MasterCard and Visa Credit Cards

Would you like a credit card and have a profitable credit in the whole country and in the world, buy on the Internet, use the account for other payments? Take your Visa or MasterCard credit card with a chip from the Central Cooperative Bank.
It’s your precious card because it provides you with prestige and self confidence that you deserve. Shopping with it is a true pleasure. You use credit under profitable conditions at any time and every where in the world.

Your Visa or MasterCard credit card can have a chip. Gain more security and profit from the chip cards advantages!

You can order your credit card without visiting the bank!

You can use your card in any situation

With your credit card with chip you can:

  • Pay for goods and services in shops, restaurants, hotels, tourist agencies, airlines, museums, theatres in more than 220 countries
  • Make hotel reservations, reserve and pay a plane ticket, theatre or concert ticket
  • Rent a car without a deposit
  • Shop on the Internet
  • Withdraw cash 24 hours a day from over 1,000,000 ATMs worldwide
  • Withdraw cash from bank desks worldwide

Shop tax free

You shop tax free with your Visa or MasterCard in trade points in Bulgaria and abroad as well as on the Internet.

Pay easily and comfortably your household bills

You can use your credit card also net of fees, in order to pay your utility bills for phone, electricity, water supply, heating and cable TV. From an ATMs select the menu B-pay and enter the trader’s data and your account.

Free insurance policy

If traveling abroad you use a free insurance policy.The bank delivers you an insurance certificate together with the credit card. To activate your insurance all you need is to use you credit card in connection with your trip. In case of need, call +359 2 979 46 70. You will receive free medical assistance and protection against 22 insurance events for the amount of USD 30,000.

Visa and MasterCard chip cards advantages

Visa and MasterCard chip cards have been created using modern technologies that insure higher security, comfort and additional functional options. With your chip card you win the following advantages:

  • Lower risk - information on your chip card is encrypted which means that it is protected to the highest degree and in fact it is not possible to copy data from the chip.
  • Higher security - until recently almost all payments with credit cards used to be done without a PIN code, with a signature on the POS receipt in the trade point. With you chip card you can enter more often your PIN code which makes the card use more secure.
  • Increased effectiveness - the chip makes possible to use the card in places where card with magnetic bands cannot be accepted due to unreliable or too expensive communications.
  • Additional functions - the chips allow to store and treat additional information which so far was not possible with the magnetic band cards. This will let us offer you in the future bonus programs that will make our Visa and MasterCard chip cards even more attractive.
  • Faster transactions - the chip makes possible most of your card transactions to be done faster.
  • Increased protection - in case of disputable transactions with your card abroad, you have better rights with you chip card compares to the magnetic band card.
  • Universal application - your Visa or MasterCard chip card has also a magnetic band which makes possible to use it also in ATMs and POS terminals that are still not suited to accept chip payments.

Choose the best credit card for you

Favorite Credit Card

Save interest with a profitable credit!

  • You use an extremely long grace period - up to 60 days when shopping
  • You use credit worldwide
  • Low interest beyond the grace period - 14%* in BGN, EUR and USD:
  • Very low interest for the newly issued cards Visa Gold and MasterCard Gold - 10%** in BGN, EUR and USD
  • Only with your ID card - without income proving documents for a credit limit up to BGN 5,00
  • Free SMS - each month you receive an SMS containing information on your liabilities
  • Freedom for repayment of the used amount with your credit card: - you can deposit the whole amount covering your debts till the end of the precedent month, in order to use the 60-day grace period, or to deposit a minimum installment.

Comfort Credit Card

Numerous cards to one account!

  • Credit and debit card to one account – you use the credit card advantages abroad and debit card advantages in Bulgaria
  • Several credit cards to one account – a credit card not only for you but also for your relatives
  • Only with your ID card – without income proving documents for a credit limit up to BGN 5,000
  • Possibility for an overdraft on the same account
  • Possibility for transfers and transactions from the account
  • You use credit worldwide

Order of a Visa or MasterCard chip card

  • You choose a credit card MasterCard or Visa with chip and magnetic band
  • You choose the card type according to your needs and preferences – Favorite, Comfort or Guaranteed Card
  • Also between Standard/Classic, Business and Gold Card
  • It can be a personal or company card
  • You choose between BGN, EUR and USD
  • Card approval takes up to 2 business days
  • Free issuance /for the cards with standard card design/

Fill in the Credit card issuance application (143.9 KB) and visit one of the bank offices (Branch network).

You can order your credit card without visiting the bank!

Additional services you can make with your Visa and MasterCard credit cards

You can use important services for you convenience and comfort with the CCB credit cards:

  • SMS Detective - purchases in the trade points as well as on the Internet are secure and risk free. You receive immediately an SMS at the moment of payment or cash withdrawal.
  • Easy-info - you know you card disposable balance in any time; you can check on the Internet, via a phone call or sending an SMS.
  • SMS messages - you receive information about you disposable balance and any movement on the account via SMS to your mobile phone.
  • CCB Online - by means of the CCB Internet banking you supply your card account, track the movements of your money and make the bank transactions you need, wherever you are.
  • B-pay - you can use your credit card again net of fees for the payment of your utility bills for phone, electricity, water supply, heating, cable TV. On a cash dispenser select B-pay menu and enter the trader’s data and your account.

Useful information about Visa and MasterCard cards

List of ATMs abroad

Tariff for the payments with credit cards Visa and MasterCard
General terms and conditions under the contract for the issuance of credit cards
Limits for transactions with credit cards MasterCard and Visa in BGN, USD and EUR

In case of stolen or lost card

If you card has been stolen or lost you need to call CCB or Borica, in order to block it.

In CCB – night and day phone number:

  • 02/9266 523 and 02/9266 527
  • 0889/934 694

In BORICA – night and day (to block the card in BORICA you need to know its number) phone number 02/8705 149 and 02/9702 616

For additional information:
Call phone number 0800 11 400 /the phone call is free for customers from the whole country/ or 02/9266 500, you can write to us to the address: cards@ccbank.bg

* The annual percentage rate for the card with a credit limit BGN 1000 and interest rate 14.00% is 14.93% for the first year and 20.58% for each following year (upon an annual fee of BGN 25). Upon the calculation of the annual percentage rate the Bank does not take into consideration the grace period up to 60 days; it is assumed that the whole credit limit is utilized immediately and entirely, provided for term of 1 year and is repaid in 12 equal monthly installments.
** The annual percentage rate for the card with a credit limit BGN 5000 and interest rate 10% is 10.47% for the first year and 14.30% for each following year (upon an annual fee of BGN 90). Upon the calculation of the annual percentage rate the Bank does not take into consideration the grace period up to 60 days; it is assumed that the whole credit limit is utilized immediately and entirely, provided for term of 1 year and is repaid in 12 equal monthly installments.


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