Fibank -
Visa Gold
Online requestBGN 100 Annual maintenance fee (no annual fee with active use of the credit card)
Contactless Payments
from BGN 5 000 up to BGN 20 000 Credit limit
BGN, EUR, USD
Insurance options to protect your card
VIP access to airport lounges
Visa golden credit card from Fibank offer you:
- higher credit limit;
- higher coverage of free insurance when traveling abroad;
- privileges and special offers.
- Free access to the Aspire Business Lounge at Sofia Airport.
NEW! For the first time in Bulgaria Visa golden credit cards by Fibank offer membership in Lounge Key program.
Lounge Key program
Your gold credit card from Fibank will open you the doors to over 1200 special lounges at airports worldwide. No matter which airline company you are traveling with or what tickets you have purchased, you will be able to spend the time to your flight in a pleasant and stylish atmosphere of Lounge Key lounges.
You do not need a prior registration or reservation for a lounge. You just have to present your Visa gold credit card by Fibank to the employee at the lounge's reception. That is why you should always have your card with you when you are travelling.
You can choose in advance the Lounge Key lounge you prefer to visit at:
- for Visa clients at https://www.loungekey.com/fibankvisa
- by downloading at your mobile phone the mobile application of the program
Prices and methods of payment:
As Fibank clients you will pay a preferential fee to visit the selected loun
| Card | Fee for visit - cardholder | Fee for visit for companion | Method of payment |
| Visa | 30 EUR | 30 EUR for each companion | by card, in cash |
The changed price for visiting an airport lounge is effective from 01 October 2023.
Credit Card Parameters:
| Credit Card Type | Visa Gold |
|---|---|
| Account Currency | BGN, EUR, USD |
| Interest conditions | In accordance with the Bulletin of Interest Rates |
| Payment at a retail outlet through POS | 17.90%* |
| Cash withdrawal | 18.90%* |
| Grace period without interest | Up to 45 days |
| Minimum repayment installment | 3% of the credit limit used min. BGN 10.00 |
| Collateral | Without collateral** |
| Credit limit | It is determined by an individual creditworthiness assessment. |
| Validity Term | 5 years with a possibility of automatic renewal |
| Annual Maintenance Fee | BGN 100 or the equivalent amount in foreign currency*** |
| Opportunity to issue an additional card | Yes |
| Cashback | When paying with the credit card in a commercial outlet in Bulgaria or abroad, and you reach a turnover of at least BGN 6,000 in 6 months, you will receive 0.75% of the turnover, a maximum of BGN 250. |
| Term for card issuance | Up to 3 working days for the city of Sofia and up to 5 working days for the branches in the country, after received telephone confirmation by Bank's credit specialist" |
| 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 | 19.74% 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 17.90%, the total amount due shall be BGN 3545.95 |
* For new credit card contracts signed after 10.10.2022. Detailed information on interest rates conditions under credit card contracts concluded before this date can be found in the Fibank Interest Rate Bulletin
** At the discretion of the Bank, collateral may be required.
*** Detailed information can be found in the Fibank Tariff
And more information:
If you repay your entire obligation within the grace period, you will not be charged interest on the amounts paid or withdrawn in cash.
You have a variety of options for repaying your credit card obligations by:
- Deposits in cash Fibank office;
- Deposit in cash Fibank ATM;
- My Fibank online banking;
- your smart phone with My Fibank Mobile Application;
- transfer from another bank on the account of your credit card in Fibank;
- using the service Automatic repayment of obligations on the credit card of Fibank.
How to apply
You can apply for a credit card by Fibank in one of the following manners:
- by submitting оnline request;
- by My Fibank online banking;
- by My Fibank Mobile Application;
- by phone *bank (*2265);
- on site at Fibank office.
After processing your credit card request, up to 3 business days for Sofia and up to 5 business days for the country, you will receive your card at the Fibank office, which you have selected in advance.
First Investment Bank issues VISA credit cards FREE OF CHARGE.
You can apply for issuance of a credit card in one of the following ways:
- by visiting one of the Fibank branches and completing an application for issuance of a credit card. You shall be informed on the site about the approximate amount of the credit limit;
- by calling to one of the following phones *bank (*2265) or 0 800 11 011 and declaring your desire for issuance of a credit card;
Upon the approval of your application for credit card, within 3 working days for the city of Sofia and up to 5 working days for the country, you shall receive your card at the Fibank branch chosen by you in advance.
Renewal of revolving credit cards:
- renewal due to the expiry of the credit card’s term of validity:
The validity of the credit card* is 5 years and it is automatically renewed after the expiry of that period. You can receive your reissued credit card after the 20th day of the month in which it expires at the bank branch where you have filled the application for issuance.
* On the front side of your card, you can see the marked relief figures representing the validity term in the following format: VALID 04/20 THRU, where the first two digits indicate the month and the second two ones – the year. This means that in the sample the card is valid until the end of April 2020.
- reissuing the card due to theft, loss, forgotten PIN code or other reason:
If your card is stolen, lost, you forget your PIN code or any other reason requires its reissuance, you should visit a bank branch and provide an identity document. Reissuance of the card shall be charged in accordance with the Fibank’s Tariff.
