Features and Fees
VISA Classic Credit is an international credit card that provides guaranteed and secured access to your funds.
Use the card actively to purchase goods and services in the merchant outletss and in the Internet.
You choose how to pay - in the standard manner or by making contactless payment. Your daily purchases are faster and easier - you make contactless payment with a single touche, without entering PIN for card purchases up to BGN 50 in the country.
Minimum net monthly income
BGN 300
Credit limit
From 500 BGN to 10 000 BGN
Currency
BGN, EUR
Time limit for issuing
5 working days for standard orders within 48 hours for express orders
Credit limit validity
2 years
Card validity
4 years
Annual expense ratio
Example: 26.77% with a repayment term of 12 months, utilized credit limit of 2 000 BGN, and monthly installment 9 % of the amount of disbursed limit
Minimum repayment amount
3% of the approved credit limit
Grace period
Up to 45 days for purchases at POS terminal
Due date
From 1st up to 15th of the month
Coverage
International
Additional card
Yes, according to the tariff
Functionality
Chip, magnetic stripe and contactless functionality
Preferential and special programmes
- Programme PLUS
- Preferential conditions for medical staff
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
View the full Tariff, as well as the General terms and conditions
Parameters |
Value |
|
---|---|---|
Issuing |
Free of charge | |
Express issuing/re-issuing |
25 EUR |
|
Re-issuing after on the expiry date |
Free of charge |
|
Re-issuing before the expiry date |
10 EUR |
|
Annual service fee of a main card |
PROMO - 0 BGN for the first 2 years, and after expiry of the first two years - 25 BGN |
|
Annual service fee of the additional card |
18 EUR |
|
Change of the card parameters |
5 EUR |
|
Additional card |
Yes |
|
Benefits and package programme |
Parameters |
Value |
---|---|
Payment in merchant outlets and in Internet, in Bulgaria |
Free of charge |
Payment of goods and services in the Internet, abroad |
0.50 BGN |
Withdrawing cash at ATM: |
|
of the bank |
1,50% + 1.50 EUR |
of another banks in Bulgaria |
2,50% + 4 EUR |
abroad |
3% + 4 EUR |
Balance inquiry at ATM in Bulgaria |
0.50 BGN |
Transactions in the systems ePay.bg/B-pay |
Free of charge |
Cash withdrawal at POS terminal: |
|
in branch of the bank |
1% + 3 EUR |
of another banks in Bulgaria |
2,50% + 3.5 EUR |
abroad |
3% + 4 EUR |
Upon performing a bank card transaction on a real or virtual device abroad in a currency different from the currency of the card account, the transaction amount shall be converted in an amount for sending the financial output of the executed transaction from the Acquiring Bank of the merchant that has accepted the payment to the Card Issuing Bank at the exchange rate of the International Card Organization (ICO), VISA or Mastercard applied on the day of sending. UniCredit Bulbank AD shall book the transaction on the Client’s account where the sent amount debiting the Client’s account shall be converted in an amount in the currency of the account at the respective buy/sell exchange rate of UniCredit Bulbank AD applied on the day of booking the transaction (which may be different from the day of sending the payment). The currency of the amount of the sent payment transaction is USD (for payments made in US dollars) and EUR (for all other payments). UniCredit Bulbank AD does not apply any additional fees in case of revaluation of the bank card transactions.
Parameters |
Value |
---|---|
Payment at POS terminal at a merchant outlets |
11 000 BGN for 1 transaction 11 000 BGN for 24 hours 30 000 BGN for 7 days |
Cash withdrawals from ATM and POS at bank branch in Bulgaria |
4 000 BGN for 1 transaction 6 000 BGN for 24 hours 15 000 BGN for 7 days |
Cash withdrawals from ATM and from POS at bank branch abroad |
2 000 BGN for 1 transaction 4 000 BGN for 24 hours 10 000 BGN for 7 days |
Total number of payments within a period |
40 for 24 hours 100 for 7 days |
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 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 ePay.bg (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
- Cash M Transfer - you can immediately order or receive transfers at any ATM of the bank
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:
-
You see the amount on the display of the POS terminal
-
Place the card close to the POS terminal symbol
-
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
- 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
Apply for your VISA Classic
Online
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
Security Tips
Take care of your financial security by following a few simple rules when using your card.
Additional Card Services
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