Visa Classic credit card
No fee for purchases in the country, abroad, and on the Internet
- Approval up to 2 hours!
- NEW! Instant issuing at the office, get your card immediately!
- You only owe interest on the used part of the credit limit
- Quick and easy online purchases, booking plane tickets, hotels, etc.
Take now
- Free insurance Travel assistance abroad
- Grace period of up to 60 days
- Quick and easy online purchases, booking plane tickets, hotels, etc.
Advantages
Instant issuing
Instant issuing at the office, get your card immediately!
Free insurance
Free insurance Travel assistance abroad with high coverage
Comfortable
Up to 60 days grace period for purchase of commodities and services.
Some of the documents are currently only available in Bulgarian. We apologize for any inconvenience this may cause and are actively working on translation for wider accessibility.
Visa Classic credit card
Currency
BGN, EUR
Fees
Without monthly or annual fees
Maximum credit limit
BGN 5 000/ EUR 2 500
Grace period
Up to 60 days for purchases of commodities and services
Additional discounts
- Free insurance Travel assistance abroad with high coverage
- No fee for purchases in the country or abroad
- Extremely long grace period for purchases of up to 60 days
*NEW! Instant issuing of credit card
*NEW! Instant issuing of credit cards in the offices of the Bank, get your card immediately!
Annual fee (fixed)
- 16,95% for purchases
- 17,95% for cash withdrawal
The annual interest rate is variable and is formed by the Bank’s Reference Interest Rate (RPI) for loans to individuals, increased by a fixed allowance.
Validity period
3 years with an option for automatic, free renewal
General terms for issuing international revolving Visa credit cards
Issuing of a main card, issuing of an additional card, or reissuing of the card after the expiry date
No fee
Annual maintenance fee
BGN 40, collected at the end of the first year
Transactions with Visa cards in Bulgaria
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
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 outside the EEA
BGN 8 + 1,5% (min. 15 BGN)
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 /Refund/
1,5 %
Additional operations with credit cards Visa
According to TEXIM BANK AD tariff
Standard transactional limits on Visa Classic Standarts by Texim Bank.
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Transactional limits |
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|---|---|---|---|
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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 |
|
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 |
|
Limits abroad in the currency of the account |
|||
|
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 |
|
Option for transaction |
|||
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Payment through virtual POS (Internet) |
YES |
||
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Payment through physical POS (Internet) |
YES | ||
|
Cash withdrawal (ATM and POS) |
YES |
||
|
Transactional limit type |
|||
|
Number of transactions per day |
30 |
||
|
Number of transactions per week |
50 |
||
If you wish, you can set individual limits at any time, tailored to your abilities.
Minimum contributions
Each month you can choose freely your way of repayment by:
- Submitting only the minimum monthly payment
- Paying in full your obligations, formed until the end of the previous month, and use a grace period when purchasing
|
Amount of the credit limit in BGN |
Minimum monthly fee in BGN |
Amount of the credit limit in EUR |
Minimum monthly feel in EUR |
|---|---|---|---|
| Up to 1000 | 30 | Up to 500 | 15 |
| 1 001 – 2 000 | 50 | 501 – 1 000 | 25 |
| 2 001 – 5 000 | 100 | 1 001 – 2 500 | 50 |
- The maximum grace period for purchases is up to 60 days since if a certain purchase is made on March 1, the repayment of the obligation can be made until April 30.
- 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.
- If the obligations from the previous period are smaller than the minimum repayment due, then you owe an amount equal to the amount of the obligation
- In the event of non-payment of the minimum repayment (determined for the respective credit limit), the unpaid part of the obligation is charged with the corresponding overdue interest
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 balance
- Automatic repayment of the credit card obligations
- 3DS online payments
- Acceptance or denial of Internet transactions through Texim Bank mobile banking
- Automatic payment of recurring accounts
- Online bills payment
- B-pay ATM payment
- General terms of TEXIM BANK AD
- Document with information about fees on a current account
- 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
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Cards-connected promotions
- Current promotions and games
- Use your card and win