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VISA Classic Shopping Card

  • Contactless credit card With a payment deferral functionality for purchases exceeding BGN 50 in installments over a period up to 36 months
  • Promotional monthly interest rate 0% fee for deferred payment in 3 installments on a POS terminal of UniCredit Bulbank or in Bulbank Mobile.
  • Promotional annual service fee BGN 0 for the first year; after this period - reduced to BGN 25
  • Minimum repayment installment 3% of the credit limit or total current due amount
VISA Classic Shopping Card

VISA Classic Shopping Card


VISA Classic Shopping Card is an international contactless credit card with a deferral functionality for purchases paid in installments.  You can use the card to defer your purchase exceeding BGN 100 for a period of 3, 6, 9, 10, 12, 18, 24 or 36 months.  Payment deferral is possible:


  • At the time of the purchase at a POS terminal device of the bank, if the device supports this functionality. In case the purchase is deferred in installments, a fee shall be charged as per the tariff of the bank for individuals. It shall be calculated as a % of the purchase price according to the selected number of installments. The fee shall be deducted from the limit together with the initial purchase and shall be paid in equal portions along with each monthly installment.  
  • Via Bulbank Mobile or Bulbank Online following a standard purchase at a POS terminal device of any bank. The payment can be deferred in installments via the mobile banking or the online banking service in the month when it was booked.

Credit limit


from BGN 500 to BGN 10,000




Time limit for issuing


Standard - within 5 working days

Interest rate


1.35% for payments at merchant outlets, on the Internet or cash withdrawals at ATMs

Annual expense ratio


Example: 17.46% with a repayment term of 12 months, utilized loan limit of BGN 1,000, monthly installment - 9% of the amount of the utilized limit and a monthly interest rate of 1.35%

Card validity


4 years

Annual fee


Promotional BGN 0 for the first year, after this period - reduced to BGN 25

Deferral of payment


At the time of purchase on POS terminals of UniCredit Bulbank or later on in Bulbank Mobile or Bulbank Online.

Minimum repayment amount


3% of the authorized credit limit or total current due amount

Grace period


up to 45 days for purchases at a POS terminal device

Due date


Between the 1st and the 15th day of the month

Blocking/ Activating a card


You manage the status of your card for free on your own via Bulbank Mobile

24/7 Call center


In case you have any questions or experienced an incident related to your card - 0700 184 84

How can I defer a payment?
You can defer your payments in the merchant outlet when you make a purchase at a POS terminal device of UniCredit Bulbank or in the month it’s booked, via Bulbank Online or Bulbank Mobile.

What is the term for deferral.?

A particular purchase can be deferred in installments after its registration in Bulbank Mobile or Bulbank Online within the same accounting period.

Can I defer payment of a purchase if it was made at a POS terminal device of another bank?

Yes, via Bulbank Online or Bulbank Mobile.

What are the possible periods for payment deferral?

When you defer a payment, you can select one of the following periods: 3, 6, 9, 10, 12, 18, 24, 36 months.

Is it possible to defer any payment?

You can defer payments made with VISA Classic Shopping card exceeding BGN 100.

The transactions that cannot be deferred are:

  • Cash withdrawal at an ATM
  • Cash back
  • Betting transactions
  • Transactions at a POS terminal device at a casino

Text File Icon Tariff

View the full Tariff, as well as the General terms and conditions

Issuance and service




Free of charge

Express issuing/re-issuing                            

25 EUR

Re-issuing after on the  expiry date                               

Free of charge

Re-issuing before the expiry date

10 EUR

Annual service fee of a main card 25 EUR

Annual service fee of the additional card 

18 EUR

Change of  the card parameters


Additional card


Benefits and package programme

PLUS Programme

Transaction fees



Payment in merchant outlets and in Internet, in Bulgaria

Free of charge

Payment of goods and services in the Internet, abroad

0.50 BGN

Withdrawing cash at ATM:

of the bank

1,50% + 1.50 EUR

of another banks in Bulgaria

2,50% + 3.50 EUR


3% + 4 EUR

Balance inquiry at ATM in Bulgaria

0.50 BGN

Transactions in the systems

Free of charge

Cash withdrawal at POS terminal:

in branch of the bank

1% + 3 EUR

of another banks in Bulgaria

2,50% + 3.5 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

11 000 BGN for 1 transaction

11 000 BGN for 24 hours

30 000 BGN for 7 days

Cash withdrawals from ATM and POS at bank branch in Bulgaria

4 000 BGN for 1 transaction

6 000 BGN for 24 hours

15 000 BGN for 7 days

Cash withdrawals from ATM and from POS at bank branch abroad

2 000 BGN for 1 transaction

4 000 BGN for 24 hours

10 000 BGN for 7 days

Total number of payments within a period

40 for  24 hours

100 for 7 days

Delivery and activation

Choose the way of receiving and activating your VISA Classic Shopping card:



Receive the card at a bank branch and activate it at an ATM*


  1. Have your PIN envelope ready and insert the card in the ATM.
  2. Select the “Other services” menu.
  3. Select the “PIN management” and then press “Change PIN”.
  4. Enter your initial PIN from the envelope.
  5. Enter and confirm your new PIN code.
  6. Remember your new PIN and destroy the envelope.
  7. Here it is! Your card has been activated.

See more

After you receive your card at a bank branch, you can activate it on your own by changing your initial PIN code at an ATM of UniCredit Bulbank AD or at any other ATM with the Borica AD* logo.

Having the card delivered at an address and activating it via e-PIN


  1. Log into Bulbank Mobile.
  2. Find the inactive card, appearing in gray, and compare the last four digits.
  3. Select the option “Card activation”.
  4. Enter the individual card activation code from the accompanying letter.
  5. Remember your card PIN displayed on the screen.
  6. It is now ready! Your card has been activated!

Card application

  • Make contactless payments at a POS terminal device, without entering a PIN for amounts of up to BGN 100 in Bulgaria.
  • Collect points and use them to pay at merchant outlets that are part of the PLUS Program.
  • Rent cars, book airline tickets and hotel rooms.
  • Pay for various goods and services on the Internet.
  • Withdraw cash from ATMs and POS terminal devices at a bank branch.

  • Pay bills and pay for services at ATMs in Bulgaria via the B-Pay system.
  • Cash M Transfer – you can order or receive a transfer instantly at any ATM of the bank.


Necessary documents and conditions:

  • Identity card of the customer.
  • Personal data processing consent and declaration on awareness of customer’s rights. 
  • Capable Bulgarian citizen from 18 to 64 years of age.

Request your Visa Classic Shopping card:  


Fill in the online form and our consultant will contact you.


At a bank branch

Request your card at any branch of the bank.

Via Call Center of UniCredit Consumer Financing

On 0700 11 660

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.

Additional Card Services

Other credit card offers