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Mastercard Gold

  • 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"
Mastercard Gold
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Mastercard Gold


A deserved gold standard with Mastercard Gold

Be prepared for every moment with Mastercard Gold credit card with preferential terms!

Learn moreabout Promo

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


1.30 % per month will be charged on the used and not paid part of the credit limit

Annual expense ratio


*Example: 16.76 % with a repayment term of 12 months, an annual fee of 0.00 BGN for the first year, utilized credit limit of 5000 BGN, a monthly payment of 3 % (150 BGN) of the amount of disbursed limit, monthly interest rate 1.30 % and total due amount at end of period 5441.26 BGN.

Card validity


4 years

Annual fee


No annual fee for the first year. Then reduced to 50 BGN with a digitally signed contract

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

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