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
Currency
BGN, EUR
Time limit for issuing
5 working days for standard
within 48 hours for express orders
Credit limit validity
2 years
Card validity
4 years
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
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
Additional card
Yes, according to the tariff
Functionality
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
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.
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 |
Special offers by Visa Europe Free insurance Free automatic subscription to Virtual PIN |
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% + 4 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 |
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.
Parameters |
Value |
---|---|
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 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.
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
Other credit card offers

Bulbank Mobile
Open an account and manage your funds using your smartphone without visiting a branch.