Fibank -
Visa Platinum
Online request0% interest rate for the first 3 reporting periods
BGN 250 annual fee for each subsequent year (annual fee free for active use)
Cashback for each purchase
from BGN 15 000 up to BGN 50 000 Credit limit
BGN, EUR, USD
Lounge Key
Visa Platinum Credit Card by Fibank offers You:
Discreet elegance and style in Your everyday life
The platinum credit cards by Fibank are a symbol of high social status and professional achievements.
As a special cardholder, in addition to receiving a first-class service and a personal approach, You will also get significant discounts and benefits wherever You are.
Visa Platinum promises You special attention and excellent opportunities for holidays and entertainment in Bulgaria and worldwide. Visa Platinum Credit Cards will be by Your side every step of the way, giving You the peace of mind and convenience You deserve with the added benefits and privileges they offer:
- 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, as well as the lounges at five key airports thanks to the Program LoungeKey™:
∙ IGA Istanbul;
∙ Al Maha Doha;
∙ Pearl Abu Dhabi;
∙ LuxxLounge Frankfurt;
∙ Plaza Premium Lounge Dubai;
It is enough to simply inform the staff at the entrance of the lounge and physically present Your payment Visa Card.
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 www.loungekey.com/fibank.
- How do I access the lounges?
- Download the LoungeKey app or visit the website of LoungeKey www.loungekey.com/fibank 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 Platinum and boarding pass to enter
- Your visit will be registered by reading Your Digital LoungeKey Card or Visa Platinum
- 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 ways 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 Platinum | EUR 30 | EUR 30 per companion |
The changed airport lounge visit fee is effective as of October 01, 2023.
- Possibility to win cash prizes with the "Bring a Client" Program.
Credit Card Parameters
| Credit Card Type | Visa Platinum |
|---|---|
| Account Currency | BGN, EUR, USD |
| Interest rate terms: |
|
| Interest-free grace period | Up to 45 days |
| Minimum repayment installment | 3% of the credit limit used, 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: BGN 250 or its equivalence in foreign currency, incl. in case of non-compliance with the conditions for issuing and using promotional credit cards. |
| Cashback: | Upon payment with a credit card in a point of sale in Bulgaria or abroad, upon reaching a turnover of min. 12 000 for 6 months, You get 1% of the turnover, max. BGN 250. |
| Additional card: | Yes |
| Term for issuance: | Up to 3 working days in Sofia and up to 5 working days in branches across the country |
| 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." |
* promotional interest rate terms:
The stated interest rate is promotional and valid for contracts concluded within the term of the 21.08.2024 - 31.12.2024 campaign. During this period, customers, who have requested and activated a credit card for the first three (3) billing periods as of the date of issuance of the card, shall pay a promotional interest rate of 0%, provided that they have successfully passed the individual criterion in the approval process, have paid the minimum repayment amount and are not more than thirty (30) days in arrears as of the due date of each payment due to the Bank. Upon failure to fulfill any of the conditions under the preceding sentence as of the date of such failure, the customer shall owe the agreed annual interest rate as per the concluded Agreement.
**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:
- 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.
