Caret Up Icon Back to top button

VISA Platinum

  • International credit card with higher transaction and credit limit.
  • Maximum protection through chip and PIN tehnology at all ATM and POS terminals.
  • 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"
VISA Platinum
Learn more

VISA Platinum


It is simple to get the best.

Apply online for a Visa Platinum credit card with no annual fee for the first year.

Learn moreabout Promo

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.

Minimum net monthly income


6 000 BGN

Credit limit


30 000 BGN up to 100 000 BGN




Time limit for issuing


5 working days for standard

within 48 hours for express orders

Credit limit validity


2 years

Interest rate


1.30 % per month will be charged on the used and not paid part of the credit limit

Card validity


4 years

Annual fee


PROMO - 0 BGN for the first year, then according to the Tariff - EUR 100

Annual expense ratio


16.76 % for drawn down credit limit 30 000 BGN, restored for 1 year

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




Additional card


Yes, according to the tariff



Chip and magnetic stripe

Preferential and special programmes

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

  • Automatically activated service Safe payments on the Internet

  • Programme PLUS

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

Text File Icon 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




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


Additional card


Benefits and package programme

Special offers by Visa Europe

Programme PLUS

Free insurance

Free automatic subscription to Virtual PIN

Transactional fees



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% + 4 EUR


3% + 4 EUR

Balance inquiry at ATM in Bulgaria


Transactions in the systems

No fee

Cash withdrawal at POS terminal:

in bank branch

1% + 3 EUR

of another banks in Bulgaria

2,50% + 3.50 EUR


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



Payment at POS terminal at a merchant outlets

20 000 BGN for 1 transaction

40 000 BGN for 24 hours

100 000 BGN for 7 days

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

8 000 BGN for 1 transaction

10 000 BGN for 24 hours

30 000 BGN for 7 days

Cash withdrawals of ATM and POS terminal in bank branch abroad

2 000 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

150 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

  • 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 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


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

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.


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