VISA Classic
- International credit card that you can use for booking and rental services of cars or airline tickets and hotels.
- Maximum protection through chip and Pin tehnologyat at all ATM and POS terminals.
- Contactless payment your daily purchases are faster and easier.
- Automatic participation in Programme PLUS You collect and spend points in any card purchase in our partnership network.
- Free of charge insurance "Assistance in travelling and accident for bank cards' owners" from Generali Insurance
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
1.60% per month will be charged on the used and unpaid amount of the loan limit
Annual fee
25 EUR
Annual expense ratio
Example: 20.99% of the used credit limit of 1000 BGN restored for 1 year
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
within 48 hours for express orders
Additional card
Yes, according to the tariff
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% + 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 |
|
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 |
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 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.
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
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.
SMS Notification
Receive information about payments, withdrawals and balances on your bank card via SMS.
Infodirect
Infodirect is a convenient information service that tracks every movement on your account and you receive short SMS or e-mail messages.
Bank Card Insurances
Insure your debit or credit card, and items you carry with it against unforeseen events.
Modula Program
Save up to 40% of the monthly fees with the Modula Program. You use banking products and services of your choice and pay a joint monthly fee.
Transfers in BGN „Cash M Transfer“
Fast and secure transfers in BGN, no account needed. „Cash M Transfer“ is accessible on the ATM machines of the bank throughout the country.
Other credit card offers
VISA Classic Donna
Credit card VISA Donna is specially designed for ladies and allows for up to 70% attractive discounts in over 600 retail stores in the country.
VISA Gold
Credit card Visa Gold with high transaction and credit limits. You get maximum protection when using ATMs and POS terminals.
