Platinum Smart Credit

Features and fees

Convenience and security with the Platinum Smart Credit card. Benefit from the advantages of a classy card with high transaction and credit limits and lots of preferences.

Platinum Smart Credit has a magnetic stripe and a CHIP and provides you with guaranteed and secure access to your funds, wherever the MasterCard logo is present.

Benefit from exclusive seasonal offers from Platinum Smart Credit.

Preferences 234.6 KB

Credit limit

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Over BGN 30,000 to BGN 100,000

Currency

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BGN

Time limit for issuing

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up to 5 working days

Interest rate

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1.49% per month

Annual expense ratio

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

Card validity

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4 years

Annual fee

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BGN 200/EUR 102.26

Deferral of payment

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In Bulbank Mobile or Bulbank Online in the accounting month of the payment

Minimum repayment amount

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3% of the permitted credit limit

Grace period

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Up to 45 days for payments at a POS terminal.

Due date

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From the 1st to the 15th of the month

Lock/ Unlock a card

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You manage the status of your card personally through Bulbank Mobile for free

Secure payments to online merchants

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With 3D Dynamic Password

No PIN entry for amounts up to BGN 100

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in the country, for contactless payments

Delivery and activation

You may choose how to receive and activate your Platinum Smart Credit card

Receiving the card at a bank branch and activating it at an ATM*

Prepare your PIN envelope and insert the card into the ATM.
Select ‘Other Services’ > ‘PIN Management’ > ‘Change PIN’.
Enter the initial PIN found in the envelope.
Enter, confirm, and remember your new PIN. Destroy the envelope.
Done! Your card is now active.

*You may activate the card personally by changing your initial PIN code at a UniCredit Bulbank ATM or any other ATM with the BORICA AD logo.

Receiving the card at an address and activating it with an e-PIN

Log in to Bulbank Mobile, find the inactive card in gray and compare the last 4 digits.
Select the ‘Activate Card’ option and enter the individual verification code found in the accompanying letter.
Remember the PIN displayed on the screen for your card.
Done! Your card is now active.

Using the card

Use the card to book rental cars, airline tickets and hotels.
Pay for various goods and services at retail outlets at POS terminals or online in the country and abroad.
Withdraw cash from ATMs and at cash desks of banks at POS terminals.
Pay utility bills and services at ATMs in Bulgaria through the B-Pay system.

Change your PIN code at ATMs in Bulgaria.
Check your account balance and the last five transactions at ATMs in Bulgaria.
Pay monthly bills for electricity, heating, telephone and other services online through the ePay.bg system (the operation is possible after a one-time registration at an ATM).

Application

Required documents and conditions

Minimum net monthly income – BGN 6,000.
ID card of the customer
Documents for non-employment income or without transfer of income to an account at the bank
Foreigners present a document for residence in Bulgaria
Filling out a Request for issuance of a credit card for Individuals at a UniCredit Bulbank branch

Request your Platinum Smart Credit

Online

Fill out the online request form and our consultant will contact you.

Request

At a bank branch

Request the card at any branch of the bank.

Through e-banking

Bulbank Online

Questions and Answers

What is the periodicity of instalments?

When paying in instalments you may choose between the following periods: 3, 6, 9, 10, 12, 18, 24, and 36 months.

Can I make all payments into instalments?

You may pay in instalments any payment over BGN 50 with Platinum Premium Credit.

Transactions that cannot be made in instalments are:

Withdrawals at ATMs
Cashback
Betting in a retail outlet or online
Money transfers to digital wallets of fintech companies
Payments at gun shops

The credit card includes free ‘Accident and Travel Assistance’ insurance. Where can I learn more about it?

‘Accident and Travel Assistance’ insurance is provided as a gift to cardholders of high-class debit and credit cards.

It provides over 20 insurance coverages worldwide. The insurance coverage is activated with the purchase of a tourist package or a part of it (e.g. airplane ticket, hotel booking, car rental) or other travel-related service using the insured card on the territory of the Republic of Bulgaria or by using the card at an ATM or POS terminal abroad during the trip.

What is 3D Dynamic Password?

The Dynamic password for online payments is unique for each payment and is received by the customer in Bulbank Mobile during the online payment process for merchants participating in the secure payment programs VISA Secure and MasterCard ID Check.

The service is free and available to all holders of debit and credit cards of individuals or legal entities issued by the bank and bearing the Visa, Visa Electron, VPAY or MasterCard logo.

Can I receive my credit card at my home address?

When your card is issued, you may choose the method of receiving it, as we provide the option of delivery to an address convenient for you (home address, work address, etc.)

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.

LEARN MORE

Security tips

Take care of your financial security by following a few simple rules when using your card.

On Internet payments

On payments at POS terminals

On cash withdrawals at ATMs

When travelling

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