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Credit Card VISA Business Credit

  • Control over operational payments You have constant access to resources and optimize your document turnover.
  • Significantly facilitated process of accounting in the company.
  • Preferential access to the business lounge “Aspire” at Sofia airport and to the „Vienna“ and „Sky“ at Vienna airport
  • Card digitalization possibility to add the card in Apple Wallet and Digital Wallet for Android.
  • Free of charge Insurance "Assistance in travelling and accident".
Credit Card VISA Business Credit
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Credit Card VISA Business Credit

Features and Fees

Credit Card Visa Business Credit is a practical solution for small and medium enterprises. The card combines speed and security and is the most suitable product to guide your business in a dynamic direction.

Take advantage of the card for business customers and increase the capabilities of your company. 

Business Credit provides detailed information on the management of corporate finance, minimizing bureaucratic operations, gives more control and reduces administration costs of each payment.

Now credit cards Visa Business Credit are offered under promotional conditions!

Credit limit


From 1000 BGN to 50,000 BGN




Time limit for issuing


5 working days for standard

within 48 hours for express

Credit limit validity


2 years

Card validity


4 years

Minimum repayment amount


3% of the approved credit limit.

Grace period


Up to 45 days for purchases on POS terminal.

Upon full repayment of the total amount due by the 15th of the month you do not owe interest on funds used for purchases.

Due date


From 1st to 15th of the month




Additional card


With a possibility



Chip, magnetic stripe and contactless functionality.

Liabilities repayment


No need to repay fully the used credit limit. You have the opportunity to pay only a minimum fixed amount every month through various channels.

  • Direct debit - automatic repayment of a minimum repayment amount and all credit card liabilities from other bank accounts
  • Mobile or online banking - repayment of a minimum repayment amount or larger amounts directly to the card account
  • Installments at ATM - with cash deposit to a credit card account
  • At cashier in the bank branch to a credit card account

24/7 customer service center


In emergency situations or when you need to check your card balance

Statements and notifications

  • Free of charge monthly statement of account via e-mail
  • Free of charge SMS reminder and e-mail 5 days prior to the date of the amount due and 3 days afterwards

Review the full list of the card parameters determined pursuant to the Tariff and the General terms and conditions for bank cards and for provision services via bank card as an online paument tool.

Tariffs and General Terms

Issuance and service




No fee

Express issuing/re-issuing

40 EUR

Re-issuing after on the expiry date

No fee

Re-issuing before the expiry date

10 EUR

Annual service fee of the main card

50 EUR

Annual service fee of the additional card

35 EUR

Change of the card parameters


Additional card


Benefits and package programmes

Free of charge insurance

Automatically enrolled for Virtual PIN

Transaction charges and fees



Payment in merchant outlets in the country and abroad

No fee

Payment of goods and services in the Internet

No fee

Cash withdrawals at ATM:

of the bank

1,50% + 1.50 EUR

of other banks in Bulgaria

2,50% + 4 EUR


3% + 4 EUR

Balance inquiry at ATM

0.50 BGN

Transactions in systems

No fee

Cash withdrawals at POS terminal:

in a branch of the bank

1% + 3 EUR

of other banks in Bulgaria

2,50% + 4 EUR


3% + 4 EUR

Upon performing a bank card transaction on a real or virtual device abroad in a currency different from the currency of the card account, the transaction amount shall be converted in an amount for sending the financial output of the executed transaction from the Acquiring Bank of the merchant that has accepted the payment to the Card Issuing Bank at the exchange rate of the International Card Organization (ICO), VISA or Mastercard applied on the day of sending. UniCredit Bulbank AD shall book the transaction on the Client’s account where the sent amount debiting the Client’s account shall be converted in an amount in the currency of the account at the respective buy/sell exchange rate of UniCredit Bulbank AD applied on the day of booking the transaction (which may be different from the day of sending the payment). The currency of the amount of the sent payment transaction is USD (for payments made in US dollars) and EUR (for all other payments). UniCredit Bulbank AD does not apply any additional fees in case of revaluation of the bank card transactions.

Transaction limits



Payment at POS terminal at merchant outlets

8 000 BGN for 1 transaction

26 000 BGN for 24 hours

36 000 BGN for 7 days

Cash withdrawals at ATM and POS terminal at a bank branch in Bulgaria

2 000 BGN for 1 transaction

4 000 BGN for 24 hours 

14 000 BGN for 7 days

Cash withdrawals at ATM and POS terminal at a bank branch abroad

1 000 BGN for 1 transaction

4 000 BGN for 24 hours 

14 000 BGN for 7 days

Total payments within a period

80 for 24 hours

140 for 7 days

Card activation

The card activation process is now much faster and easier. Once you have your bank card, you can activate it yourself by changing your original PIN at UniCredit Bulbank’s ATM or all other ATMs with the logo of BORICA AD*.


*Activation of a card and change of PIN code is possible only at ATMs in Bulgaria!

Application of the Card

  • Booking and rental services - cars or airline tickets and hotels.
  • Cash withdrawals at ATM and POS terminal in any bank branch.
  • PIN change and information on the last five transactions.
  • Payment of products and services in Internet.
  • Contactless payments – quick, easy and secure payment with only one move without a requirement to enter PIN for card purchases up to BGN 100 in merchant outlets in the country marked with the contactless payment symbol.
  • Payment of bills and services from an ATM in Bulgaria through the B-Pay system.
  • Account balance at ATMs in Bulgaria and abroad.
  • In case of contactless payments abroad the payment amount below which PIN is not required is different and is determined by the Bank which services the terminal and by the international card organisations (ICO). For example, in Europe the average payment limit below which no PIN is required is EUR 50.

How to Apply

Required documents and terms

  • Client’s ID card
  • Foreigners should a resident permit for Bulgaria
  • Application form for credit card when visiting UniCredit Bulbank branches 

Apply for your VISA Business Credit

In branch of the bank

Apply for the card in any bank branch.

Security Tips

Take care of your financial security by following a few simple rules when using your card.

Additional Card Services

Other Card Offers