VISA Gold credit card
Credit card VISA Gold
- Approval up to 2 hours!
- High credit limit for your comfort
- Interest-free period up to 60 days
- Insurance coverage when traveling abroad
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.
What you receive
Comfortable
Credit limit up to BGN 30 000 or EUR 15 000
Flexible
Interest-free period up to 60 days
Insurance
Free insurance “Travel abroad assistance”
Advantages
- Approval up to 2 hours!
- In addition, you get free insurance “Travel abroad assistance” with high coverage
- Higher credit limits and access to several advantages and discounts in the country and abroad
- No fee for purchases in the country, abroad, and on the Internet
- Special rate for Vienna Airport Vienna Lounge and Sky Lounge
- Special offers on Visa premium products
VISA Gold credit card
Currency
BGN, EUR
Maximum credit limit
BGN 30 000 / EUR 15 000
Grace period
Up to 60 days for purchases of commodities and services
Annual fee (fixed)
- 14% for purchases
- 15% 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
VISA Gold credit card
GENERAL TERMS FOR ISSUING INTERNATIONAL REVOLVING CREDIT CARDS VISA GOLD
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 90, collected at the end of the first year
TRANSACTIONS WITH VISA GOLD 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/ ePay
No fee
Receiving cash when buying from commercial establishments
BGN 1,50
TRANSACTIONS WITH VISA GOLD CARDS 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 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 at POS terminal
No fee
Reimbursement /receiving funds on a card account through a card operation /Refund/
1,5 %
ADDITIONAL OPERATIONS WITH VISA GOLD CARDS
According to TEXIM BANK AD tariff
Standard transaction limits on Visa Gold credit cards from Texim Bank.
|
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) |
6 000 BGN, 3 000 EUR/USD | 6 000 BGN, 3 000 EUR/USD | 10 000 BGN, 5 000 EUR/USD |
|
POS payment (physical or virtual) |
14 000 BGN, 7 000 EUR/USD | 14 000 BGN, 7 000 EUR/USD |
20 000 BGN, 10 000 EUR/USD |
|
Total limit for withdrawal and payment |
N/A | 14 000 BGN, 7 000 EUR/USD |
20 000 BGN, 10 000 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) |
6 000 BGN, 3 000 EUR/USD | 6 000 BGN, 3 000 EUR/USD | 16 000 BGN, 8 000 EUR/USD |
|
POS payment (physical or virtual) |
14 000 BGN, 7 000 EUR/USD | 14 000 BGN, 7 000 EUR/USD |
20 000 BGN, 10 000 EUR/USD |
|
Total limit for withdrawal and payment |
N/A | 16 000 BGN, 8 000 EUR/USD |
20 000 BGN, 10 000 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 |
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If you wish, you can set individual limits at any time, tailored to your abilities.
Minimum repayment installments
Each month you can choose freely your way of repayment by:
- Paying in full your obligations, formed until the end of the previous month, and use a grace period when purchasing
- Submitting only the minimum monthly payment
|
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 |
| 5 001 – 11 000 | 200 | 2 501 – 5 500 | 100 |
| 11001 – 20 000 | 500 | 5 501 – 10 000 | 250 |
| 20 001 – 30 000 | 800 | 10 001 – 15 000 | 400 |
60-DAY GRACE PERIOD ON THE CREDIT CARD
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- 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
- 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
- Travel abroad assistance insurance
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