Credit Card VISA Business Credit

  • Control over operational payments You have constant access to resources and optimize your document turnover.
  • Significantly facilitated process of accounting in the company.
  • Opportunity to issue additional cards per employee and determining its limit.
  • Option to repay only a fixed minimum amount each month. No need to repay fully the used credit limit.
  • Guarantee for bookings Car rental, airline tickets, hotels, as well as purchases of goods and services on the Internet.
Credit Card VISA Business Credit
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Features and Fees

Credit Card Visa Business Credit is a practical solution for small and medium enterprises. The card combines speed and security and is the most suitable product to guide your business in a dynamic direction.

Take advantage of the card for business customers and increase the capabilities of your company. 

Business Credit provides detailed information on the management of corporate finance, minimizing bureaucratic operations, gives more control and reduces administration costs of each payment.

Now credit cards Visa Business Credit are offered under promotional conditions!

Credit limit

From 1000 BGN to 50,000 BGN



Time limit for issuing

5 working days for standard

within 48 hours for express

Credit limit validity

2 years

Card validity

4 years

Minimum repayment amount

3% of the approved credit limit.

Grace period

Up to 45 days for purchases on POS terminal.

Upon full repayment of the total amount due by the 15th of the month you do not owe interest on funds used for purchases.

Due date

From 1st to 15th of the month



Additional card

With a possibility


Chip and magnetic stripe

Preferential and special programmes

  • Free Insurance

  • Automatic and free of charge service enabled Secure payments on the Internet

Liabilities repayment

No need to repay fully the used credit limit. You have the opportunity to pay only a minimum fixed amount every month through various channels.

  • 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.

Tariffs and General Terms

Issuance and service




No fee

Express issuing/re-issuing

40 EUR

Re-issuing after on the expiry date

No fee

Re-issuing before the expiry date

10 EUR

Promo Annual service fee of a main card

No fee for the first year, 50 BGN afterwards

Annual service fee of the additional card

35 EUR

Change of the card parameters


Additional card


Benefits and package programmes

Free of charge insurance

Automatically enrolled for Virtual PIN

Transaction charges and fees



Payment in merchant outlets in the country and abroad

No fee

Payment of goods and services in the Internet

No fee

Cash withdrawals at ATM:

of the bank

1,50% + 1.50 EUR

of other banks in Bulgaria

2,50% + 4 EUR


3% + 4 EUR

Balance inquiry at ATM

0.50 BGN

Transactions in systems

No fee

Cash withdrawals at POS terminal:

in a branch of the bank

1% + 3 EUR

of other banks in Bulgaria

2,50% + 4 EUR


3% + 4 EUR


Transaction limits



Payment at POS terminal at merchant outlets

8 000 BGN for 1 transaction

26 000 BGN for 24 hours

36 000 BGN for 7 days

Cash withdrawals at ATM and POS terminal at a bank branch in Bulgaria

2 000 BGN for 1 transaction

4 000 BGN for 24 hours 

14 000 BGN for 7 days

Cash withdrawals at ATM and POS terminal at a bank branch abroad

1 000 BGN for 1 transaction

4 000 BGN for 24 hours 

14 000 BGN for 7 days

Total payments within a period

80 for 24 hours

140 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.
  • Cash withdrawals at ATM and POS terminal in any bank branch.
  • PIN change and information on the last five transactions.
  • Payment of products and services in Internet.
  • Payment of bills and services from an ATM in Bulgaria through the B-Pay system.
  • Account balance at ATMs in Bulgaria and abroad.
  • Send or receive Cash M transfer instantly on every ATM of the bank.

How to Apply

Required documents and terms

  • Client’s ID card
  • Foreigners should a resident permit for Bulgaria
  • Application form for credit card when visiting UniCredit Bulbank branches 

Apply for your VISA Business Credit

In branch of the bank

Apply for the card in any bank branch.

Security Tips

Take care of your financial security by following a few simple rules when using your card.

Additional Card Services

Other Card Offers