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Business Credit Cards Visa and Mastercard

They facilitate the financial transactions of the company, provide for control and optimisation of corporate expenses.

 

MasterCard Business Visa Business

 

The Business Credit Cards of First Investment Bank provide you with:

Loan facilitation:

  • You can use a corporate loan without having any funds blocked;

Advantageous conditions:

  • No fee for card issuance;
  • Short term for limit approval – up to 2 working days;
  • Short term for credit card issuance – up to 4 working days for Sofia and up to 5 working days for the rest of the country.

Convenience:

  • You have more funds throughout the world, 24 hours a day, 7 days a week;
  • You can make payments at a merchant location and/or on the Internet;
  • You can withdraw cash from an ATM or at a bank office throughout the world.

Control and optimisation of your business expenses:

  • Effective monitoring of the corporate expenses – the cards issued in the name of the company are accounted on a special card account;
  • Every month the Bank provides you with detailed statements for the transactions made with each card issued to your corporate account - this allows you to supervise your employees when they are on business trips; 
  • Quick and easy corporate accounting – each statement represents a genuine accounting document.

Security:

  • Maximum security and protection from misuse through the new chip technology;
  • You will receive  SMS notification immediately after each authorised payment if you subscribe for the service “SMStatus”;
  • 24 hour service by the Card Centre of Fibank which you can call in any case of necessity.

Flexibility:

You can have several credit cards issued to your card account in accordance with your company’s needs.

Free insurance for international trave:

On buying a package tour using your card, or on paying for a hotel stay, airline ticket, renting a car or using some other service related to travelling outside Bulgaria, each holder of a Visa or MasterCard credit card issued by First Investment Bank receives free traveller's medical insurance with coverage of up to 35 000 USD for 16 types of insurance events.

Card Parameters:

 

Currency BGN, EUR, USD
Validity
5 years
Collateral Without collateral (without a guarantee deposit)
Grace period Up to 45 days – only for international business credit cards with grace period
Credit Limit Up to BGN 50 000
  • for Visa Classic / Mastercard Silver - min. of 1 000 BGN / 500 EUR / 500 USD
  • for Visa Gold / Mastercard Gold - min. of 10 000 BGN / 5000 EUR / 5000 USD

 

Card Types:

You can choose the card which will satisfy your needs:

Business credit card with a grace period

MasterCard Business, Mastercard Business Gold, Visa Business Standard, Visa Business Gold:

  • A grace period of up to 45 days;
  • A minimum monthly repayment of 5% of the debit balance as of the last day of the statement period. 

Business credit card without a minimum monthly installment

MasterCard Silver or Mastercard Business Gold, Visa Classic or Visa Gold:

  • Without a grace period;
  • You have no engagement to watch for and repay any minimum monthly installments – the repayments are made at any time by each receipt in your account. 

Welcome to any branch of Fibank to fill in an “International Business Credit Card Issuance Application Form”.

The international business credit cards of Fibank can be issued to legal entities or natural persons who are exercising business activities, as well as to non-profit-making companies, non-government organizations, etc., who meet the Fibank's requirements for solvency evaluation.

Necessary Documents:

  • “International Business Credit Card Issuance Application Form” (Fibank form);
  • Current court registration;
  • Basic instrument (statutes/articles of association, company contract);
  • Registration under BULSTAT/Unified Identification Code;
  • Tax registration;
  • A declaration of relatedness to other persons (Fibank blank) – original;
  • Annual tax declaration;
  • Financial statements for the previous year and the last accounting period.

Terms and Conditions (Tariff) of First Investment Bank

Business Credit Cards