Non-declining balance credit cards

The non-declining balance credit cards are credit cards where you can use your own money to pay in retail outlets that require payment by credit card - Internet reservations for hotels, car rental, etc. In order to have such a card you do not need to apply for a credit limit by the bank - you just deposit the funds you want to have available on the account of your Visa or MasterCard with non-declining balance.


MasterCard PayPass Visa payWave Classic


What types of credit cards with non-declining balance issues Fibank?

You can choose between standard Visa and MasterCard or try the convenience of contactless payments with MasterCard PayPass and Visa Classic payWave.

What is the advantage of credit cards with non-declining balance?

By your non-declining balance credit card you get the optimum security, independence and flexibility when you need cash or to pay your purchases in the country and abroad. You can decide by yourself how much money you want to have available for you. Since you do not use any credit limit given by the bank it is not necessary to return the money on the credit card and you do not pay any interest.

By using your non-declining balance credit card you may:

  • pay for goods and services in shops and on the internet without having to carry cash. You can use your non-declining balance credit card in shops, hotels, restaurants, travel agencies, airlines, museums, theaters, etc. worldwide;
  • withdraw cash at over 300,000 banking offices and over 800,000 ATMs worldwide;
  • pay in the local currency wherever you are and the payments will be automatically converted into the currency of your account;
  • make reservations for hotels, restaurants, plane tickets, tickets for theater, concerts, etc. without wasting precious time;
  • rent a car without paying a deposit, saving time and money;
  • monitor easily and conveniently all payment made - for your peace of mind and better accountability;
  • pay on the internet - with your Visa or MasterCard you can order any goods or services online in all online stores and sites offering various services.

Take advantage of our new service "3D Security card" for more secure payments on-line!

With your non-declining balance credit card you also receive free medical insurance for traveling abroad with coverage of up to $ 25 000. The insurance is activated when buying a tourist package or paying for a hotel stay, plane ticket, car rental or any other service related to travel outside Bulgaria. The insurance covers 16 types of insurance events. Upon the occurrence of an insurance event, you need to call on one of the phone numbers +359 (2) 9 267 100, +359 (2) 9 267 402 или +359 (2) 9 267 402, which are available 24 hours a day.

Choose the optimal credit card for your needs:

There are several types of non-declining balance credit cards.

1. According to the possibilities for use and the conditions cards are:

  • Visa Classic or MasterCard Standard - a card which is suitable for everyday purchases within the daily limit. It allows you to make cashless payments or to use the card for cash withdrawals both in the country and abroad;
  • Visa Gold or MasterCard Gold - a card that offers more flexibility at higher levels of limits. People who travel a lot, make large purchases and appreciate the financial flexibility do not like to be limited. With Visa or MasterCard Gold this problem is solved;
  • MasterCard PayPass or Visa Pay Pass - this card is suitable for making everyday purchases and give you the opportunity to make contactless payments and the respective POS terminals.

2. According to the holder of the card account Visa and MasterCard are:

  • primary - it is issued to a natural person - holder of current account;
  • additional - it is issued to relatives or family members of the holder on his/her account and at his/her order. The holder is the one who sets the parameters of the additional cards and monitors the transactions done with them and the movement in his/her account.



First Investment Bank issues MasterCard and VISA credit cards FREE OF CHARGE.

You can apply for issuance of a credit card by visiting one of the Fibank branches and completing an application for issuance of a credit card. You shall be informed on the site about the approximate amount of the credit limit;

Upon the approval of your application for credit card, within 3 working days for the city of Sofia and up to 5 working days for the country, you shall receive your card at the Fibank branch chosen by you in advance.

Renewal of revolving credit cards:

  • renewal due to the expiry of the credit card’s term of validity:

The validity of the credit card* is 5 years and it is automatically renewed after the expiry of that period. You can receive your reissued credit card after the 20th day of the month in which it expires at the bank branch where you have filled the application for issuance.

* On the front side of your card, you can see the marked relief figures representing the validity term in the following format: VALID 04/20 THRU, where the first two digits indicate the month and the second two ones – the year. This means that in the sample the card is valid until the end of April 2020.

  • reissuing the card due to theft, loss, forgotten PIN code or other reason:

If your card is stolen, lost, you forget your PIN code or any other reason requires its reissuance, you should visit a bank branch and provide an identity document. Reissuance of the card shall be charged in accordance with the Fibank’s Tariff.

Tariff of Fees and Commissions (TARIFF) of First Investment Bank

Credit Cards