Fibank -
Mastercard Standard
Online request0% interest rate for the first 3 reporting periods
No annual fee for the first year
Cashback on each purchase
From BGN 500 to BGN 10 000 credit limit
BGN, EUR, USD, GBP
Mastercard Standard credit card from Fibank offers you:
- Fast and convenient withdrawals anywhere in the world;
- Reliable and secure online shopping through 3D protection of your card;
- Fast and timely notification of each of your transactions with the SMS notification service for authorization with bank cards;
- Free "Travel abroad" insurance by Generali;
- Option to conclude "FiHealth Protect" insurance, which is at the expense of the Bank during the first year;
- Opportunity to win cash prizes with the "Bring a client" program.
Credit card parameters
| Credit Card Types | Mastercard Standard |
|---|---|
| Account Currency | BGN, EUR, USD, GBP |
| Interest conditions | Promotional interest rates*:
Standard interest rates**:
|
| Interest-free grace period | Up to 45 days |
| Minimum repayment installment | 3% of the used credit limit, min. BGN 10.00 |
| Collateral | No collateral is required*** |
| Credit limit |
|
| Period of validity | 5 years with the possibility of automatic renewal |
| Annual maintenance fee**** | Promotional terms:
Standard terms:
|
| Cashback | When paying with a credit card at a retail outlet in Bulgaria or abroad, if you reach a turnover of at least BGN 4,000 in 6 months, you receive 0.5% of the turnover, maximum BGN 250. |
| Additional card | Yes |
| Period of issuance |
|
| Limits for contactless payments | According to the Second European Payment Services Directive (PSD2), after 31.03.2020, it is necessary to enter a PIN for contactless payments in the following cases:
or
After each PIN entry, the process starts again. |
| APR (annual percentage rate of costs) | Example of APR: "19.74% with a credit limit of BGN 3,000, term of 1 year. The amount was fully utilized through a POS terminal device, at an annual interest rate of 17.90%, total amount due will be BGN 3,545.95." |
* Promotional interest rates:
The specified interest rate is promotional and it is valid for contracts concluded during the campaign period 21.08.2024 - 31.12.2024. During this period, clients who have applied for and activated a credit card for the first 3 (three) reporting periods from the date of issuance of the Card shall pay a promotional interest rate of 0%, provided that they have successfully passed an individual criterion in the approval process, have paid the amount of the minimum repayment installment and have no overdue payments for more than 30 (thirty) days from the due date of each payment due to the Bank. In case of failure to fulfill any of the conditions under the previous sentence, starting from the date of failure, the client shall pay the agreed amount of annual interest according to the concluded Contract.
**Standard interest rates:
They shall be applied to contracts for newly issued credit cards after 10.10.2022. Detailed information on the interest rates for credit card contracts concluded before this date can be found in the "Fibank Interest Rate Bulletin".
***At the Bank's discretion, collateral may be required.
****Annual maintenance fee:
Promotional terms: The condition relating to the fee is promotional. Detailed information on the promotional terms and period can be found here.
Standard terms: Detailed information on the fees payable on credit cards can be found in the "Tariff of Fees and Commissions of Fibank ".
You can apply easily and conveniently in one of the following ways:
After selecting a card, your application will be processed as follows:
- Virtual credit card – a completely digital process, without the need to visit an office
- Physical card – after processing, you will receive your card at your previously selected Fibank office within 3 business days for the city of Sofia and up to 5 business days for the country.
