Credit Card VISA Classic - UniCredit Bulbank

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 25 in the country.

Interest rate

0 % PROMO interest payments on POS terminals in merchant outlets and on the Internet to 30.09.2017, after this period - PROMO monthly interest rate - 1.35%

Annual fee

PROMO 0 BGN for the first two years, then reduced to 25 BGN

Annual expense ratio

Example: 17.46 % with a repayment term of 12 months, utilized credit limit of 1000 BGN, Monthly installment - 9% of the amount of disbursed limit and monthly interest rate 1.35%

Credit limit

From 500 BGN to 10 000 BGN

Minimum net monthly income

BGN 300

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

Preferential and special programmes

Programme PLUS
Preferential conditions for medical staff
Free insurance

Functionality

Chip, magnetic stripe and contactless functionality

Currency

BGN, EUR, USD

Credit limit validity

2 years

Card validity

4 years

Time limit for issuing

5 working days for standard orders 3 working days for express orders

Additional card

Yes, according to the tariff

Card service

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

Terms and fees for issuance and service

Terms and conditions for issuing and servicing of a bank card
Visa Classic REVOLVING CREDIT
SPENDING LIMITS		Limit for one transaction			Daily limit			Weekly limit
SPENDING LIMITS		USD	EUR	BGN	USD	EUR	BGN	USD	EUR	BGN
Cash withdrawals on ATM and POS terminal	In Bulgaria	2000.0	2000.0	4000.0	2000.0	2000.0	4000.0	3500.0	3500.0	7000.0
Cash withdrawals on ATM and POS terminal	Abroad	500.0	500.0	1000.0	2000.0	2000.0	4000.0	3500.0	3500.0	7000.0
Cash M transfer 1 in Bulgaria	In Bulgaria	200.0	200.0	400.0	2000.0	2000.0	4000.0	3500.0	3500.0	7000.0
Amount of Cash Back at POS when a purchase is made (limit of cash received)		25.0	25.0	50.0	1000.0	1000.0	2000.0	1500.0	1500.0	3000.0
Payment at merchant locations on POS terminal		5500.0	5500.0	11000.0	5500.0	5500.0	11000.0	10000.0	10000.0	20000.0
Payment at merchant locations on POS terminal		5500.0	5500.0	11000.0	5500.0	5500.0	11000.0	10000.0	10000.0	20000.0
Total number of payments for the period		-	-	-	40.0	40.0	40.0	60.0	60.0	60.0
Total number of payments for the period		-	-	-	40.0	40.0	40.0	60.0	60.0	60.0
1 - The limit for a Cash M transfer is part of the limit for cash withdrawal from an ATM or POS terminal in Bulgaria.
FEES AND COMMISSIONS FOR ISSUING AND OPERATIONS
Issuing and servicing of Visa Classic Revolving Revolving
(1) Issuing								Free of charge
(2) Express issuing/reissuing of the card								EUR 25
(3) Re-issuing of a card after the expiry date								Free of charge
(4) Re-issuing of a card before the expiry date **								EUR 10
(5) Annual service of a main card								EUR 25
(6) Annual service of a supplementary card								EUR 18
Transactional fees
(1) Cash withdrawal fee at Bank's ATM								1.5% + EUR 1.5
(2) ATM withdrawal fee at ATM of other banks in Bulgaria								2.5% + EUR 3.5
(3) Cash withdrawal on POS terminal at Bank's branch counters in Bulgaria								1% + EUR 3
(4) Cash withdrawal on POS terminal at other bank's branch counters in Bulgaria								2.5% + EUR 3.5
(5) Cash withdrawal on POS terminal abroad								3% + EUR 4
(6) Cash withdrawal on ATM abroad								3% + EUR 4
(7) Cash M transfer up to 50 BGN								BGN 4
(8) Cash M transfer from 50.01 to 400 BGN								BGN 8
(9) Payment of goods and services at merchant locations and in Internet in Bulgaria								Free of charge
(10) Payment of goods and services at merchant locations and in Internet abroad								BGN 0.50
(11) Cash back at POS at merchant outlet								BGN 0.30
(12) Transactions at the systems ePay.bg/B-pay								Free of charge
Fees for additional operations
(1) Refund of amounts through International Card Organisation								1.00%
(2) Card blocking on a cardholder request and reissuing ***								EUR 15
(3) Change of PIN code on ATM in Bulgaria								Free of charge
(4) Balance inquiry on ATM in Bulgaria								BGN 0.50
(5) Balance inquiry on ATM abroad								EUR 1
(6) Balance inquiry via ePay.bg/B-pay								BGN 0.50
(7) Balance inquiry on ATM in Bulgaria for the last 5 transactions								BGN 0.20
(8) Extra statement for a period different from the standard one defined by the cardholder								EUR 5
(9) Change of card data								EUR 5
(10) Transfer of amounts through a balance transfer operation per customer request								BGN 20
(11) Receivig a card in other Bank's branches								EUR 5
(12) Fee for unreasonable dispute of transaction made in Bulgaria								BGN 15
(13) Fee for unreasonable dispute of transaction made abroad								EUR 15
(14) Payment through the system for utility and periodic payments of UCB								BGN 0.25
(15) Fee for managing overdue payments (The fee is aplicable for cards activated before 23.07.2014)								EUR 10
(16) Fee on overspending of credit limit (The fee is aplicable for cards activated before 23.07.2014)								EUR 5
(17) Insurance package on a card								Free of charge
(18) Fee for re-registration of the service "Secure Online Payments"								BGN 5
(19) SMS-notification - annual subscription								BGN 5
(20) SMS-notification on related to transactions performed on-line with bank cards ****								BGN 0.15
(21) Checking available account balance via SMS-notification (by using personal access code) ****								BGN 0.10
Note: The items denominated in EUR and BGN are converted in card account currency at the exchange rate quoted by the Bulgarian National Bank of foreign currencies valid at the accounting day


* The limit is a part of the limit for Cash withdrawals on ATM and POS terminal
** The fee is not charged in case of reissuance by recommendation of the bank out of security considerations
*** The fee is not charged in case of automatic blocking by the bank
**** Тhe fee is due and payable by the client of external provider

Tariff

General terms and conditions for bank cards and for providing payment services 315.6 KB

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

Issuance and service
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	PLUS Programme Free of charge insurance Preferential conditions for medical staff

Transaction fees and limits

Transaction fees
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% + 3.5 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

Transaction limits
Parameters	Value
Payment at POS terminal at a merchant outlets	11 000 BGN for 1 transaction 11 000 BGN for 24 hours 20 000 BGN for 7 days
Cash withdrawals from ATM and POS at bank branch in Bulgaria	4 000 BGN for 1 transaction 4 000 BGN for 24 hours 7 000 BGN for 7 days
Cash withdrawals from ATM and from POS at bank branch abroad	1 000 BGN for 1 transaction 4 000 BGN for 24 hours 7000 BGN for 7 days
Total number of payments within a period	40 for 24 hours 60 for 7 days

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 25 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 25.

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.

Apply

In branch of the bank

Apply for the card in any bank branch.

Through the online and mobile banking

Bulbank Online
Bulbank Mobile

PLUS Programme

PLUS Programme is specifically developed for all customers using credit and debit bank cards. Your participation in the programme gives you an opportunity to automatically collect points with card purchases in merchant outlets our partner network.

The collected points can be used for purchase of goods and services in the whole partner network.
Review all current campaigns of our partners.

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

Additional Card Services

Secure Payments on the Internet

Secure payments on the Internet by Virtual PIN. Confirmation of payments at merchants participating in the MasterCard SecureCode and Verified by Visa.