• visa-emag

    Fibank - eMAG

    BGN 5 per month Maintenance Fee

    Contactless Payments

    from BGN 500 up to BGN 50 000 Credit limit

    BGN only

    Insurance options to protect your card

    Online request
Our proposal

Take advantage of the benefits of Visa Fibank -eMAG credit card

 

Apply for Visa Fibank-eMAG co-branded credit card and use all the advantages it offers:
  • Deferred payment at the time of purchase of the goods: You have the possibility to reschedule your purchase from eMAG up to 12 installments without interest and without a fee /you can choose among 3, 6, 9 or 12 installments/.
  • You get back up to 10% *of the value of the goods purchased at emag.bg for future purchases 1 point = 1 BGN.

*(Percentage depends on product category)

  • Free period of up to 45 days: 0% interest, if you repay the purchases made within this period, you will not be charged interest.
  • Option to choose a virtual or plastic card:
    • Virtual Fibank - eMAG card – a completely digital process, without the need to visit an office;
    • Plastic card – you can receive your card in Fibank branch of your choice within 5 working days.
  • Free travel abroad insurance from Generali.
And more:
  • you can pay quickly and conveniently anywhere in the country and around the world;
  • you can shop online reliably and securely through 3D protection of your card;
  • you are informed in a timely manner about each of your transactions with the SMS messaging service for bank card authorization;
  • you have the opportunity to subscribe for FiHealth Protect insurance, which is paid for by the Bank, in the first year.



Parameters

Credit card parameters

Card typeVisa 
Credit limit

It is determined by an individual assessment of creditworthiness.

  • plastic card - minimum limit of BGN 500, maximum limit up to BGN 50,000.
  • virtual card - minimum limit of BGN 500, maximum limit up to BGN 10,000.
Currency of the account

BGN

Interest-free grace periodup to 45 days - 0% interest rate when paying for the purchases within this period
Interest rate conditions
  • Payment at a merchant by POS devices - 13.90% annual interest rate
  • Cash withdrawal - 16.90% annual interest rate
Annual percetage rate (APR) - 17.54%, calculated on the basis of the following assumptions: the credit limit is in the amount of BGN 3,000 for a period of 12 months, monthly payment of the minimum repayment installment in the amount of 3% of the amount of repayment (but not less than BGN 10) and under the following assumptions: the amount is fully utilized at a POS device at a fixed annual interest rate of 13.9%, and a monthly maintenance fee for the first card in the amount of BGN 5, payable for the term of the loan 12 months. The total amount due for 12 months is BGN 3,483.95.
CollateralNo collateral
Minimum repayment installment
  • 3% of the total liability on the card reported as of every 19th day of the month, but not less than BGN 10, or the entire amount of the utilized credit limit, if it is less than BGN 10.
  • If there is a transaction with rescheduling of installments, the installment of the rescheduled transaction is added to the minimum repayment installment.
Maintenance fee


  • BGN 5.00 per month for the main card;
  • BGN 3.00 per month for the additional card
Validity period5 years with the opportunity for renewal
Issue time
  • Virtual card – within several minutes, completely remote process
  • Plastic card - up to 3 working days for the city of Sofia and up to 5 working days for the Bank branches in the country, after receiving telephone confirmation by Bank's credit specialist
Additional cardYes
Limits for contactless payments

According to the Second European Directive on Payment Services (PSD2), after 31.03.2020 it will be 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 no PIN has been entered reaches BGN 100.

After each PIN entry, the process will start again.
Limits for cash payments and withdrawals
  • According to the Bank's standard limits
  • At your request, the limits can be changed by visiting a bank office.
Application

After selecting a card, your request will be processed as follows:


  • Fibank eMAG virtual credit card – a completely digital process, without the need to visit an office
  • Plastic card - after processing, you will receive your card at the Fibank branch of your choice within 5 working days.



Documents

Declaration of affiliation

Terms and Conditions

Others

Insurances

Protect your cards with insurance from Fibank