Mastercard and Visa International Credit Cards by UBB AD
Experience day-to-day financial freedom and convenience with credit cards of VISA and MasterCard brands by UBB AD.
Contactless credit card payments
For more convenient and fast credit card payments, UBB offers to its clients contactless credit cards of the MasterCard Standard brand.
The biggest advantage when making a contactless payment is that the card stays in your hands all the time, so that you have better control over the shopping process. A contactless card payment may be effected by approaching the card to the contactless POS terminal. The security of the fund transfer is guaranteed by the card’s high-protection chip and also by the adopted contactless and PIN-less payment limit of BGN 25. Contactless payments exceeding this sum require entering a PIN code.
The contactless MasterCard Standard credit cards by UBB also cover all standard payment methods, as well as cash withdrawal. You may use them when paying in shops, restaurants, petrol stations and numerous other sites, free of charge in both Bulgaria, as well as abroad.
You can read the attractive terms for credit cards in "Product parameters" section. Don’t hesitate to bring more convenience into your everyday life!
Deferral of credit card purchases in equal monthly installments
UBB gives its clients the opportunity to pay in monthly installments for their purchases, made with a credit card.
The payment of each accounted purchase, exceeding BGN 100 and made with your credit card, can be deferred in 3, 6, 9 or 12 monthly installments.
The purchase should be made after the recent account statement's date and prior to the date of the next one, while the defferal should be made before any repayment.
All you need to do is contact UBB's Call Centre prior to the date of your card's monthly statement or login your profile in UBB's e-banking.
There will be no surcharge for purchases, deferred via UBB’s new service. You will only pay a fee, as per UBB’s Fees and Commissions Tariff for Individual Clients.
Thorough information on the new service is available in the appended Terms and conditions for deferral of credit card purchases in equal monthly installments.
* This service is accessible only within the Bank’s working hours
To all our cardholders we offer:
- Credit cards with no fees for purchases worldwide.
- UWIN bonus-based loyalty program
- Option for an interest-free grace period of up to 45 days for made purchases (upon full repayment of the total due amount as per the last account statement);
- Option for purchases in equal interest-free installments at specific merchants-partners of UBB AD.
- Free-of-charge and easy access to monthly accounts statements through UPAY, the new e-gateway, at www.ubbpay.bg.
- Free-of-charge SMS message upon each transaction exceeding BGN 100, as well as free-of-charge SMS notification for monthly due amounts and repayment deadlines;
- Option for additional free-of-charge protection against fraudulent transactions on the Internet - UBB 3-D Secure;
- Visa and MasterCard Cash Back – a service, through which you can obtain cash with your cards of VISA or Debit MasterCard brand at cash register points in supermarkets, commercial sites or petrol stations, while shopping.
Take advantage of our credit card offer:
- No application fee.
- 50% discount from the standard annual maintenance fee for the following year to all clients, actively using their cards.*
*Discount from the annual fee for the next year will be available for all clients, who have made a minimum of 24 purchases during the period between accrual of 2 annual fees and have no past due payables.
|Validity Period||2 years|
*Annual Percentage Rate: 27.23 calculated upon:
1) a credit limit of BGN 5 000, fully drawn down through a cash withdrawal at UBB ATMs upon annual interest rate of 17,606%;
2) Cash withdrawal fee - 3% of the transaction value, minimum BGN 4;
3) loan period: 12 months;
4) Total amount due by the client: BGN 5 659,19
|Liability Repayment Period||14 days after the account statement date|
Online Credit Card Application
UBB enables electronic submission of credit card applications.
Please, visit UApply – our online application gateway.
Useful Documents section contains info about the main steps of submitting an application.
- Terms and Conditions for PIN Code Safeguarding Diligence
- Terms and Conditions for Utilization of an Approved Credit Limit effective until July 23, 2014
- Terms and conditions for deferral of credit card purchases in equal monthly installments
- General Terms and Conditions on Payment Services for Individuals
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