Gama card, which includes gama universal, is the best card package for shopping lovers, which returns some of the money spent directly on your account in the form of cashback. It harmoniously combines the benefits of a debit card, providing access to a reserve of money you can use at your leisure, with no interest rate up to 60 days.
Payment system, card type and currency
Cashback for any payment
You have 5 ways to pay the monthly instalments:
Free supply of the card through other banks in the Republic of Moldova
Free of charge issue and servicing
This credit implies your legal responsibility and must be repaid. Verify your repayment capacity before signing the credit contract.
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.
Free of charge
35 MDL/ 1.75 USD/EUR – in other cases
Card issuance/ reissue
Free upon expiration
40 MDL/ 2 EUR/USD for reissue in other cases (loss/ theft/ compromise/ other cases)
Payments at commercial points
Free of charge
Suppling the card through the maib
Free of charge
Suppling the card through other banks
Cash withdrawal at the maib
Cash withdrawal in other banks
1%+30 MDL/ 1.5 EUR/USD
1.5%+60 MDL/ 3 EUR/USD
p2p transfer to another bank card
1.5% min 20 MDL /1 EUR/USD
1.5% min 30 MDL/1.5 EUR/USD
Online and information services
Free of charge
Mobile banking/ internet banking
Push - notification of online card transactions
Monthly bank statement by e-mail
Change the PIN code in maib ATMs
Balance view in maib ATMs/ subdivisions- first five monthly views- free, the other 1.20 MDL
Mini bank statement in maib ATMs - the first three views per month- free, the other 1.40 MDL
At home or to the office, at 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
Further information on rates here
To obtain gama universal you only need the identity card.
*Bank reserves the right to request supporting documents regarding your income to meet banking-specific prudential requirements.
You have two ways to get a gama card:
- at the branch, where you must come with the identity card;
- via the maibank mobile app.
In both cases you can request the card to be delivered to any address. The card delivery service is available for the entire territory of the country (except for the locations on the left bank of the Dniester and Bender Municipality).
The cashback value varies from partner to partner and can amount from 3% to 15% of the transaction amount. Today, the range partners network consists of over 1000 traders, active in various areas: HoReCa, Health, Insurance, Cosmetics, household appliances, clothing, libraries, PECO stations, etc.
Smart pricing provides certain conditions (collection, payment by card), which are exempt from paying the monthly card administration fee.
Monthly collection on the card means transfers received through the p2p service, transfers from another bank or accounts of other major clients, cash deposits with ATMs or payment terminals.
Monthly payments are commercial point payments online, including via the maibank mobile application or internet banking (payment of bills and services). Monthly payments do not consider p2p transfers, cash withdrawals or other transfers.
Only financial settled transactions¹ in that month are considered in Smart pricing.
¹Financial settlement - actual debiting of money from the card account following a card payment transaction.
The settlement deadline for card transactions is a maximum of 30 days.
You have two ways to get a gama universal 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.
take the first step
fill in the fields and we will contact you
- step 1 of 2 personal data
- step 2 of 2 OTP signing
sign with OTP
to confirm, enter the 6-digit code received via SMS to the number +373
Attention! Applications are processed Monday to Saturday. Monday-Friday 09:00-20:00 / Saturday 09:00-18:00