Business Card - BRD - Groupe Société Générale


Benefits	Characteristics	Extra banking services

Choose the business card that suits you!

The full range of business cards dedicated to the corporate customers and freelancers, differentiated and adapted to your needs, offers an excellent price/functionalities ratio!

Moreover, you may choose to recover your cross border VAT by means of an external partnership with TaxBack.com
All you have to do is to visit brd.vat.taxback.com and to be a business card holder.

Do you wish to protect yourselves against the risk of fraudulent transactions?

CONFORT BUSINESS is the right solution!

The business card, a practical and universal payment mean

Would you like to offer your employees a card for professional expenses?

Do you need a comfortable payment mean within the country and abroad? Fast access to the funds in your account at any time? The BUSINESS UNEMBOSSED line offers you all that in complete safety and at low costs! solicita informatii

Ask for more details

Would you like a payment mean adapted to the requirements of your company?

Do you need a permanent cash reserve? Insurance services abroad? The BUSINESS SILVER line offers you the necessary comfort in your current activities and during your travels. solicita informatii

Ask for more details

Do you want a prestigious card for your company?

Do you need a cash reserve with extended daily authorisation limits? Extended extra banking services? The CORPORATE line offers you all the facilities and, more than this, the prestige of a famous brand! Ask for more details

Benefits of the business cards

For your company:
Simpler internal proceedings:	No more cash advances associated to professional expenses Easier to keep record of the expenses
Increased degree of control:	The possibility of personalizing the authorized limits for each card Considerably lower risk of cash management Make employees more responsible
Simplifies the tracking of the money spent as professional expenses:	The funds are concentrated in one or several banking accounts and detailed account statements are provided.
For the card holders:
BUSINESS UNEMBOSSED Line	A practical and comfortable payment mean: it is possible to buy any product/service in the country/abroad from the accepting merchants through the MasterCard cards. Access at any time to the funds in the account: by withdrawing money 24/7 from any BRD or another bank's ATM within the country/abroad. Security: by reducing the cash management risk

BUSINESS SILVER Line	The benefits of the Business Unembossed line, plus: Permanent access to an extra cash reserve by applying for an authorized overdraft Insurance services abroad by using the card in order to pay for the travel expenses.

CORPORATE Line	The benefits of the Business Silver line, plus: Extended extra banking advantages: AIG Extended banking advantages: authorized overdraft, daily authorization limits MasterCard "Elite" Program

Characteristics

Debit cards: used nationally / internationally
Validity: 3 years with automatic renewal
Allowed operations at a BRD ATM: cash withdrawal, PIN change, balance interrogation, invoice payments, statement of the last 10 operations performed at the ATM
Allowed operations at a BRD POS: buying goods and services, paying invoices, recharging for prepay services. Moreover, cash withdrawal and balance interrogation are available at any bank unit.
Current account: standard functionalities - crediting accounts, ordering inter and intra banking transfers, etc.

Daily use limits for business cards

No Fee

POS Romania: payments for shopping, services, invoices and recharging for prepay services
POS abroad: payments for shopping and services with MasterCard Corporate, MasterCard Business Silver in Euro, MasterCard Business Unembossed

Other additional services valid for all cards:

Telephone Assistance, through the Vocalis Service in the country and GARS/VISC - abroad
Account deposits through the BRD-NET, BRD@ffice, MultiX, Mobilis applications.

Emergency services:
Blocking lost/stolen cards
Withdrawing money in emergency conditions abroad
Replacing the card in emergency conditions abroad

BUSINESS UNEMBOSSED Line

BUSINESS SILVER Line

CORPORATE Line

CONTACTS

The Vocalis consultants are at your service every day between 8.00 and 22.00.

Free Tel number: 0800 803 803
(tel free number in the Romtelecom network)
Tel: 021 302 6161
(normal tel in the Romtelecom network)
*BANCA (*22622)
(normal tel in Orange and Vodafone networks)
Email: vocalis@brd.ro

Extra Banking Services

Travel insurances activated
Free of charge: If the Business Silver and Corporate cards are used to pay for the travel expenses (hotel, plane, car, train) or to receive the indemnities in case of accidents, medical expenses, invalidity, death, delay of arrival of the baggage
http://www.aig.com/gateway/home/1-14-Romania_index.htm

insurance conditions for Business Silver line

insurance conditions for Corporate line

MasterCard "Elite" Program
Through Corporate card you can benefit from reductions offered by the Premium merchants in the MasterCard "Elite" Program

The list of Premium merchants in the "Elite" Program

BRD - GSG launches a new product that gives you extra safety in using your business cards in RON, EUR or USD.

You may choose one of the following types of insurance:

CONFORT BUSINESS STANDARD

Insures:

Fraudulent transactions that could be made with your card within 72 hours since its loss or theft
The amounts withdrawn from ATMs or bank counters, if you are physically aggressed to make the withdrawal
The amounts stolen from the card owner within the next 48 hours since the withdrawal
The expenses of remaking the documents (identity card, driver's license, passport, registration card of the company car or of the car used for business purposes, company stamp) lost or stolen with your card
The expenses of remaking the keys (to the locations or cars used for business purposes) lost or stolen with your card

CONFORT BUSINESS PLUS

In addition to Confort Business Standard, it offers:

Higher indemnity limits
Insurance of the transportation of funds and valuables outside the company offices to be deposited to the bank, in case of robbery of the carrier.

Indemnity limits for the cards in EUR, USD and RON

The amounts are expressed in EUR/ USD/ the RON equivalent of the amount in USD, depending on the currency of the business card

Events insured by Confort Business	Confort Business Standard	Confort Business Plus
Fraudulent transactions	800	1500
Robbery of cash	500	750
Loss or theft of keys	300	300
Loss or theft of documents	50	50
Transportation of funds and valuables (event insured only by Confort Business Plus)	---	1500

Your advantages

*COMFORT*	The insurance premium is paid annually, in the currency of the card account and is debited directly from your card account The insurance is signed for a one-year period and is automatically renewed.
*FLEXIBILITY*	Validity both in Romania and abroad.

Starting with 01.11.2010, Confort Business insurance is offered by BRD with the insurance company KOMERCNI POJISTOVNA, a subsidiary Societe Generale Group.
If you concluded a Confort Business insurance before 01.11.2010, offered by BRD in partnership with Chartis Romania, as of this date you will receive a new grace period to the insurance premium - 45 days from the date of the annual maturity. We invite you to your BRD unit to get the updated information note.