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

Mastercard Standard

No annual fee for the first year

Cashback on each purchase

From BGN 500 to BGN 10 000 credit limit

BGN, EUR, USD, GBP

Online request

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	Standard interest rates**: 17.90% annual interest upon payment 18.90% annual interest upon cash withdrawal
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	It is determined by individual assessment of creditworthiness. From BGN 500 to BGN 10,000 or the equivalent amount in EUR and USD or up to GBP 4,500
Period of validity	5 years with the possibility of automatic renewal
Annual maintenance fee****	Promotional terms: No annual fee for the first year No annual fee for each subsequent year with active use of the card Standard terms: BGN 45 or the equivalent amount in foreign currency, incl. in case of failure to meet the conditions for issuing and using promotional credit cards.
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	Virtual card - within minutes, completely remote process. Physical card - up to 3 business days for Sofia and up to 5 business days for branches in the country.
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: when making a sixth consecutive contactless transaction without a PIN or when the total amount of consecutive contactless transactions for which a PIN was not entered reaches 100 BGN. 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."

**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 ".

Application Procedure

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.

Documents