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
apply
Credit Card MasterCard Gold
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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.


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

3 working days for express

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

Tariff

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

Issuance and service

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

Exclusive seasonal offers

MasterCard Premium offers

PLUS Programme

Free of charge insurance

Free of charge virtual PIN

Transaction fees

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

 

Transaction limits

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

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

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.

Apply


In branch of the bank

Apply for the card in any bank branch.


Through the online and mobile banking

Bulbank Online
Bulbank Mobile

PLUS Programme

PLUS Programme is specifically developed for all customers using credit and debit bank cards. Your participation in the programme gives you an opportunity to automatically collect points with card purchases in merchant outlets our partner network. 

The collected points can be used for purchase of goods and services in the whole partner network.
Review all current campaigns of our partners

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

Bulbank Mobile

Install the bank in your mobile phone!

Learn more

Install our mobile banking app Bulbank Mobile and manage your accounts anywhere anytime.