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MasterCard international credit cards with DDA chip

Anywhere, anytime and in any local currency!  DBank_MasterCard_Individuals

Have you got your credit card MasterCard Standard or MasterCard Business from D Bank?

And now you can have the latest version of Flexi, which undoubtedly offers you new, additional benefits and better terms.

Our cards provide you with more security, due to its advanced, protective chip technology.
The integrated smart chip in D Bank’s MasterCard and Maestro cards is virtually impossible to be duplicated, as the client’s information is encrypted and engineered to be tamper resistant, guaranteeing maximum protection and security on a daily basis.
However, unlike the previous type of cards (magnetic striped), entering your PIN code is required, when paying at merchants with the chip ones.

With your credit card you can get the following:

  1. Get access to the money in your account anytime, anywhere – easy, comfortable and secure.
  2. Withdraw money from more than 900 thousand ATMs or cash advances in Bulgaria and abroad and purchase goods in 18 million POS merchant terminals.
  3. Buy goods or services:
  • in stores,
  • on the internet,
  • rent-a-car, or
  • make reservations for tourist services, airplane tickets or hotels all over the world.

      4. Purchase goods using a grace period of up to 45 days if you pay in full your debt on the settlement date
      5. Buy and use goods now and pay in installments if you choose to pay your debt partially
      6. Flexi latest version of MasterCard Standard or of MasterCard Business allows you to buy and repay daily instead of waiting till the maturity date.
      7. With Flexi you can revolve on a daily basis your credit limit together with a 45-days' grace period, get more favorable interest rates, a lower annual management fee and a monthly installment of 3%.

     8. Increase the available amount on your card over the credit limit by transferring money in your card account.
     9. Give additional cards for people who are close to you or officers of your company with individual transactions limits, set by yourself.


No fee for the card issuance,

No fees on merchant POS transactions,

Free monthly statement via e-mail,

Free traveler and medical insurance,

Free registration for the services SMS notification and SMS balance check.

Now we offer you a 50% discount on the service fee during the first year, when issued a MasterCard Business credit and debit card for individuals or for business clients as well. As an additional requirement you are expected to activate your card to be activated till May 20th, 2016. In this case you can use the debit card versionfor BGN 25 only and your credit card -for BGN 36.00 during the first year .

Your benefits are the following:
  • higher transaction limits and
  • higher insurance coverage.

You can choose between BGN, EUR or USD currencies for your card.

The validity of the card is 12 moths.

How much it will cost you?

Free issuance of the card, 

No maintenance fee for the card account,

No fees on merchant POS transactions in Bulgaria and abroad,

Annual card fee according to the card brand,

Interest is charged only on the utilized credit.

Recently D Bank has introduced its MasterCard Standard cards with a new feature - an innovative and useful mobile payment apps for shopping in stores, gas stations, fast food restaurants, cafes, internet, drawing cash from an ATM and more. It lets you pay by tapping your D Bank MasterCard to any merchant checkouts, marked with the PayPass symbol, and payment is on the way for a few seconds, followed by a confirming light and sound signal from the device, while the card never leaves the cardholder’s hand so he is always in control. In Bulgaria PayPass payments up to BGN25 are processed withount entering your PIN code, while for payments, exceeding this amount, are made in the familiar way - by entering a PIN.

Payments on the internet are secured by 3D Secure facility of D Bank / MasterCard, and customers can enjoy also D Info facility (SMS/e-mail notification) for following down each purchase made in a shop. Due to the encrypted chip, the communication link between the card and the terminal is fully protected against fraudulent transactions. The Bank will issue debit and credit MasterCard Standard cards, applied after April 21, 2016, with the new contactless functionality, and also in
the case of automatic renewal or reissuance prior to the expiry date.

Who is intended the MasterCard for?

For every one over 18 years of age, who has an identity card and has enough income to cover the payments for the credit, or for officers of your company with individual transactions limits, set by yourself

The application documents needed are as follows:

Application for card  issuance, 

Identity card,

Document (s) proving your incomes for the last 12 months

If you lose your card or it gets stolen, call us immediately to block it on +359 2 46 41 171 during working hours and on +359 2 8705149 or +359 2 970 26 00 after working hours.

Documents (available in Bulgarian):

- Application form

- General terms until June 21st 2016

- General terms as of June 21st 2016


- Tariff (section ІV)

- MasterCard Standard transaction limits

- MasterCard Business transaction limits

For more information about our new interest rates on deposit and savings contracts you may visit the page with the Bank's Interest Rates Bulletins.