UBB credit cards of Visa Gold and MasterCard Gold brands

Credit Cards of Visa Gold and MasterCard Gold brands from UBB - a golden opportunity to combine safety, convenience and prestige into one.

Advantages of UBB gold credit cards

UBB Gold Credit Card is a symbol of high standard and a guarantee that any time you wish to combine travel and purchases, or when you are having an important business dinner, or you are on a family vacation, or you want to impress the people around, or bring joy into the life of your beloved ones, you will get simply and solely the best:  
UBB Gold Credit Card (Visa Gold or MasterCard Gold) is a special card also because:

  • it goes with additional preferential conditions and you have the opportunity to make the most of various special proposals.
  • it is a reliable travel companion with a special free-of-charge Travel Abroad insurance and no fee for purchases worldwide.
  • it enables your participation in the UWIN bonus-based loyalty program;
  • UBB offers modern on-line services to its cardholders through the Bank’s UPAY gateway at www.ubbpay.bg.
  • 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.

Special offers

Take advantage of our special offers for discounts as a holder of Gold Credit Cards VISA and MasterCard® from UBB!

  • TIMELAND - 15 %*
  • EUROOPTIC - 22 %*
  • OPTICLASA - 20 %*

* Discounts will be made available at the merchant’s locations and will be applicable only to regularly priced products. The offer excludes seasonal sale campaigns or combinations of other discounts and promotions.

Find out more offers by MasterCard®Visa.


Insurance under the UBB Gold Credit Card

Since UBB Gold credit card has been created to meet the highest of your requirements, especially to gold cardholders UBB offers gratuitous  Travel Abroad and Bank Card and Documents insurance package with a wide range of the insurance cover.

Insurance Coverage Insurance Benefit
Medical expenses due to an accident or acute illness30 000 EUR
Expenses for medical transportation and repatriationunlimited
Expenses for emergency dental treatment300 EUR
Organising an emergency visit of a relative if the Insured is hospitalised for more than 7 daysexpenses for a round-trip air ticket (tourist class)
Repatriation of minorscosts of return to Bulgaria
Death due to an accident occurring abroad25 000 EUR
Permanent disability due to an accident25 000 EUR
Supply of medicinesunlimited
Transmission of urgent messagesunlimited
Unforeseen return of the Insured to Bulgariareturn costs by air or train
Delay of flight for more than 6 hours160 EUR
Baggage searchunlimited
Loss of luggage500 EUR
Legal assistance2 000 EUR
Advance payment in case of impossibility to use credit card1 500 EUR
Gold Protection InsuranceAmount
Lost/Stolen Card Abuse300 BGN per card
Documents and/or keys lost/stolen with the card150 BGN aggregate per card
Purchase protection1 000 BGN aggregate per card

General terms and useful tips

To get the most out of our services we offer you to consult Useful Documents Section and get acquainted with the updated:

  • General Terms on Payment Services for Individuals;
  • Terms and Conditions for PIN Code Safeguarding Diligence;
  • The Terms and Conditions for Utilizing an Approved Credit Limit;

Full archive of documents is available at  www.ubb.bg/obshti_uslovia_za_inidividualni_klienti

Product parameters



Validity Period

2 years




  • Minimum credit limit BGN 5 000
  • Maximum credit limit BGN 20 000

Interest rate

  • 15.90%  - upon purchase
  • 15.90% - upon cash withdrawal*

*Annual Percentage Rate: 25.57  calculated upon:

1) a credit limit of BGN 10 000, fully drawn down through a cash withdrawal at UBB ATMs upon annual interest rate of 15,90%;

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 11 242.03

Transaction Limits

  • Purchases – 100% of the approved credit limit amount
  • Cash withdrawal – standard limit, equaling 50% of the approved credit limit amount.
  • Number of transactions – 50 per week

Liability Repayment Period

24 days after the account statement date


  • Automatically from an account (an account in BGN, opened with UBB);
  • Through a fund transfer from an account at a bank’s branch or through UBB e-banking;
  • Through cash installments at a branch or at specific UBB ATMs;
  • Via the Call Center - 0700 117 17;
Or give us a call
0700 117 17
Short number for local calls by Bulgarian mobile network subscribers
+3592 483 1717
For local and international calls
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