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Gold Smart Credit

  • Premium credit card with a payment deferral functionality for purchases exceeding BGN 50 in installments over a period up to 36 months
  • Free access to business lounges in Sofia, Vienna, Istanbul, Belgrade and Skopje airports
  • Flight delay pass with 2 hours flight delay free access to over 1500 business lounges in over 100 countries
  • Airport Security Fast Track
  • Free of charge insurance "Assistance in travelling and accident"
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Gold Smart Credit

Gold Smart Credit

Features and Fees

Credit card Gold Smart Credit provides comfort, flexibility and safety wherever used. Use your card actively when buying goods and services at merchant outlets, or on the Internet, ensure your traveling comfort and shop with pleasure.

With Gold Smart Credit take advantage of special offers providing negotiation and discount offers in prestigious hotels and resorts as well as other boutique offers.

With Gold Smart Credit take advantage of special offers providing negotiation and discount offers in prestigious hotels and resorts as well as other boutique offers.


Credit limit

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5 000 BGN to 10 000 BGN

Currency

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BGN

Time limit for issuing

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Up to 5 working days

Interest rate

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1,49% per month will be charged on the used and not paid part of the credit limit

Annual expense ratio

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*Example: 24.07 % with a repayment term of 12 months, an annual fee of 100 BGN, utilized credit limit of 5000 BGN, a monthly payment of 3 % (150 BGN) of the amount of disbursed limit, monthly interest rate 1.49 % and total due amount at end of period 5 603.84 BGN.

Card validity

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4 years

Annual fee

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100 BGN or No annual fee when the card is included in Plan Max

Deferral of payment

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In Bulbank Mobile or Bulbank Online only in the month in which it was booked.

Minimum repayment amount

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3% from the allowed loan limit

Grace period

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Up to 45 days for purchases at POS terminals

Due date

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From the 1st through the 15th day of the month

Lock/ Unlock a card

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You manage the status of your card for free on your own via Bulbank Mobile

Secure payments to online merchants

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With “Dynamic Password”

No PIN entry for amounts up to BGN 100

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In the country

Liabilities repayment

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  • 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

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

Statements and notifications

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  • Free of charge monthly statement via e-mail and available on Bulbank Mobile
  • Free of charge SMS reminder and e-mail with information about due amount

Delivery and activation

You can choose how to receive and activate your  premium credit card Gold Smart Credit

Receive the card at a bank branch and activate at an ATM*

 

  1. Prepare your PIN envelope and insert the card into the ATM.
  2. Select the "Other Services" menu.
  3. Select "PIN Management", then "PIN Change".
  4. Enter your original PIN from the envelope.
  5. Enter and confirm your new PIN.
  6. Remember your new PIN and destroy the envelope.
  7. Done! Your card is now active.

See more

*You can activate it yourself by changing your original PIN at a UniCredit Bulbank ATM or any other ATM with the BORICA AD logo.

Getting a card at an address and activation with an electronic PIN

 

  1. Log in to Bulbank Mobile.
  2. Find the inactive card in grey and compare the last 4 digits.
  3. Select the "Activate card" option.
  4. Enter the individual verification code from the cover letter.
  5. Remember the PIN for your card displayed on the screen.
  6. Done! Your card is now

Application

Gold Smart Credit is accepted at ATMs, POS terminals, online and anywhere Mastercard payments are accepted.

 

  • Pay contactless quickly, easily and securely in one swipe without entering a PIN for purchases up to BGN 100 at merchants in the country marked with the contactless payment symbol.
  • Use the card to book car rentals, airline tickets and hotels.
  • Pay for a variety of goods and services at POS terminals or online at home and abroad with a payment deferral functionality for purchases exceeding BGN 50 in installments or their currency equivalent
  • Pay bills and services from an ATM in Bulgaria via the B-Pay system.

 

 

  • Change your PIN on ATM in Bulgaria.
  • Check available balance at ATMs and check your last five ATM transactions in Bulgaria.
  • Pay monthly bills for electricity, heating, telephone and other services on the Internet via the ePay.bg system (the operation is possible after a one-time registration at an ATM).
  • For contactless payments abroad, the payment value below which no PIN is required varies and is determined by the bank servicing the terminal and the international card organisations (ICOs).
  • In Europe, for example, the average limit for a payment without entering a PIN is €50.

 

How to Apply

Documents required and conditions:

  • Minimum net monthly income BGN 1,000
  • Client’s ID card
  • Income other than employment relationship or without income transfer to bank account evidence
  • Foreigners should a resident permit for Bulgaria

Apply for your Mastercard Gold

Online

Complete the online application form and one of our consultants will contact you.

Apply


At a bank branch

Apply for the card in any bank branch.

Questions and answers

When you defer a payment, you can select one of the following periods: 3, 6, 9, 10, 12, 18, 24, 36 months.

You can defer payments made with Gold Smart Credit  exceeding BGN 50.

The transactions that cannot be deferred are:

  • Cash withdrawal at an ATM
  • Cash back
  • Betting transactions
  • Transactions at a POS terminal device at a casino

 

Travel and Accident Assistance Insurance is provided as a gift to cardholders of high-end debit and credit cards.

It provides over 20 insurance coverages worldwide. The insurance cover is activated by purchasing a travel package or part of it (e.g. air ticket, hotel reservation, car rental) or any other service related to the trip using the insured card in the territory of the Republic of Bulgaria or by using the card at an ATM or POS terminal abroad during the travel period.

The dynamic password for online payment is a unique password for each payment, which the client receives via Bulbank Mobile  during the payment process online with a merchant participating in the secure payment programmes VISA Secure and Mastercard ID Check. 

The service is free of charge and is available to all cardholders of debit and credit cards for individuals or legal entities issued by the Bank with the logo of Mastercard, Visa, Visa Electron and VPAY.

When you request your card for issuing you can choose delivery to an address convenient for you (residential address, work address, etc.)

Digitize your card now!

Forget about your overfilled pockets and bags!

It's easy to pay with your phone by adding your card to Apple Wallet or Digital Wallet for Android.


LEARN MORE

Security tips

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

Additional Card Services

Other credit card offers