Not issued as of 09.05.2016

Choosing to use a credit limit under the revolving credit card:

  • You receive a grace period of up to 45 days for purchases from commercial entities/ withdrawals from ATM/POS terminals.
  • You receive an uninterrupted access to additional funds, 24 hours a day, 7 days a week, during all 365 days of the year, in Bulgaria and abroad.
  • You pay interest only on the utilized amount (after the end of the grace period).
  • You get a card with a chip, which has a higher protection.
  • You can make the purchase now and pay later with minimal repayment installments.
  • Opportunity for issuance of additional credit cards linked to the account of the card-holder.
  • Possibility for automatic renewal of the contract.
  • An opportunity to use insurance protection against accidents.


The card is to be used for:

  • Payments to commercial entities – stores, restaurants, hotels, agencies, etc. (in Bulgaria and abroad).
  • Withdrawal of cash from ATM/POS terminals (in Bulgaria and abroad)
  • Online purchases


Types of credit  cards

  • MasterCard Standard PayPass
  • MasterCard Gold PayPass
  • Visa Classic


Amount of credit card limit without collateral:
MasterCard Standard and Visa Classic with a chip - minimum BGN 500 - maximum BGN 20 000
MasterCard Gold - minimum BGN 10 000 - maximum BGN 20 000

Amount of credit limit collateralized with a pledge on a financial asset:
MasterCard Standard and Visa Classic with a chip - minimum BGN 1 000 - maximum 95% of the deposit amount when the collateral is in BGN or EUR, and maximum 80% of the deposit amount when the the collateral is in USD, but not more than BGN 200 000;
MasterCard Gold - minimum BGN 10 000 - maximum 95% of the deposit amount when the collateral is in BGN or EUR, and maximum 80% of the deposit amount when the collateral is in USD, but not more than BGN 200 000;

Manner of repayment (options):
The balance on the current account servicing the credit card will be used to repay automatically the debt related to the credit limit, on a daily basis.
Partial - at least 3.50% of the amount of the performed transactions, plus the whole amount of the interest, fees and commissions charged for the period. The minimum monthly payment is formed as 3.50% of the utilized credit limit, plus the interest charged for the specific month, but not less than BGN 50, as well as any overdue interest and principal.
Full repayment - the entire amount of the performed transactions, plus the interest and fees.