VISA Platinum credit card
The world of privileges awaits you!
- You have a personal banker
- You benefit from an interest-free grace period of up to 60 days
- Access to business lounges at over 850 airports worldwide
Exclusive offers
- Premium offers for you from MDL with every payment with your platinum credit card, you get a discount of 10% in some of the listed shops. Learn more about exclusive brands here.
- Personal assistant program – one call, many privileges!
- More information about the exclusive offers with Visa Platinum card you can find here
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.
Special discounts for you from Bulgaria Air and VISA Platinum
5 % discount
5% discount when purchasing the full value of a plane ticket with your card
5 % discount
5% discount for purchases of commodities on board the Merchant’s aircraft
More luggage
Entitlement to twice as much luggage with every Bulgaria Air flight
Advantages
- Free Travel abroad assistance insurance with extremely high levels of insurance coverage.
- Free membership in the LoungeKey Associate+ program, which provides preferential price access to VIP lounges at over 850 airports worldwide.
- Free access to Vienna Airport’s Vienna Lounge and Sky Lounge
- Discounts at hotels, restaurants, and other merchants worldwide.
- Discounts at several shops, hotels, and restaurants in Bulgaria.
- High levels of transaction limits.
- Possibility to register the card for Automatic payment of bills from a card.
- Additional protection of the online payments 3D Secure.
Mastercard Standard credit card
Currency
BGN, EUR
Grace period
Up to 60 days for purchases of commodities and services
Annual fee (fixed)
- 10,00% for purchases
- 10,00% 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
Useful information
Learn about your rights when making payments in Europe
General terms for issuing international revolving VISA Platinum credit cards
Issuing of a main card, issuing of an additional card, or reissuing of the card after the expiry date
No fee
Issuing of a main card or reissuing of the card after the expiry date
No fee
Annual maintenance fee
BGN 200, collected at the end of every year
TRANSACTIONS WITH VISA PLATINUM IN BULGARIA
Cash withdrawals in Bulgaria
- Cash withdrawal at Bank ATMs
BGN 3.00 + 2%
- Cash withdrawal on POS terminal at Bank's
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
Receiving cash when purchasing trade effects
BGN 1.50
TRANSACTIONS WITH VISA PLATINUM 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 credit cards MasterCard Standard
According to TEXIM BANK AD tariff
Standard transactional limits on Visa Platinum credit cards by Texim Bank.
|
Transactional limits |
|||
|---|---|---|---|
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Limits in Bulgaria in the account currency |
|||
|
Transactional limit type |
For one transaction |
Per day (24 hours) |
For 7 days |
|
Cash withdrawal (ATM and POS) |
10 000 BGN, 5 000 EUR/USD | 10 000 BGN, 5 000 EUR/USD | 20 000 BGN, 10 000 EUR/USD |
|
POS payment (physical or virtual) |
25 000 BGN, 12 500 EUR/USD | 25 000 BGN, 12 500 EUR/USD |
70 000 BGN, 35 000 EUR/USD |
|
Total limit for withdrawal and payment |
N/A | 25 000 BGN, 12 500 EUR/USD |
70 000 BGN, 35 000 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) |
10 000 BGN, 5 000 EUR/USD | 20 000 BGN, 10 000 EUR/USD | 30 000 BGN, 15 000 EUR/USD |
|
POS payment (physical or virtual) |
30 000 BGN, 15 000 EUR/USD | 30 000 BGN, 15 000 EUR/USD |
80 000 BGN, 40 000 EUR/USD |
|
Total limit for withdrawal and payment |
N/A | 30 000 BGN, 15 000 EUR/USD |
80 000 BGN, 40 000 EUR/USD |
|
Option for transaction |
|||
|
Payment through virtual POS (Internet) |
YES |
||
|
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 |
70 |
||
If you wish, you can set individual limits at any time, tailored to your abilities.
Minimum repayments
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 |
| 30 001 – 40 000 | 1200 | 15 001 – 20 000 | 600 |
| 40 001 – 100 000 | 1600 | 20 001 – 50 000 | 800 |
- 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
- 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
- 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 bills from a card
- Online bills payment
- B-Pay card payment at an ATM
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