Mastercard Standard / Mastercard / Credit Cards / Cards / Personal Banking / Fibank

Mastercard Standard

BGN 45 Annual maintenance fee (no annual fee with active use of the credit card)

Contactless Payments

Maximum amount up to BGN 10 000

BGN, EUR, USD, GBP

Online request

Мastercard PayPass by Fibank

The international contactless credit cards issued by Fibank offer you:

you pay quickly and comfortably from anywhere in the world;
you can shop reliable and secure on the internet by using the 3D protection of your card;
you receive fast and timely notification of each transaction you make with the SMS notification for authorization with bank cards service;
you receive Travel Abroad Insurance by Generali free of charge.
possibility to conclude FiHealth Protect Insurance, which is free of charge for the first year and is offered by FiHealth Insurance especially for Fibank customers holfing credit cards.

Credit Card Parameters:

Credit Card Types	Мastercard PayPass
Account Currency	BGN, EUR, USD, GBP
Interest conditions	In accordance with the Bulletin of Interest Rates
Payment at a retail outlet through POS	17.90%*
Cash withdrawal	18.90%*
Grace period without interest	Up to 45 days
Minimum repayment installment	3% of the credit limit used min. BGN 10.00
Collateral	Without collateral**
Credit limit	It is determined by an individual creditworthiness assessment. Maximum amount up to BGN 10 000 or the equivalent amount in EUR, USD or GBP
Validity Term	5 years with a possibility of automatic renewal
Annual Maintenance Fee	BGN 45 or the equivalent amount in foreign currency for credit limit up to VFB 10 000 or the equivalent amount in foreign currency***
Opportunity to issue an additional card	Yes
Cashback	When paying with the credit card in a commercial outlet in Bulgaria or abroad, and you reach a turnover of at least BGN 4,000 in 6 months, you will receive 0.5% of the turnover, a maximum of BGN 250.
Term for card issuance	Up to 3 working days for the city of Sofia and up to 5 working days for the branches in the country, after received telephone confirmation by Bank's credit specialist"
FiHealth Protect Insurance	Opportunity to conclude FiHealth Protect Insurance, which is free of charge for the first year and is offered by FiHealth Insurance specifically for Fibank customers holding credit cards
Travel Abroad Insurance by Generali	Free of charge
Example of APR	19.74% for a credit limit of BGN 3,000, term of 1 year. The amount is fully absorbed at a POS terminal device at an annual interest rate of 17.90%, the total amount due shall be BGN 3545.95

* For new credit card contracts signed after 10.10.2022. Detailed information on interest rates conditions under credit card contracts concluded before this date can be found in the Fibank Interest Rate Bulletin
** At the discretion of the Bank, collateral may be required.
*** Detailed information can be found in the Fibank Tariff

And more information:

If you repay your entire obligation within the grace period, you will not be charged interest on the amounts paid or withdrawn in cash.
You have a variety of options for repaying your credit card obligations by:

Deposits in cash Fibank office;
Deposit in cash Fibank ATM;
My Fibank online banking;
your smart phone with My Fibank Mobile Application;
transfer from another bank on the account of your credit card in Fibank;
using the service Automatic repayment of obligations on the credit card of Fibank.

How to apply

You can apply for a credit card by Fibank in one of the following manners:

by submitting оnline request;
by My Fibank online banking;
by My Fibank Mobile Application;
by phone *bank (*2265);
on site at Fibank office.

After processing your credit card request, up to 3 business days for Sofia and up to 5 business days for the country, you will receive your card at the Fibank office, which you have selected in advance.

Application Procedure

You can apply for issuance of a credit card by Fibank using one of the following ways:

by submitting online application;
by a single phone call at number *bank (*2265) and our officer will assist you with completing the application;
on the spot at branch of Fibank.

After processing your application for a credit card within 3 working days for Sofia and 5 working days for the country, you will receive your card at the branch of Fibank you have chosen.

Renewal of revolving credit cards:

renewal due to the expiry of the validity of the credit card:

The validity of the credit card* is 5 years and it shall be renewed automatically after this period. You can get your credit card reissued after the 20th day of the month of expiry at the bank branch where you originally filled the application for issuance.
* On the front side of your card, you can see embossed numbers indicating the validity of the card in the following format: VALID 04/20 THRU, where the first two numbers indicate the month, the second two - the year. This means that in the example shown the card is valid until the end of April 2020.

reissue of a card due to theft, loss, forgotten PIN code or other reasons:

If your card is stolen or lost, if you forget your PIN code or any other reason necessitates the reissue of the card, you need to visit a bank branch and present an identification document. Reissue of a card is charged at the Tariff of Fibank.

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