Credit Card 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
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
Interest rate
1.60% monthly calculated on the basis of the utilized but not repaid part of the credit limit
Annual fee
50 EUR
Annual expense ratio
25.58% at used credit limit of 5000 BGN restored for 1 year
Credit limit
5 000 BGN to 60 000 BGN
Minimum net monthly income
1 000 BGN
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
Coverage
International
Preferential and special programmes
-
Free of charge insurance
-
Free of charge activation of Secure Internet payments service
-
PLUS Programme
Discounts and boutique offers
Special offers by MasterCard Worldwide and MasterCard Premium
Functionality
Chip and magnetic stripe
Currency
BGN, EUR and USD
Credit limit validity
2 years
Card validity
4 years
Time limit for issuing
5 working days for standard
within 48 hours for express orders
Additional card
Yes, according to the tariff
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
View the full Tariff, as well as the General terms and conditions.
|
Parameters |
Value |
|
|---|---|---|
|
Issuing |
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 |
5 EUR |
|
|
Additional card |
Yes |
|
|
Benefits and package programmes |
MasterCard Premium offers Free of charge virtual PIN |
|
|
Parameters |
Value |
|---|---|
|
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 |
|
abroad |
3% + 4 EUR |
|
Balance inquiry at ATM |
0.50 BGN |
|
Transactions in ePay.bg/B-pay 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 |
|
abroad |
3% + 4 EUR |
|
Parameters |
Value |
|---|---|
|
Payment at POS terminal at merchant outlets |
BGN 15,000 per 1 transaction BGN 20,000 for 24 hours BGN 30,000 for 7 days |
|
Cash withdrawals at ATM and POS terminal at a bank branch in Bulgaria |
BGN 4,000 per 1 transaction BGN 6,000 for 24 hours BGN 10,000 for 7 days |
|
Cash withdrawals at ATM and POS terminal at a bank branch abroad |
BGN 1,000 per 1 transaction BGN 4,000 for 24 hours BGN 10,000 for 7 fays |
|
Total payments within a period |
40 for 24 hours 60 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
- 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
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
Online
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
Security tips
Take care of your financial security by following a few simple rules when using your card.
Additional Card Services
Secure Payments on the Internet
Secure payments on the Internet by Virtual PIN. Confirmation of payments at merchants participating in the MasterCard SecureCode and Verified by Visa.
SMS Notification
Receive information about payments, withdrawals and balances on your bank card via SMS.
Infodirect
Infodirect is a convenient information service that tracks every movement on your account and you receive short SMS or e-mail messages.
Bank Card Insurances
Insure your debit or credit card, and items you carry with it against unforeseen events.
Other credit card offers
Credit Card VISA Gold
Credit card Visa Gold with high transaction and credit limits. You get maximum protection when using ATMs and POS terminals.
Credit Card MasterCard Standard
MasterCard Standard Credit is contactless international credit card intended for quick, easy and secure payment at ATM and POS.
