Fibank -
Visa Classic
Online requestBGN 45 annual fee for each subsequent year (annual fee free for active use)
Cashback for each purchase
Credit limit from BGN 500 up to BGN 10 000
BGN, EUR, USD, GBP
Credit Card Visa Classic by Fibank offers You:
- Fast and convenient payment at any point in the world;
- Safe and secure online shopping via 3D protection of Your Card;
- Fast and timely notification of each of Your transactions with the SMS messaging service for authorization with bank cards;
- Free insurance "Travel Abroad" by Generali;
- Possibility to conclude the insurance "FiHealth Protect", which is charged to the Bank during the first year;
- Possibility to win cash prizes with the Program "Bring a Client".
Credit Card Parameters
| Credit Card Types | Visa Classic |
|---|---|
| Account Currency | BGN, EUR, USD, GBP |
| Interest rate terms | Standard interest rate terms**:
18.90% annual interest rate upon cash withdrawal |
| Interest free grace period | Up to 45 days |
| Minimum repayment instalment | 3% of the credit limit spent, min. BGN 10.00 |
| Security*** | Security free |
| Credit limit |
|
| Term of validity | 5 years with automatic renewal option |
| Annual maintenance fee**** | Promotional conditions:
Standard conditions:
|
| Cashback | Upon payment with a credit card in a point of sale in Bulgaria or abroad, upon reaching a turnover of min. BGN 4 000 for 6 months, You get 0.5% of the turnover, max. BGN 250. |
| Additional card | Yes |
| Term for issuance |
|
| Contactless payment limits | Under 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 restarts. |
| APR (Annual Percentage Rate) | APR example: "19.74% with a credit limit of BGN 3000, 1-year term. The amount is drawn in full through a POS terminal, at an annual interest rate of 17.90%, total amount due of BGN 3,545.95" |
**Standard interest rate terms:
Valid for contracts to newly issued credit cards after 10.10.2022 . Detailed information on the interest rate terms for credit card contracts concluded before this date can be found in "Fibank Bulletin of Interest Rates".
***A security may be required at the Bank's discretion.
****Annual maintenance fee:
Promotional conditions: The fee condition is promotional. Detailed information on promotional terms and conditions can be found here.
Standard conditions: Detailed information on credit card fees payable can be found in "Tariff of Fees and Commissions of Fibank".
Apply easily and conveniently in one of the following ways:
After choosing a card, Your request will be processed as follows:
- Virtual credit Card– fully digital process, no need to visit an office
- Card with a physical carrier – after processing You will receive Your Card at Your pre-selected branch of Fibank within a term of up to 3 working days in Sofia and within a term of up to 5 working days in the country.
