Fibank -
Fibank - eMAG
Online requestContactless Payments
BGN 5 per month Maintenance Fee
from BGN 500 up to BGN 50 000 Credit limit
BGN only
Insurance options to protect your card
Fibank-eMAG credit card gives you the opportunity to pay for your purchases in emag.bg in installments
Request a co-branded Fibank-eMAG credit card and you can take the advantage of:
- rescheduling the payments for purchases made with the card on the website www.emag.bg up to 12 equal monthly installments;
- accumulating bonus points for purchases made on emag.bg website.
And even more:
- you can effect payments quickly and conveniently anywhere in the country and around the world;
- make online purchases reliably and securely through 3D protection of your card;
- you are informed in a timely manner about each of your transactions with SMS messages for authorization with bank cards;
- you receive free Travel Abroad insurance from Generali;
- you have the opportunity to make FiHealth Protect insurance, which is free for the first year.
- Apply for a Fibank-eMAG credit card
Quickly and conveniently in a few easy steps without visiting a bank office
Credit card parameters
| Credit Card Types | Visa |
|---|---|
| Account Currency | BGN |
| Interest conditions |
Annual percentage rate of charge (APRC) - 17.54%, calculated on the basis of the following assumptions: the credit limit is 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 terminal at a fixed annual interest rate - 13.9%, and a monthly fee for maintenance of the first card in the amount of BGN 5, due for loan term of 12 months. The total amount due for 12 months amounts to BGN 3,483.95. |
| Grace period without interest | Up to 45 days |
| Minimum repayment installment | 3% of the total obligation on the card, reported on еьъг 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 deferred installments, the installment on the deferred transaction shall be added to the minimum repayment installment. |
| Collateral | Without collateral** |
| Credit limit | It is determined by an individual assessment of creditworthiness. |
| Validity Term | 5 years with the possibility of automatic renewal |
| Maintenance Fee |
|
| Opportunity to issue an additional card | yes |
| Term for card issuance | up to 5 working days, after receiving a telephone confirmation by a credit specialist of the Bank |
| Limits for contactless payments | According to the Second European Payment Services Directive (PSD2), after 31.03.2020 it will be necessary to introduce a PIN for contactless payments in the following cases:According to the Second European Payment Services Directive (PSD2), after 31.03.2020 it will be necessary to introduce a PIN for contactless payments in the following cases:
or
|
| Limits for cash payments and withdrawals | According to the standard limits of the bank |
| 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 | 17,33% 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 13,90%, the total amount due shall be BGN 3483,95 |
