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
VISA Classic
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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



Preferential and special programmes

  • Programme PLUS

  • Preferential conditions for medical staff

  • Free insurance


Chip, magnetic stripe and contactless functionality



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

Issuance and service




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


Additional card


Benefits and package programme

PLUS Programme

Free of charge insurance

Preferential conditions for medical staff

Transaction fees



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


3% + 4 EUR

Balance inquiry at ATM in Bulgaria

0.50 BGN

Transactions in the systems

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


3% + 4 EUR


Transaction limits



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 (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 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
  • Foreigners should a resident permit for Bulgaria
  •  Application form for credit card when visiting UniCredit Bulbank branches 

Apply for your VISA Classic


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

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.

Additional Card Services

Other credit card offers

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Bulbank Mobile

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