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

BGN 300

Credit limit

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From 500 BGN to 10 000 BGN

Currency

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BGN, EUR

Time limit for issuing

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

Credit limit validity

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2 years

Interest rate

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1,60 %

Card validity

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4 years

Annual fee

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EUR 25

Annual expense ratio

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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

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3% of the approved credit limit

Grace period

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Up to 45 days for purchases at POS terminal

Due date

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From 1st up to 15th of the month

Coverage

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International

Additional card

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Yes, according to the tariff

Functionality

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Chip, magnetic stripe and contactless functionality

Preferential and special programmes

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Programme PLUS
Preferential conditions for medical staff

Card service

Repayment of obligation

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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

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In case of accident or in case of balance inquiry necessity

Statements and notifications

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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

Text File Icon Tariff

General terms and conditions for bank cards and for providing payment services 309.9 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% + 4 EUR
abroad	3% + 4 EUR
Balance inquiry at ATM in Bulgaria	1 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.

Transaction limits
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*.

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:

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