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.

Visa Premium Concierge Bulgaria 2.6 MB

Preferences 516.4 KB

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

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

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

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

Terms and fees for issuance and service

Tariff

General terms and conditions for bank cards and for providing payment services 689.3 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	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% + 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.

Transaction limits
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*.

LEARN MORE

*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.

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.