 

required documents

To obtain gama premium, you only need an identity card.

*Bank reserves the right to request supporting documents regarding your income in order to meet the prudential requirements specific to the banking activity.

For more detail about premium card services, please follow the link

General banking conditions for individuals within BC "MAIB" SA

general credit terms and conditions

 

frequent questions

Gama premium is tailored to your lifestyle and is perfect for you if you travel a lot. In particular:

  • you benefit from the loyalty program that provides cashback for card payment in the country and abroad
  • if you need more money than you have on your account, you can easily turn it into a credit card by requesting the opening of a revolving line (re-usable) in the amount up to 350 thousand lei
  • you can supply the card for free from the card accounts issued by other commercial banks in Moldova
  • the card provides comfort and relaxation between flights, as you have access to Key Lounge/ Mastercard Lounge areas at international airports

You have two ways to get a gama premium card:

  • at the branch, where you must come with the identity card;
  • via the maibank mobile app

The list is available on www.gama.maib.md, Partner section, and in the maibank mobile app, the”Cashback” option in the main menu.

You have two ways to get a gama premium card:

  • via the maibank mobile app, up to 50 000 lei;
  • at the branch, where you must come with the identity card, up to 350 000 lei.

It is an amount of money granted by the bank on your maib gama card that you can benefit from at any time with the possibility of withdrawing and reimbursing the funds used, without paying interest during the grace period.

The active period is the period of 24 months, during which the debtor can dispose of the credit line in full, with the possibility of repeated use of the funds, in case of repayment by the debtor.

The passive period is the period of 36 months during which the debtor cannot dispose of the credit line, having the obligation to supply the account with the minimum amounts for repayment, according to the mandatory monthly payments, or the full repayment of the used credit limit.

The customer may end up in the passive period in case of failure to meet the eligibility criteria for the extension for a new period of use. When: After the 24-month active period expires.

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Attention! Applications are processed Monday to Saturday. Monday-Friday 09:00-20:00 / Saturday 09:00-18:00

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