Cards marked with the Cofinoga logo are issued by brands in partnership with Cofinoga. We can cite the Galeries Lafayette, the BHV, Monoprix, Rue du Commerce, Opodo, Speedy, Monsieur Bricolage, Atlas, Jardiland, Phox, Toyota, Firstop …
The Cofinoga card allows you to make purchases on credit or in cash. However, it is the “cash” payment method that is automatic . To pay on credit you must report it. Without any action on your part, the amount of your purchases for the month is therefore taken from your bank account. As soon as you receive your Cofinoga statement, you can choose to pay on credit. Note, in some cases, you can choose to pay when you go to checkout.
Cofinoga cards are necessarily associated with a revolving account whose pricing will be different depending on the brand where you have subscribed. To benefit from the card, you must first open an account.
Cofinoga cards are also accepted in a network of 10,000 stores and websites such as Darty, Afflelou, Géant, but also PriceMinister, Spartoo, etc.
Cofinoga (BNP Paribas Personal Finance Group).
Cofinoga cards allow you to earn loyalty points , the S'Miles . Each time you make a payment in the brands of the Be Smart by Cofinoga network with your card, you accumulate S'Miles according to a reward scale that varies according to the brands in the network. Once you reach levels you can exchange your points for gifts in a catalog: gift card, cinema tickets, restaurant meals ...
Some brands occasionally put promotions reserved for customers with the Cofinoga card.