Cobranded credit card Texim Bank-HomeMax
A card with many benefits
- No annual or monthly service fees
- 6% discount at HomeMax stores*
- Long grace period
What you get
No fees
No monthly or annual service fees!
Advantageous
6% discount when shopping at HomeMax*
Comfortable
Long grace period
Advantages
- Approval for 30 minutes!
- No annual or monthly fees
- 6% discount when shopping at HomeMax*
- The PayPass service makes small purchases instantaneous – with just one touch, without entering a pin code.
- Free opportunity to use the “Credit Limit +” and “My Limit” services
- Possibility to register the card for “Automatic payment of recurring bills”
- Additional protection of payments on the Internet 3D Secure.
Cobranded credit card Texim Bank – HomeMax
Currency
BGN
Fees
Without monthly or annual fees
Maximum credit limit
BGN 5 000
Grace period
Up to 45 days for purchases of commodities and services
Additional discounts
6% discount when shopping at HomeMax*
The discount is from the regular price of the commodities and does not apply to commodities on promotion. The discount is granted when paying with a card.
Annual fee (fixed)
19,95% for purchases and cash withdrawal
Validity period
2 years with an option for automatic, free renewal
Fees and commissions cobranded credit card Texim Bank - HomeMax
Issuing of a main card, issuing of an additional card, or reissuing of the card after the expiry date
No fee
Annual maintenance fee
No fee
Cash withdrawals in Bulgaria
- Cash withdrawal at Bank ATMs
BGN 3.00 + 2%
- Cash withdrawal on POS terminal in the Bank
BGN 5.00 + 1,5%
- Cash withdrawal at ATMs of other banks in Bulgaria
BGN 5.00 + 2% (min. BGN 10)
- Cash withdrawal on POS terminals of other banks in Bulgaria
BGN 8 + 1,5% (min. BGN 15)
Payments of commodities and services at POS terminal in Bulgaria
No fee
Payment of recurring bills via ATM, by phone, and Internet/ Bpay
No fee
Transactions abroad
No fee
Transactions in Bulgaria
Cash withdrawal at ATMs within the EEA
BGN 5 + 2.00% (min. 10 BGN)
Cash withdrawal at ATMs outside the EEA
BGN 7 + 3.00% (min. 12 BGN)
Cash withdrawal on POS terminal within the EEA
BGN 8 + 1,5% (min. 15 BGN)
Cash withdrawal on POS terminal outside the EEA
BGN 8 + 3% (min. 15 BGN)
Payments of commodities and services on POS terminal
No fee
Reimbursement /receiving funds on a card account through a card operation/
1,5 %
Additional operations with credit cards Texim Bank-HomeMax
According to TEXIM BANK AD tariff
Standard transactional limits on Cobranded credit card Texim Bank-HomeMax
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Transactional limits |
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Limits in Bulgaria in the account currency |
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Transactional limit type |
For one transaction |
Per day (24 hours) |
For 7 days |
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Cash withdrawal (ATM and POS) |
2 000 BGN, 1 000 EUR/USD | 4 000 BGN, 2 000 EUR/USD | 4 000 BGN, 2 000 EUR/USD |
|
POS payment (physical or virtual) |
3 000 BGN, 1500 EUR/USD | 3 000 BGN, 1500 EUR/USD |
4 000 BGN, 2 000 EUR/USD |
|
Total limit for withdrawal and payment |
N/A | 4 000 BGN, 2 000 EUR/USD |
6 000 BGN, 3 000 EUR/USD |
|
Лимити в чужбина във валутата на сметката |
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Transactional limit type |
For one transaction | Per day (24 hours) |
For 7 days |
|
Cash withdrawal (ATM and POS) |
2 000 BGN, 1 000 EUR/USD | 4 000 BGN, 2 000 EUR/USD | 4 000 BGN, 2 000 EUR/USD |
|
POS payment (physical or virtual) |
6 000 BGN, 3 000 EUR/USD | 6 000 BGN, 3 000 EUR/USD |
10 000 BGN, 5 000 EUR/USD |
|
Total limit for withdrawal and payment |
N/A | 10 000 BGN, 5 000 EUR/USD |
10 000 BGN, 5 000 EUR/USD |
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Option for transaction |
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Payment through virtual POS (Internet) |
YES |
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Payment through physical POS (Internet) |
YES | ||
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Cash withdrawal (ATM and POS) |
YES |
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Transactional limit type |
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Number of transactions per day |
30 |
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Number of transactions per week |
50 |
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If you wish, you can set individual limits at any time, tailored to your abilities.
Each month you can choose freely your way of repayment by:
- Submitting only the minimum monthly payment – 5% of the used balance
or
- Paying your balance in full and on time, thus you will not pay interest on purchases
45-day grace period for the credit card
(Sample scheme with an allocated limit of BGN 1,000 and a minimum repayment installment – 5% of the amount of the used limit)
- The maximum grace period for purchases is up to 45 days since if a certain purchase is made on March 1, the repayment of the obligation can be made until April 15.
- If you choose to repay only a part of the obligation, formed during the previous month, interest is charged on the number of purchases from the date of the transaction
- The obligations, formed from cash withdrawal, do not have a grace period, meaning the charged interest always begins on the date of the transaction.
- In case of non-payment of the minimum repayment (in the amount of 5% of the used credit limit at the end of the previous period – in the stated example: 5% x 500 BGN = BGN 25), the unpaid part of the obligation is considered overdue and charged with the corresponding interest for overdue.
Repayment:
- In every Texim Bank offices
- Through the mobile app
- Through online banking
- Through automatic repayment from another bank account
- Transfer to account
- Credit limit + service – the ability to use the card with both the assigned credit limit and the available funds on the account, transferred over the limit
- My limit service – the ability to choose for yourself what part of the allocated credit limit should be available for credit card transactions
- SMS for card transactions
- SMS for card balances
- Automatic repayment of the credit card obligations
- 3DS online payments
- Acceptance or denial of Internet transactions through Texim Bank mobile banking
- Automatic payment of bills from a card
- Paying household bills online
- B-pay card payment at an ATM
- General terms of TEXIM BANK AD
- Your rights when making payments in Europe
- Your funds on bank accounts in BGN and foreign currency and the interest charged on them, opened in TEXIM BANK, in a total amount of up to BGN 196,000 are protected by Bulgarian Deposit Insurance Fund
Additional options, advantages, and recommendations
3DS Online payments
- Maximum safety for the online payments
- You confirm payments through static and dynamic passwords or biometric authentication
Safety tips
- When withdrawing funds from an ATM
- When paying for commodities and services on the Internet
- When paying at a physical POS terminal
Cards-connected promotions
- Current promotions and games
- Use your card and win