Financial
How to Apply for the OPT Card MOL Credit Card in Romania
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THE OPT Card MOL is a practical and advantageous option for consumers in Romania who want a credit card with exclusive benefits for fueling and purchasing in the country. Issued by OPT Bank in partnership with the MOL network, this card combines convenience, security, and benefits in a single financial product.
✅ Updated Step-by-Step Guide to Requesting the OPT Card MOL
Receive and activate your card
The physical card will be sent to your registered address. In the meantime, you can activate the virtual card through the app to start using it immediately.
Visit the Banca Transilvania website
Due to the integration, OPT Bank is now part of the Banca Transilvania Group. To apply for the OPT Card MOL, visit the official Banca Transilvania website or use the corresponding app.
Open a digital account or log in
If you don't already have a Banca Transilvania account, you'll need to create a digital account by providing your personal information and proof of residence in Romania. Existing customers can access the app or website directly to start the application.
Locate the OPT Card MOL
Within the financial products area, find the MOL OPT Card or the specific card for refueling at MOL stations and associated benefits.
Fill out the online application form
Complete the form with the requested information, including personal data and supporting documents, for credit analysis.
Wait for the analysis to be approved
Your financial profile, banking history, and income will be quickly assessed. If approved, the limit will be set based on your profile.
📄 Required Documents
- Valid identity document (ID Card or Passport)
- Proof of residence in Romania
- Proof of income (requested in some cases)
- Legal residence in Romania
💰 Detailed Information of OPT Card MOL
| Category | Details |
|---|---|
| Annuity | Generally between 60 and 100 RON per year, with possible exemptions depending on usage and promotions |
| Cashback | Cashback of up to 5% on purchases at MOL stations and partners |
| Minimum limit | Approximately 1,000 RON |
| Maximum limit | It can reach up to 25,000 RON, subject to credit analysis |
| Analysis for limit definition | Income assessment, credit score, banking history and card usage |
| Approval for bad names | Typically not approved for customers with significant financial constraints |
| Application process | 100% online via the MOL Pay app or OPT Bank website |
| Benefits of opening an account | Exclusive discounts at MOL stations, promotions and bonuses on purchases |
| Bank reliability | Reliable local bank, with direct partnership with the MOL network, a solid reference in the Romanian market |
📱 Digital Features and Security
- Physical and virtual card for immediate and secure use
- Full control via the MOL Pay app: blocking, limits, real-time notifications
- Contactless payment
- Reinforced authentication system for online purchases (3D Secure)
- Customer support via app and phone
🛡️ Benefits of the OPT Card MOL
- Exclusive cashback for fuel and purchases from MOL partners
- Competitive annual fee with possibility of exemption for frequent use
- Complete digital management via the app with easy expense tracking
- International acceptance by Mastercard
- Installment purchases under special conditions within the MOL network and partners
- Rewards program that offers discounts, promotions and extra benefits
📝 Conclusion
THE OPT Card MOL It is ideal for those looking for a credit card focused on real advantages for those who fill up at MOL stations and want to control their finances in a practical and secure way.
With fast analysis, competitive annual fees, and modern digital features, it's a complete option for consumers in Romania who value everyday benefits.
If you want to combine savings, convenience, and security, the OPT Card MOL is an excellent choice for your financial profile.
