Caret Up Icon Back to top button

VISA Classic

  • Contactless payment your daily purchases are faster and easier.
  • 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
apply
VISA Classic
Learn more

VISA Classic

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

Icon

BGN 300

Credit limit

Icon

From 500 BGN to 10 000 BGN

Currency

Icon

BGN, EUR

Time limit for issuing

Icon

5 working days for standard orders within 48 hours for express orders

Credit limit validity

Icon

2 years

Interest rate

Icon

1,60 %

Card validity

Icon

4 years

Annual fee

Icon

EUR 25

Annual expense ratio

Icon

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

Icon

3% of the approved credit limit

Grace period

Icon

Up to 45 days for purchases at POS terminal

Due date

Icon

From 1st up to 15th of the month

Coverage

Icon

International

Additional card

Icon

Yes, according to the tariff

Functionality

Icon

Chip, magnetic stripe and contactless functionality

Preferential and special programmes

Icon
  • Programme PLUS
  • Preferential conditions for medical staff

Repayment of obligation

Icon
  • 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

Icon

In case of accident or in case of balance inquiry necessity

Statements and notifications

Icon
  • 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*.

LEARN MORE

*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:

  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
  • 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

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.

Additional Card Services

Other credit card offers