Fibank -
Visa Gold
Online requestBGN 100 annual fee for each subsequent year (annual fee free for active use)
Cashback for each purchase
Credit limit from BGN 5 000 up to BGN 20 000
BGN, EUR, USD
Lounge Key
Visa Gold Credit Card by Fibank offers You:
- Higher credit limit;
- Higher coverage of the free insurance "Travel Abroad" by Generali;
- Possibility to conclude the insurance "FiHealth Protect", which is charged to the Bank during the first year;
- Privileges and Special Offers;
- Participation in bonus programs;
- Special membership in Lounge Key Program;
- Free access to the Aspire Business Lounge at Sofia Airport;
- Possibility to win cash prizes with the "Bring a Client" Program.
As a Premium or Business Credit Card Visa cardholder you have the opportunity to benefit from free access to the Aspire Business Lounge at Sofia Airport by notifying the staff at the entrance of the Lounge and physically presenting Your Visa payment card. This service is not linked to the Lounge Key Program.
Lounge Key
Fibank and Visa welcome You to LoungeKey - the Program for airport and lounge experiences.
You now have access to 1200+ airport lounges and experiences worldwide, regardless of Your airline or passenger class. Register Your profile in LoungeKey at https://www.loungekey.com/fibankvisa.
- How do I access the lounges?
- Download the LoungeKey app or visit the website of LoungeKey https://www.loungekey.com/fibankvisa, in order to register.
- Log in and check the lounges available to You
- When You arrive at the salon, You will need to show Your Digital LoungeKey Card or Visa Gold and boarding pass to enter
- Your visit will be registered by reading Your Digital LoungeKey Card or Visa Gold
- Where to find my Digital LoungeKey Card?
Once You register, You will be able to see Your Digital LoungeKey Card in the app or on the website of LoungeKey. Your Digital LoungeKey Card provides You with contactless lounge access for a more comfortable airport stay.
Prices and Methods of Payment:
As a customer of Fibank, You pay a preferential fee for visiting a selected lounge:
Card | Holder visit fee | Companion visit fee |
Visa Gold | 30 EUR | 30 EUR per companion |
The changed airport lounge visit fee is effective as of October 01, 2023.
Credit Card Parameters
| Credit Card Type | Visa Gold |
|---|---|
| Account Currency | BGN, EUR, USD |
| 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 6 000 for 6 months, You get 0.75% 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.
