International Credit Cards – Mastercard and Visa

Order your credit card now!

Dial 0800 15015 now! From 9 a.m. till 9 p.m! Any business day! This number is valid throughout the country*
 
UBB operators will do the routine application steps on your behalf and our couriers will deliver the documents for signing at a location, specified by you – at your home or office! You can receive the credit card at the UBB branch of your choice!
 
Enhance your standard of living with the VISA and MasterCard credit cards of UBB!
 
What are the features of the new UBB credit card?
  • An international credit card which allows you to dispose with additional funds for your everyday needs up to a credit limit, determined by the Bank
  •  The issuance of a credit card does not require a blocked account balance
Purpose:
  • Purchases at commercial sites – shops, restaurants, hotels, agencies, etc. (in Bulgaria and abroad)
  • Purchases at equal installments in commercial chains, partners of UBB
  • Cash withdrawal at ATMs (in Bulgaria and abroad)
  • Cash advance at bank branches (in Bulgaria and abroad)
  • On line purchases
The card is accepted for payment at devices or in commercial sites bearing the logo of the respective card organization (Visa, MasterCard).
 
Advantages of UBB credit card:
  • A grace period of 45 days for purchases made at merchants (upon full repayment of the total due amount from the latest account statement)
  • You have non-stop access to additional funds 24/7/ 365, in Bulgaria and abroad
  • You pay interest only on the amount spent
  • Option to apply through Internet
  • You receive a free-of-charge SMS upon each effected transaction for an amount exceeding BGN 100
  • A chip card which features a higher level of protection
  • Utilities payment option
  • Option for purchases in interest-free instalments at merchants
  • Visa cash back – you can obtain cash advance using your VISA card when paying at a supermarket, a commercial site or a petrol station
  • You shop now and repay minimum monthly instalments
  • Insurance cover option against accident, loss/theft of identity documents
  • 50% discount of the annual fee upon minimum 2 transactions per month
Credit limit
  • The credit limit amount is determined by the Bank after assessment of the declared data in the Application Form and the presented certificates of income
  • The credit card limits determined by the Bank are as follows: BGN 500, 1000, 2000, 3000, 4000, 5000, 7000 or 10000
  • The credit limit is reduced upon effecting transactions with the card and is renewed after each depositing of funds to the card  
Credit card types
  • MasterCard
  • VISA
  • VISA Electron 
Transaction Limits
  • Purchases  – 100% of the credit limit
  • Cash withdrawal – 50% of the credit limit
Interest Rates
  • Upon payment – 16.50% /For Visa Electron – 17.50%/
  • Upon cash withdrawal – 18.50%
Credit card validity period - 2 years
 
Information on the card usage: Each month you receive detailed information about the transactions effected with the card, the minimum and total due amount, the accrued interest and fees.
 
Ways of receiving account statements:
  • At an address, specified by the client  
  • At any branch of UBB (free-of-charge upon request)
  • Summary account statement at any UBB ATM during business hours of the bank
  • Over the phone – 0700 117 17
Obligations repayment deadline: Monthly, 14 days after the account statement date
 
Repayment types:
  • Partial repayment – minimum 3% of the amount of effected transactions and the whole amount of accrued interest, fees and commission over the period. The minimum monthly amount to be repaid shall not be less than BGN 10
  • Full repayment – the whole amount of the effected transactions, interest and fees
Ways of repayment:
Upon filling in a Credit Card Application form you will select the repayment option that suits you best, as it can be subject to subsequent amendment:
  • Cash installments – at any UBB branch upon presenting the credit card (or against the credit card number)
  • Automatically from an account (a BGN account with UBB AD)
  • Through a transfer from an account via Internet banking (through an explicit payment order from an account with UBB AD)
  • Through depositing cash at certain ATMs of UBB
  • Through the Customer Service Centre – 0700 117 17
  • It is not possible to deposit funds to a credit card with a transfer or installment from another bank  
Who can apply for a credit card?
  • Bulgarian citizens
  • Men aged between 23 and 65 years and women between 23 and 65 years
  • Having sufficient income to repay their obligations
  • People working under:  
    • Contract of employment
    • Civil contracts, freelancers, etc.
Necessary documents for applying
  • Application form
  • Identity card
  • Certificate of income

*  Phone No 0800 15015 can be dialed free of charge from digital phones, or at the price of a local call for analogue subscribers