Credit Card VISA Platinum - UniCredit Bulbank

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

Card service

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

Terms and fees for issuance and service

Tariff

General terms and conditions for bank cards and for providing payment services 315.6 KB

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

Transaction fees and limits

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.

On Internet payments

On payments at POS terminals

On cash withdrawals at ATMs

When travelling

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.