“Virtual credit card” by Fibank

We are happy to present you our product “Virtual credit card” by Fibank

  • Virtual credit card by Fibank is a credit card that is applied for, issued and managed through My Fibank mobile application;
  • Receiving and changing the card's PIN code is done through My Fibank mobile application;
  • Virtual credit card can be digitized in My Fibank application, as well as in Google Pay, Apple Pay, Garmin and Fitbit, and it can be used at contactless POS and ATM devices for payment and withdrawal cash;
  • You can use the card for shopping in the way familiar to you, both online and at merchants outlets, faster, easier and more convenient than ever;
  • The highest security level: 3D that gives you safety for online payments at merchants outlets participating in Visa Secure & Mastercard Identity Check programs;
  • Instant notification: you receive push notifications in My Fibank mobile application for card authorizations within seconds.
Our offer
Your credit card is closer than ever!
  • Easy, fast and convenient application process through My Fibank mobile app;
  • Completely digital process, without the need to visit Bank office;
  • Wide applicability: possibility to digitize the card in My Fibank, Google Pay, Apple Pay, Garmin and Fitbit;
  • Possibility to pay online;
  • Possibility to carry out transactions with the digitized virtual credit card on contactless ATM and POS devices.

 

And that's not all!
  • Possibility to manage the card entirely online through My Fibank mobile application. You can freeze, unfreeze, block funds, change transaction limits within the limits set by the Bank, as well as choose payment channels and regions: 24 hours, 7 days a week, without additional fees;
  • You can track online movements on your bank account through My Fibank electronic banking;
  • You can use the virtual credit card as a means of payment for utility bills;
  • You can pay free of charge at POS devices at retail outlets in Bulgaria and abroad *;

*( when paying in a currency other than the currency of the account, a fee of 0.25% is charged according to the Bank's tariff)

  • Free "Travel abroad" insurance from Generalli.
  • 24-hour support – for questions related to the card
Why you should Choose Virtual Credit Card?
  • Convenience – possibility to digitize the card on your smart watch;
  • Speed – the virtual credit card is applied for and issued in minutes in My Fibank mobile application without the need to visit a Bank office, in just a few easy steps;
  • Security – the card data is visible only to the cardholder by logging into My Fibank system;

 

  • Application - possibility to digitize the card in: My Fibank, Google Pay, Apple Pay, Garming and Fitbit;
  • A greener and more modern "tomorrow" - you leave your SMALL footprint on environmental protection.
Parameters

Credit card parameters

Card currency when opening a new account:BGN, EUR, USD
Validity period:5 years
Interest conditions:
    • Payment at a merchant via POS devices or online – 17.90%; Cash withdrawal –18,90%

    Example of APR: "19.74% with a credit limit of BGN 3,000, term of 1 year. The amount was fully absorbed at a POS terminal device at an annual interest rate of 17.90%, a total amount due will be BGN 3545.95"

Interest-free grace period:Up to 45 days
Minimum repayment installment:

3% of the credit limit used, min. BGN 10.00

Credit limit:It is determined depending on an individual assessment of creditworthiness. Minimum limit is BGN 500, maximum limit is BGN 10,000 or the equivalent in EUR or USD
Annual maintenance fee:

BGN 45.00

POS device payment fee:In Bulgaria – no fee; Abroad – no fee
Currency conversion fee for transactions in a currency other than the currency of the account:0,25% of the amount
ATM withdrawal fee:According to Fibank’s Tariff
Documents