Mastercard Platinum

Features and Fees

Convenience and safety by credit card Mastercard Platinum. Take advantage of high-end card with higher transaction and credit limits and various preferences.

Mastercard Platinum has a magnetic stripe and chip and provides you guaranteed and secured access to your funds wherever available Mastercard logo.

Exclusive seasonal offers from Mastercard Premium.

Preferences 247.4 KB

Minimum net monthly income

6 000 BGN

Credit limit

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30 000 BGN up to 100 000 BGN

Currency

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BGN, EUR

Time limit for issuing

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5 working days for standard

within 48 hours for express orders

Credit limit validity

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2 years

Interest rate

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1.49% per month

Annual expense ratio

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*Example: 20.95% with a repayment term of 12 months, an annual fee of 200 BGN/ 102.26 EUR, utilized credit limit of 30 000 BGN, a monthly payment of 3% (900 BGN/ 460.16 EUR) of the amount of disbursed limit, monthly interest rate 1.49% and total due amount at end of period 33 218.78 BGN/ 16 984.49 EUR.

Card validity

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4 years

Annual fee

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200 BGN/ 102.26 EUR or no annual fee, with a bank card included in the "Private" plan

Minimum repayment amount

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3% of the approved credit limit

Grace period

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Up to 45 days for purchases at POS terminals

Due date

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From 1st to 15th of the month

Coverage

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International

Additional card

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Yes, according to the tariff

Functionality

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Chip and magnetic stripe

Preferential and special programmes

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Free of charge Insurance
Automatic activation of the service "Secure payments on Internet"
Programme PLUS

Card service

Liabilities repayment

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No need to repay fully the used credit limit. You have the opportunity to pay only a minimum fixed amount every month through various channels.

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

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In emergency situations or when you need to check your card balance

Statements and notifications

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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

Terms and fees for issuance and service

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

Tariff Individuals 771.2 KB

General terms and conditions for bank cards and for providing payment services 275.3 KB

When making a transaction abroad with a bank card on a real or a virtual POS device in a currency different from the card one, the sum of the transaction is converted to a sum of the settlement in the exchange rate, defined by the International card organisations, applied on the settlement day.

UniCredit Bulbank books the transaction to the customer’s account according to the official FX rate that the bank applies on the transaction accounting (it may be different from the day of the payment sending). The settlement currency is EUR.

UniCredit Bulbank doesn’t apply any additional commissions at the currency conversion on the transactions with bank cards.

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*.

LEARN MORE

*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
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, PIN change and information on the last five transactions only at ATMs in Bulgaria

How to apply

Required documents and terms

Minimum net monthly income 6 000 BGN.
Client’s ID card
Income other than employment relationship or without income transfer to bank account
evidence
Foreigners should a resident permit for Bulgaria
Application form for credit card when visiting UniCredit Bulbank branches