Features and Fees
Mastercard Gold credit card provides comfort, flexibility and safety wherever used.
You are given higher transaction and credit limit options and other benefits.
Use your card actively when buying goods and services at merchant outlets, or on the Internet, ensure your traveling comfort and shop with pleasure.
Take advantage of special offers of Premium programs of Visa Europe and MasterCard Worldwide, providing negotiation and discount offers in prestigious hotels and resorts as well as other boutique offers.
- Exclusive seasonal offers от MasterCard Worldwide
- Special business proposals and offers by MasterCard Premium and General Terms of package services
Minimum net monthly incomeIcon
1 000 BGN
5 000 BGN to 60 000 BGN
Time limit for issuingIcon
5 working days for standard
within 48 hours for express orders
Credit limit validityIcon
1.60 % per month will be charged on the used and not paid part of the credit limit
Annual expense ratioIcon
25.58 % at used credit limit of 5000 BGN restored for 1 year
Minimum repayment amountIcon
3% from the allowed loan limit
Up to 45 days for purchases at POS terminals
From the 1st through the 15th day of the month
Discounts and boutique offersIcon
Special offers by MasterCard Worldwide and MasterCard Premium
Yes, according to the tariff
Chip and magnetic stripe
Preferential and special programmesIcon
Free of charge insurance
Free of charge activation of Secure Internet payments service
- 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 centerIcon
In emergency situations or when you need to check your card balance
Statements and notificationsIcon
- 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
View the full Tariff, as well as the General terms and conditions.
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
- 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.
- Booking and rental services - cars or airline tickets and hotels
- Payment of products and services offered in merchant outlets at POS terminal in the country and abroad
- Collection points and payments with points at merchant outlets involved in PLUS Programme
- Cash withdrawals at ATM and POS terminal in any bank branch
- Payment of monthly bills for electricity, central heating, phone and other services offered in the Internet through the ePay.bg system (the transaction can be executed after a registration at an ATM)
- Payment of bills and services from an ATM in Bulgaria through the B-Pay system
- Account balance at ATMs in Bulgaria and abroad
- Payments for various goods and services in Internet
- 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
- 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
Fill in the online form and our consultant will contact you.
In branch of the bank
Apply for the card in any bank branch.
Through the online and mobile banking
Take care of your financial security by following a few simple rules when using your card.
Additional Card Services
Other credit card offers
We brought banking at your fingertips!