Visa Gold and Mastercard Gold gold credit cards

Advantages

Long interest-free grace period - up to 55 days
50% discount on the annual fee for the next year, upon effected 24 transactions
Updated UWIN loyalty program, which brings together the Bank's customers and the merchants included in the program in the special UWIN mobile application. Through it you can take advantage of discounts in over 500 merchants, as well as online at selected retailers!
Free of charge Travel Abroad Insurance and Gold Protection Insurance
Discounts at world-famous hotel chains, rent-a-car companies, bars and restaurants, and other services, provided by Mastercard and VISA.
Access to and privileges upon using particular business lounges at airports
More secure payments on the Internet

Example

In case of a credit limit of BGN 7 000, fully utilized through cash withdrawal at UBB ATM, with annual interest rate of 16.05%, payment instrument annual maintenance fee of BGN 120, current account opening fee BGN 4.98, and 12-month loan tenor, the total due amount will equal BGN 7743.38, with Annual Percentage Rate (APR) of 21.13%. The interest rate is variable, calculated at the reference interest of UBB in the amount of 0.25%.

Parameters

Currency	BGN
Validity period	2 years
Interest rate	16.05% upon purchases or cash withdrawal
Minimum credit limit	BGN 5000
Maximum credit limit	BGN 20 000
Liability repayment period	24 days as from the statement generation date
Transaction limit upon payment at merchant	up to 100% of the approved credit limit
Transaction limit upon cash withdrawal at ATM/POS	up to 100% of the approved credit limit
Number of transactions per week	50
Minimum repayment installment	3% of the utilized limit, (minimum BGN 10)
Repayment manner	Automatically from an account with UBB Through a fund transfer from an account at a UBB branch Through cash installments at specific UBB ATMs or a branch of the Bank Via UBB’s Contact Centre Via UPAY electronic gateway
Utility bill payment	Via UBB's Online banking, UPAY electronic gateway, or at UBB ATMs.
Free of charge Travel Abroad Insurance	Coverage of up to EUR 30 000 for medical expenses due to an accident or acute illness Coverage of up to EUR 300 of expenses for emergency dental treatment You can check all items covered in Useful documents
Free of charge Gold Protection Insurance	Coverage of up to BGN 300 in case the card is stolen or lost Coverage of up to BGN 150 in case personal documents and keys are lost or stolen with the card Coverage of up to BGN 1000 in case of fraud upon purchase
Special discount offers for holders of a Visa and Mastercard Gold Credit Cards	"TIMELAND - 15 %* EUROOPTIC - 22 %* OPTICLASA - 20 %* * Discounts will be made available at the merchant’s locations and will be applicable only to regularly priced products. The offer excludes seasonal sale campaigns or combinations of other discounts and promotions."
Access to and privileges upon using particular business lounges at airports	VISA Gold - business lounges at Sofia Airport Mastercard Gold - business lounges at Sofia and Vienna airports and the FAST TRACK privilege at Sofia Airport
Maximum protection upon online payments	UBB 3-D Secure - a cardholder authentication service for online Internet transactions. More detailed information, as well as for the purpose of administering your registration, please visit: for VISA cards and for Mastercard cards.