{"id":65,"date":"2026-07-03T01:50:43","date_gmt":"2026-07-03T01:50:43","guid":{"rendered":"https:\/\/finency.com\/ro\/first-bank-card-de-credit-recenzie\/"},"modified":"2026-07-03T01:50:43","modified_gmt":"2026-07-03T01:50:43","slug":"first-bank-card-de-credit-recenzie","status":"publish","type":"post","link":"https:\/\/finency.com\/ro\/first-bank-card-de-credit-recenzie\/","title":{"rendered":"Card de credit First Bank: p\u0103reri 2026, merit\u0103?"},"content":{"rendered":"

Cardul de credit Franklin de la First Bank este un card de credit cu rate f\u0103r\u0103 dob\u00e2nd\u0103<\/strong> g\u00e2ndit pentru cump\u0103r\u0103turi de zi cu zi, cu una dintre cele mai lungi perioade de gra\u021bie de pe pia\u021b\u0103 \u0219i cu posibilitatea de a e\u0219alona orice tranzac\u021bie de peste 100 de lei \u00een p\u00e2n\u0103 la 12 rate f\u0103r\u0103 dob\u00e2nd\u0103. Este o op\u021biune popular\u0103 pentru cine vrea flexibilitate la plat\u0103 f\u0103r\u0103 costuri ascunse de conversie valutar\u0103.<\/p>\n

\u00cen recenzia de mai jos analiz\u0103m perioada de gra\u021bie, limita de credit, ratele \u0219i comisioanele, ca s\u0103 \u00een\u021belegi dac\u0103 acest card de credit cu rate se potrive\u0219te stilului t\u0103u de cheltuieli \u00een 2026.<\/p>\n

<\/span>3.8 \/ 5<\/span><\/div>\n\n\n\n\n\n\n\n\n\n
Comision de administrare<\/th>\nConform grilei de tarife (poate fi zero \u00een campanii)<\/td>\n<\/tr>\n
Rate f\u0103r\u0103 dob\u00e2nd\u0103<\/th>\nOrice sum\u0103 peste 100 lei, \u00een p\u00e2n\u0103 la 12 rate f\u0103r\u0103 dob\u00e2nd\u0103<\/td>\n<\/tr>\n
Perioad\u0103 de gra\u021bie<\/th>\nP\u00e2n\u0103 la 60 de zile calendaristice<\/td>\n<\/tr>\n
Dob\u00e2nd\u0103<\/th>\nVariabil\u0103, indexat\u0103 IRCC + marj\u0103 (orientativ, 2026)<\/td>\n<\/tr>\n
Limit\u0103 de credit<\/th>\nP\u00e2n\u0103 la echivalentul a 3.000 EUR \u00een lei<\/td>\n<\/tr>\n
Pentru cine<\/th>\nCump\u0103r\u0103tori care vor rate f\u0103r\u0103 dob\u00e2nd\u0103 \u0219i gra\u021bie lung\u0103<\/td>\n<\/tr>\n
Re\u021bea<\/th>\nMastercard<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Rate f\u0103r\u0103 dob\u00e2nd\u0103 oriunde<\/h2>\n

Marele atu al cardului Franklin este programul de 12 rate f\u0103r\u0103 dob\u00e2nd\u0103 disponibil oriunde, nu doar la magazine partenere. Orice tranzac\u021bie care dep\u0103\u0219e\u0219te 100 de lei, din \u021bar\u0103 sau din str\u0103in\u0103tate, poate fi \u00eemp\u0103r\u021bit\u0103 \u00een p\u00e2n\u0103 la 12 rate lunare egale, f\u0103r\u0103 dob\u00e2nd\u0103 \u0219i f\u0103r\u0103 comision de e\u0219alonare. Este exact tipul de flexibilitate pe care mul\u021bi utilizatori \u0219i-o doresc de la un card de credit cu rate.<\/p>\n

Spre deosebire de cardurile care limiteaz\u0103 ratele la o re\u021bea de comercian\u021bi, aici controlul \u00ee\u021bi apar\u021bine: decizi ce achizi\u021bii e\u0219alonezi, direct din aplica\u021bie sau din internet banking.<\/p>\n

Perioad\u0103 de gra\u021bie \u0219i dob\u00e2nd\u0103<\/h2>\n

Perioada de gra\u021bie de p\u00e2n\u0103 la 60 de zile calendaristice este printre cele mai generoase din pia\u021b\u0103. Dac\u0103 rambursezi integral suma cheltuit\u0103 la comercian\u021bi \u00een acest interval, dob\u00e2nda este zero. Dob\u00e2nda se aplic\u0103 doar sumelor r\u0103mase nepl\u0103tite dup\u0103 scaden\u021b\u0103 \u0219i este variabil\u0103, indexat\u0103 la IRCC plus o marj\u0103 fix\u0103 (valori orientative pentru 2026, care depind de campanie \u0219i de profilul t\u0103u de risc).<\/p>\n

Comisioane transparente<\/h3>\n

Un avantaj notabil: conform reglement\u0103rilor, First Bank nu percepe comision la retragerea de numerar de la ATM, la tranzac\u021biile online sau la comercian\u021bi, indiferent de \u021bar\u0103, \u0219i nici la conversia valutar\u0103 pentru pl\u0103\u021bile din str\u0103in\u0103tate. Po\u021bi retrage numerar p\u00e2n\u0103 la 50% din limita de credit acordat\u0103. Aten\u021bie \u00eens\u0103, sumele retrase \u00een numerar nu beneficiaz\u0103 de aceea\u0219i gra\u021bie ca la cump\u0103r\u0103turi.<\/p>\n

Beneficii care ies \u00een eviden\u021b\u0103<\/h2>\n

Franklin este un card contactless, compatibil cu portofelele digitale, cu administrare complet\u0103 prin aplica\u021bia mobil\u0103 First Bank. Lipsa comisioanelor de conversie valutar\u0103 \u00eel face util pentru cump\u0103r\u0103turi online din str\u0103in\u0103tate, iar limita de p\u00e2n\u0103 la 3.000 EUR echivalent acoper\u0103 majoritatea nevoilor curente de creditare pe termen scurt.<\/p>\n

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Avantaje<\/div>\n