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Mastercard Gold
Online requestNo annual fee for the first year
Cashback on each purchase
From 2 500 to 15 000 EUR credit limit
EUR, USD
Lounge Key
Fast Track
Mastercard Gold credit card from Fibank offers you:
- Higher credit limit;
- Higher coverage of free insurance when traveling abroad;
- Possibility to conclude "FiHealth Protect" insurance, which is at the expense of the Bank during the first year;
- Privileges and special offers;
- Participation in bonus programs;
- Opportunity to win cash prizes with the "Bring a Client" program;
- Special membership in the Lounge Key program;
The Lounge Key program
Your gold credit card from Fibank will open the doors to over 1 500 special airports lounges around the world. Regardless of which airline you travel with or what tickets you have purchased, you will be able to spend the time until your flight in a pleasant and stylish atmosphere of the lounges included in the Lounge Key prograpm. You do not need to make in advance registration or to reserve a lounge. It is enough to notify the receptionist at the lounge and present your Fibank credit card. Therefore, you should carry your credit card with you each time you travel.
Mastercard Gold credit card gives you the opportunity for 4 free visits per year to airport lounges of your choice, which participate in the program. Both the cardholder and his/her companion can benefit from the free visits. Each visitor is counted (cardholder + companion = 2 visits).
For more information, you can visit our website www.mastercard.bg
The new terms and conditions of the Lounge Key program are in effect from February 1, 2025.
You can select in advance the Lounge Key lounge you prefer to visit at:
- www.loungekey.com/FibankMastercard
- by downloading the program’s mobile application to your mobile phone
As a Premium or Business Mastercard cardholder, you receive exclusive access to the lounge and the opportunity to wait for your boarding in the comfort it provides you.
Prices and payment methods:
As Fibank clients, you will pay a preferential fee for visiting a selected lounge under the Lounge Key program:
Card | Visit fee for card holder | Visit fee for companion |
Mastercard Gold | EUR 30 | EUR 30 for each companion |
Mastercard Airport Security Fast Track offers priority pass through airport baggage security checks at more than 100 airports worldwide.
- NEW: Fast Track is now available with Mastercard’s Mastercard Travel Pass (MTP)* programme and DragonPass via the Mastercard Travel Pass (MTP) mobile app or at https://mastercardtravelpass.dragonpass.com
*MTP replaces and builds on the previous MTE programme.
How the service works:
Cardholders need to download the MTP app or visit the MTP website and create an account. Before travelling, they can request Fast Track passes for a specific time slot via MTP. Cardholders who have already created an account in the previous MTE programme can download and use MTP from 23 June 2026 using their MTE username and password, whilst continuing to use MTE until 22 June.
Cardholders can take advantage of 3 services:
NEW: as of 2 June 2026, Fast Track – access and free passes for a special lane leading directly to the baggage security check point:
- 8 free passes per calendar year for World Elite
- 6 free passes per calendar year for World and Platinum
- 4 free passes per calendar year for Gold and Business
The cardholder decides how to share their free passes with their companions. Subsequent passes are charged to the card at a rate of between €5 and €20.
Airport Transfers – access to cars with professional drivers, which the cardholder books via the MTP app/website to travel to or from the airport. Booked transfers are charged to the card.
Airport Restaurants Discounts – discounts and special promotional offers at more than 1,000 restaurants at airports worldwide, via a QR code from the MTP app/website
Credit card parameters
Period of issuance| Credit Card Type | Мastercard Gold |
|---|---|
| Account Currency | BGN, EUR, USD |
| Interest conditions | Standard interest rates**:
|
| Interest-free grace period | Up to 45 days |
| Minimum repayment installmet | 3% of the used credit limit, min. BGN 10.00 / EUR 5.11 |
| Collateral*** | No collateral is required |
| Credit limit |
|
| Validity period | 5 years with the possibility of automatic renewal |
| Annual maintenance fee**** | Promotional terms until 31.12.2026:
Standard terms:
|
| Cashback | When paying with a credit card at a retail outlet in Bulgaria or abroad, if you reach a turnover of at least EUR 5 000 in 6 months, you receive 0.75% of the turnover, maximum EUR 130. |
| Additional card | Yes |
| Period of issuance |
|
| Limits for contactless payments | According to the Second European Payment Services Directive (PSD2), after 31.03.2020, it is necessary to enter a PIN for contactless payments in the following cases:
or
After each PIN entry, the process starts again. |
| APR (annual percentage rate of costs) | Example of APR: "19.74% with a credit limit of 1500 euros, term of 1 year. The amount was fully utilized through a POS terminal device, with an annual interest rate of 17.90%, total amount due of 1772.23 euros" |
**Standard interest terms:
They shall be applied to contracts for newly issued credit cards after 10.10.2022. Detailed information on the interest rates for credit card contracts concluded before this date can be found in the "Fibank Interest Rate Bulletin".
***At the discretion of the Bank, collateral may be required.
****Annual maintenance fee:
Promotional terms: The condition relating to the fee is promotional. Detailed information on the promotional terms and period can be found here.
Standard terms: Detailed information on the fees payable on credit cards can be found in the "Tariff of Fees and Commissions of Fibank ".
You can apply easily and conveniently in one of the following ways:
After selecting a card, your application will be processed as follows:
- Virtual credit card – a completely digital process, without the need to visit an office
- Physical card – after processing, you will receive your card at your previously selected Fibank branch within 3 business days for the city of Sofia and up to 5 business days for the country.
