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Mastercard Gold

  • High transaction and credit limits
  • Exclusive proposal by Mastercard Worldwide and Mastercard Premium
  • Guarantee when renting cars and booking airline tickets and hotels or when purchasing various goods and services in the Internet
  • Free of charge insurance "Assistance in travelling and accident"
  • Security of Internet payments automatic service subscription
  • Automatic participation in PLUS Programme that gives you the opportunity to collect and spend points in any card purchase in our partner network
Mastercard Gold
Learn more

Mastercard Gold

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.

Minimum net monthly income


1 000 BGN

Credit limit


5 000 BGN to 60 000 BGN




Time limit for issuing


5 working days for standard

within 48 hours for express orders

Credit limit validity


2 years

Interest rate


1.60 % per month will be charged on the used and not paid part of the credit limit

Card validity


4 years

Annual fee


50 euro

Annual expense ratio


25.58 % at used credit limit of 5000 BGN restored for 1 year

Minimum repayment amount


3% from the allowed loan limit

Grace period


Up to 45 days for purchases at POS terminals

Due date


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




Discounts and boutique offers


Special offers by MasterCard Worldwide and MasterCard Premium

Additional card


Yes, according to the tariff



Chip and magnetic stripe

Preferential and special programmes

  • Free of charge insurance

  • Free of charge activation of Secure Internet payments service

  • PLUS Programme

Liabilities repayment

  • 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

Text File Icon Tariff

View the full Tariff, as well as the General terms and conditions.

Issuance and service




Free of charge

Express issuing/re-issuing

50 EUR

Re-issuing after the expiry date

Free of charge

Re-issuing before the expiry date

10 EUR

Annual service fee of a main card

50 EUR

Annual service fee of the additional card

35 EUR

Change of the card parameters


Additional card


Benefits and package programmes

Exclusive seasonal offers

MasterCard Premium offers

PLUS Programme

Free of charge insurance

Free of charge virtual PIN

Transaction fees



Payment in merchant outlets in the Internet, in Bulgaria

Free of charge

Payment of goods and services in the Internet, abroad

0.50 BGN

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 


Transactions in systems

Free of charge

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

BGN 15,000 per 1 transaction

BGN 20,000 for 24 hours

BGN 50,000  for 7 days

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

BGN 6,000 per 1 transaction

BGN 8,000 for 24 hours  

BGN 20,000  for 7 days

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

BGN 2,000 per 1 transaction

BGN 4,000 for 24 hours 

BGN 12,000 for 7 fays

Total payments within a period 

40 for 24 hours

120  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

  • 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 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

Bulbank Online
Bulbank Mobile

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.


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