Fibank -
Visa Platinum
Online requestBGN 250 Annual Maintenance Fee (no annual fee with active use of the credit card)
Contactless Payments
from BGN 15 000 up to BGN 50 000 Credit limit
BGN, EUR, USD
Insurance options to protect your card
VIP access to airport lounges
Discreet elegance and style in your everyday life
Fibank Platinum credit cards are a symbol of high social status and professional achievements
As special cardholders, you will not only receive first-class service and a personal approach, but also significant discounts and privileges wherever you are.
Visa Platinum promises you special attention and excellent opportunities for rest and entertainment in Bulgaria and worldwide. Visa Platinum credit cards will always be by your side on every journey and give you the peace of mind and convenience you deserve with the additional benefits and privileges they offer:
- As a cardholder of a Premium or Business Visa credit card, you have the opportunity to benefit from free access to the Aspire business lounge at Sofia Airport by notifying the staff at the lounge entrance and presenting your Visa payment card. The service is not tied to the Lounge Key program.
You have the opportunity to use lounges at five key airports for free thanks to the LoungeKey™ program:
• IGA Istanbul;
• Al Maha Doha;
• Pearl Abu Dhabi;
• LuxxLounge Frankfurt;
• Plaza Premium Lounge Dubai;
Lounge Key
Fibank and Visa welcome you to LoungeKey, the customer experience program for airport spaces and lounges.
Now you have access to 1200+ airport lounges and experiences around the world, regardless of your airline or travel class. Register your LoungeKey account at www.loungekey.com/fibank.
- How do I get access to the salons?
- Download the LoungeKey app or visit the website of LoungeKey loungekey.com/fibank, to register yourself.
- Log in to the system and check the lounges available to you
- When you arrive at the lounge, you will need to show your Digital LoungeKey card or Visa Platinum and boarding pass to enter.
- Your visit will be registered by reading your Digital LoungeKey card or Visa Platinum
- Where can I find my Digital LoungeKey card?
Once you've signed up, you'll be able to view your Digital LoungeKey card on the LoungeKey app or website. Your Digital LoungeKey card gives you contactless access to the lounges for a more comfortable stay at the airport.
Prices and payment methods:
As Fibank customers, you pay a preferential fee for visiting a selected lounge:
Card | Holder visit fee | Companion visit fee | Payment method |
Visa Platinum | 30 EUR | 30 EUR per each companion | Via card, cash |
The changed price for visiting an airport lounge is effective from 01 October 2023.
Credit Card Parameters:
| Credit Card Type | Visa Platinum |
|---|---|
| Account Currency | BGN, EUR, USD |
| Interest terms |
|
| Interest-free grace period | Up to 45 days |
| Minimum repayment installment | 3% of the credit limit used, min. BGN 10.00 |
| Collateral | No collateral is required** |
| Credit limit |
|
| Validity term | 5 years with the option of automatic renewal |
| Annual maintenance fee | BGN 250 or its equivalent in foreign currency *** |
| 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 12,000 in 6 months, you will receive 1% of the turnover, a maximum of BGN 250. |
| Issue deadlines | Within 3 working days for the city of Sofia and within 5 working days for the countrywide branches, after receiving telephone confirmation from the Bank's credit specialist. |
| Contactless payment limits | 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:
or
After each PIN entry, the process starts again. |
| APR (Annual percentage rate) | Example for APR: “19.74% for a credit limit of BGN 3,000 - one-year term. The amount was fully absorbed through a POS terminal device, at an annual interest rate of 17.90%, and a total amount due is in the amount of BGN 3545.95” |
* For contracts for newly issued credit cards after 10.10.2022. Detailed information on the interest terms and conditions for credit card contracts entered into before this date can be found in the Fibank Interest Bulletin.
** At the Bank's discretion, collateral may be required.
*** Detailed information can be found in the Fibank Tariff
First Investment Bank issues Visa credit cards FREE OF CHARGE.
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.
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.
