Credit Card VISA Platinum

  • International credit card with higher transaction and credit limit.
  • Maximum protection through chip and PIN tehnology at all ATM and POS terminals.
  • Discounts on your IAPA membership card In more than 20 000 business hotel in leading chains in the world and when rent a car for your travels.
  • The program Visa Luxury Hotel Collection with a selection of benefits and privileges that provide unforgettable emotion to Premium cardholders and special offers on selected categories and interests for your private and business trips.
  • Free of charge insurance "Assistance in travelling and accident"
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Credit Card VISA Platinum
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Features and Fees

Take advantage to high-end card with higher transactional credit limits and various preferences. Visa Platinum provides you guaranteed and secured access to your funds with maximum protectin throu chip an PIN tehnology wherever available the logo of Visa.

Convenience and Security by credit card Visa Platinum. You use special offers with IAPA membership card, offers with program Visa Luxury Hotel Collection and offers for your private and business trips by Visa Europe.


Interest rate

1.60% monthly calculated on the basis of the utilized but not repaid part of the credit limit

Annual fee

100 EUR

Annual expense ratio

25.58% for drawn down credit limit 5 000 BGN, restored for 1 year

Credit limit

30 000 BGN up to 100 000 BGN

Minimum net monthly income

6 000 BGN

Minimum repayment amount

3% of the approved credit limit

Grace period

Up to 45 days for purchases at POS terminals

Due date

From 1st to 15th of the month

Coverage

International

Preferential and special programmes

  • Free of charge Insurance “Assistance in travelling and accident'

  • Automatically activated service Safe payments on the Internet

  • Programme PLUS

Discounts and boutique offers

Boutique offers with your IAPA membership card, with programme Visa Luxury Hotel Collection and Visa Premium offers for your private and business trips.

Functionality

Chip and magnetic stripe

Currency

BGN, EUR and USD

Credit limit validity

2 years

Card validity

4 years

Time limit for issuing

5 working days for standard 3 working days for express

Additional card

Yes, according to the tariff

Liabilities repayment

  • Direct debit - automatic repayment of a minimum repayment amount and all credit card liabilities from other bank accounts
  • Mobile or online banking - repayment of a minimum repayment amount or larger amounts directly to the card account
  • Installments at ATM – with cash deposit  to a credit card account
  • At cashier in the bank branch to a credit card  account

24/7 customer service center

In emergency situations or when you need to check your card balance

Statements and notifications

  • Free of charge monthly statement of account via e-mail
  • Free of charge SMS reminder and e-mail 5 days prior to the date of the amount due and 3 days afterwards

Tariff

Review the full list of the card parameters determined pursuant to the Tariff and the General terms and conditions for bank cards and for provision services via bank card as an online paument tool.

Issuance and service

Parameters

Value

Issuing

No fee

Express issuing/re-issuing

50 EUR

Re-issuing after on the expiry date

No fee

Re-issuing before the expiry date

10 EUR

Annual service fee of a main card

100 EUR

Annual service fee of the additional card

75 EUR

Change of the card parameters

5 EUR

Additional card

Yes

Benefits and package programme

IAPA membership card

Programme Visa Luxury Hotel Collection

Special offers by Visa Europe

Programme PLUS

Free insurance

Free automatic subscription to Virtual PIN

Transactional fees

Parameters

Value

Payment in merchant outlets in the Internet, in Bulgaria

No fee

Payment of goods and services on the Internet, abroad

0.50 BGN

Cash withdrawing from ATM:

of the bank

1,50% + 1.50 EUR

of another banks in Bulgaria

2,50% + 3.50 EUR

abroad

3% + 4 EUR

Balance inquiry at ATM in Bulgaria

0.50 BGN

Transactions in the systems ePay.bg/B-pay

No fee

Cash withdrawal at POS terminal:

in bank branch

1% + 3 EUR

of another banks in Bulgaria

2,50% + 3.50 EUR

abroad

3% + 4 EUR

 

Transaction limits

Parameters

Value

Payment at POS terminal at a merchant outlets

20 000 BGN for 1 transaction

40 000 BGN for 24 hours

60 000 BGN for 7 days

Cash withdrawals of ATM and POS terminal in bank branch in Bulgaria

6 000 BGN for 1 transaction

8 000 BGN for 24 hours

30 000 BGN for 7 days

Cash withdrawals of ATM and POS terminal in bank branch abroad

1 000 BGN for 1 transaction

4 000 BGN for 24 hours

28 000 BGN for 7 days

Total payments within a period

40 for 24 hours

80 for 7 days

Application of the Card

  • Booking and rental services - cars or airline tickets and hotels
  • Payment of products and services offered in merchant outlets at POS terminal in the country and abroad
  • Collection points and payments with points at merchant outlets involved in PLUS Programme
  • Cash withdrawals at ATM and POS terminal in any bank branch
  • Payment of monthly bills for electricity, central heating, phone and other services offered in the Internet through the ePay.bg system (the transaction can be executed after a registration at an ATM)
  • Payment of bills and services from an ATM in Bulgaria through the B-Pay system
  • Account balance, PIN change and information on the last five transactions only at ATMs in Bulgaria

How to Apply

Required documents and terms

  • Minimum net monthly income BGN 6,000
  • Client’s ID card
  • 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 Platinum

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.

Additional Card Services

Other credit card offers

Bulbank Mobile

Install the bank in your mobile phone!

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Install our mobile banking app Bulbank Mobile and manage your accounts anywhere anytime.