Business Credit Card Visa / Business Credit Cards / Cards / Business / Fibank

Visa Business Debit

Up to BGN 50 000

Effective monitoring of the corporate expenses

You can use a corporate loan without having any funds blocked

No fee for card issuance

With business credit cards from Fibank, you can have:

secured working capital for the next 5 years;
ability to withdraw cash and shop anywhere in the world 24 hours a day;
use the limit by one or more employees using card registered by name;
accountability for each payment through an account statement;
medical insurance when traveling abroad
Lounge Key
Free access to the Aspire business lounge at Sofia Airport.

As a cardholder of a Premium or Business Visa credit card, you have the opportunity to benefit from free access to Aspire business lounge at Sofia Airport by notifying the staff at the lounge entrance and presenting your Visa payment card. The service is not tied to the Lounge Key program.

Fibank and Visa welcome you to LoungeKey, the experience program in airport areas and lounges.

Now you have access to 1200+ airport lounges and experiences around the world, regardless of your airline or travel class. Register your LoungeKey account at www.loungekey.com/fibank.

How do I access the lounges?

Download the LoungeKey app or visit the LoungeKey website at www.loungekey.com/fibank to register.
Log in to the system and check the lounges available to you
When you arrive at the lounge, you will need to show your Digital LoungeKey card or Visa Business card and boarding pass to enter
Your visit will be registered by reading your Digital LoungeKey card or Visa Business card

Where can I find my Digital LoungeKey card?

Once you've registered, you'll be able to view your Digital LoungeKey card on the LoungeKey app or website. Your Digital LoungeKey card gives you contactless access to the lounges for a more comfortable stay at the airport.

Prices and payment methods:
As Fibank customers, you will pay a preferential fee for your visit to a selected lounge:

card	Holder visit fee	Companion visit fee	Payment method
Visa Platinum	EUR 30	EUR 30 for each companion	With card, in cash

The changed price for visiting an airport lounge is effective as of 01 October 2023.

The international business credit card from Fibank provides you with:

high credit rating;
prestige and trust;
credit history - guarantor for your business;
banking culture and new opportunities.

Card Parameters:

Currency of account	BGN, EUR, USD
Validity period	5 years
Interest-free grace period	up to 45 days - only for an international business credit card with a grace period
Credit Limit	Up to BGN 50 000

Card Types:

You choose the card that will meet your needs:

Business credit card with grace period

a grace period of up to 45 days;
minimum monthly installment in the amount of 5% of the debit balance as of the last day of the reporting period.

Business credit card with no minimum monthly installment

no grace period;
without commitment to monitor and repay minimum monthly installments - repayment takes place at any time, through any receipt on your account

Appllication Procedure

You can submit an Application for issuing international business credit cards:

at a Fibank office

Fibank's international Business credit cards can be issued to legal entities or natural persons engaged in economic activity, as well as to non-profit organizations, non-governmental organizations, etc., which meet Fibank's requirements for assessing their solvency.

Required documents:

Application for issuance of international business credit cards (according to Fibank sample form);
Declaration of affiliation with other persons (according to Fibank sample form) - original;
Annual tax return;
Financial statements for the previous year and the last reporting period;
Identity document of the person representing the credit applicant;

For persons who are not subject to registration in the Commercial Register at the Registry Agency (non-profit organizations, non-governmental organizations), the following documents are also required:

Current court registration;
Memorandum of Association (Statutes/ Articles of Association);
BULSTAT registration

First Investment Bank business credit cards provide you with:

Credit facility:

you use company credit without blocking funds;

Attractive terms:

no issuance fee;
short term for approving the credit limit - yes 2 working days;
short term for issuing the credit card - up to 4 working days for Sofia and up to 5 working days for the country.

Convenience:

you have more funds available anywhere in the world, 24 hours a day, 7 days a week;
you pay in shops and/or on the Internet;
withdraw cash at ATMs or at bank office anywhere in the world.

Control and optimization of your business expenses:

effective monitoring of company expenses - cards issued in the name of the company are serviced by a special card account;
monthly, the Bank provides you with a detailed statement of the movements on each of the cards to your account - this allows you to control your employees when they are on a business trip;
quick and easy company reporting - each statement is a valid accounting document.

Security:

maximum security and protection against misuse through the new chip technology;
receive an SMS notification immediately after each authorized payment if you have previously registered for "SMStatus" service;
round-the-clock service from Fibank's Card Center, where you can call in case of need.

Flexibility:

You can issue several credit cards to your card account, according to the needs of the company.

Free travel insurance:

When using the card to purchase a travel package or pay for a hotel stay, plane ticket, car rental or other service related to travel abroad, each holder of Visa or MasterCard credit card by Fibank receives free medical insurance with coverage up to USD 35 000 for 16 types of insurance events.