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Mastercard Standard

  • Monthly Interest rate 1,60 % per month will be charged on the used and unpaid amount of the loan limit
  • Annual fee 25 euro
  • Minimum repayment amount 3% of the approved credit limit
  • Credit limit From 500 BGN to 10 000 BGN
  • Grace period Up to 45 days for purchases at POS terminal
Mastercard Standard
Learn more

Mastercard Standard

Features and Fees

Mastercard Standard Credit is an international credit card that gives you guaranteed and secured access to your money.

Secure your trip and shop with pleasure in merchant outlets or on the Internet.

You choose how to pay - in the standard manner or by making fast and easy contactless payment - without entering the PIN code for the amounts of up to 50 BGN in the country.

Minimum net monthly income


BGN 300

Credit limit


500 BGN up to 10 000 BGN




Time limit for issuing


5 working days for standard orders

within 48 hours for express orders

Credit limit validity


2 years

Interest rate


1,60 % per amount of month will be charged on the used and unpaid the loan limit

Annual expense ratio


*Example: 26.73% with a repayment term of 12 months, an annual fee of 25 EUR (48.90 BGN), utilized credit limit of 2000 BGN, a monthly payment of 3 % (60 BGN) of the amount of disbursed limit, monthly interest rate 1.60 % and total due amount at end of period 2266.74 BGN

Card validity


4 years

Annual fee


25 euro

Due date


From 1st to 15th of the month




Additional card


Yes, according to the tariff



Chip, magnetic stripe and contactless functionality

Preferential and special programmes

  • Preferential conditions for the amounts of medical staff
  • PLUS programme

Repayment of obligation

  • Direct Debit - automatic repayment from another account of minimum installment or the entire obligation to the credit card.
  • Mobile and online banking - payment of the minimum repayment installment or an amount greater than it directly to the card account.
  • Installment at ATM - with cash deposit to a credit card.
  • At the cash desk in a bank branch to a credit card account.

24/7 Customer Service Centre


In case of accident or in case of balance inquiry necessity

Statements and notifications

  • Free of charge monthly statement by e-mail
  • Free of charge reminding SMS and e-mail 5 days prior to the amount due and 3 days after the date of repayment

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

MasterCard Standard credit is accepted in more than 32 million merchant outlets around the world, on the Internet and 1.9 million ATMs - anywhere MasterCard is accepted.

  • Contactless payment - quickly, easily and securely with a single touch without a requirement to enter the PIN code for purchases up to 100 BGN at in merchant outlets in the country, marked with the symbol for contactless payments 
  • Purchase of  goods and services at retail POS terminals in the country and abroad
  • Collection points and payment with points in merchant outlets involved in PLUS programme
  • Payment for various goods and services offered in the Internet
  • Booking and rental services - cars or airline tickets and hotels.
  • Cash withdraw at ATM and at a POS terminal in bank branch
  • Payment of monthly bills for electricity, heating and other services on the Internet through the system (operation is possible after one-off registration at ATM)
  • Payment payoff  bills and services at ATM in Bulgaria through the system B-Pay
  • Change PIN code, account balance and last five transactions only at ATMs in Bulgaria

Find out how the contactless payment works

If the terminal has the specific symbo, you can use the contactless function of your card by doing the following:

  1. You see the amount on the display of the POS terminal You see the amount on the display of the POS terminal
  2. Place the card close to the POS terminal symbol Place the card close to the POS terminal symbol
  3. The terminal gives an audible and light signal, notifying that the transaction is completed The terminal gives an audible and light signal, notifying that the transaction is completed

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 – 300 BGN
  • Client’s ID card
  • Income other than employment relationship or without income transfer to bank account
  • Foreigners should a resident permit for Bulgaria
  • Application form for credit card when visiting UniCredit Bulbank branches 

Apply for your Mastercard Standard


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