Take advantage of the promotional terms from 1 July to 30 November 2026 and get a new Mastercard Gold or Mastercard Standard credit card with no maintenance fee for the first 12 months.
Offer validity conditions:
The promotional terms apply to Mastercard Gold and Mastercard Standard credit cards issued by Municipal Bank and activated during the campaign period.
The promotional terms do not apply to Municipal Bank employees.
Mastercard Standard Credit Card
Product features:
- Credit limit from 250 to 2,500 EUR;
- Monthly maintenance fee for the primary card during the first 12 months - 0.00 EUR or annual maintenance fee for the first year - 0.00 EUR;
- Monthly maintenance fee for the primary card after the first year - 2.05 EUR or annual maintenance fee - 24.55 EUR;
- AIR - 17.70% (consisting of the Bank's internal index of 0.98% plus a margin of 16.72%);
- Contactless and contact payment functionality for transactions at ATMs, POS terminals and online in Bulgaria and abroad.
Benefits:
- Monthly maintenance fee during the first 12 months - 0.00 EUR or annual maintenance fee for the first year - 0.00 EUR;
- Grace period of up to 45 days, applicable to both payments and ATM cash withdrawals;
- CASH BACK bonus for regular payments made with the card using the granted revolving credit;
- No fee for issuing the primary card;
- Automatic registration for the “3D Secure Online Payments” service; - Guide to registering a static 3D password
- SMS notifications for transactions;
- Option to issue up to 4 additional cards;
- Option to receive transfers to the card (MoneySend).
Representative example for Mastercard Standard: For a total credit amount of 1,000 EUR, fully drawn through a POS transaction, with a variable Annual Interest Rate (AIR) of 17.70% (consisting of the Bank's internal index of 0.98% plus a margin of 16.72%) and a monthly maintenance fee of 0.00 EUR, the Annual Percentage Rate (APR) is 19.21%, calculated on the assumption that the amount due is repaid in 12 equal monthly instalments and that the interest rate remains unchanged until the end of the agreement. The total amount payable by the customer is 1,098.45 EUR. Monthly instalment: 91.54 EUR. Total cost of credit: 98.45 EUR. Total maintenance fee discount for the repayment period: 24.60 EUR.
Mastercard Gold Credit Card
Product features:
- Premium-class card product;
- Credit limit from 2,500 to 10,000 EUR;
- Monthly maintenance fee for the primary card during the first 12 months - 0.00 EUR or annual maintenance fee for the first year - 0.00 EUR;
- Monthly maintenance fee for the primary card after the first 12 months - 4.10 EUR or annual maintenance fee after the first year - 49.10 EUR;
- AIR - 15.70% (consisting of the Bank's internal index of 0.98% plus a margin of 14.72%);
- Contactless and contact payment functionality for transactions at ATMs, POS terminals and online in Bulgaria and abroad.
Benefits:
- 4 free visits per year to airport business lounges worldwide;
- Grace period of up to 60 days, applicable to both payments and ATM cash withdrawals;
- CASH BACK bonus for regular payments made with the card using the granted revolving credit;
- Free “Travel Assistance and Medical Expenses Abroad” insurance;
- 4 Airport Security - Fast Track passes;
- No fee for issuing the primary card;
- Automatic registration for the “3D Secure Online Payments” service; - Guide to registering a static 3D password
- SMS notifications for transactions;
- Option to issue up to 4 additional cards;
- Option to receive transfers to the card (MoneySend).
Representative example for Mastercard Gold: For a total credit amount of 4,500 EUR, fully drawn through a POS transaction, with a variable Annual Interest Rate (AIR) of 15.70% (consisting of the Bank's internal index of 0.98% plus a margin of 14.72%) and a monthly maintenance fee of 0.00 EUR, the Annual Percentage Rate (APR) is 16.88%, calculated on the assumption that the amount due is repaid in 12 equal monthly instalments and that the interest rate remains unchanged until the end of the agreement. The total amount payable by the customer is 4,891.80 EUR. Monthly instalment: 407.65 EUR. Total cost of credit: 391.80 EUR. Total maintenance fee discount for the repayment period: 49.20 EUR.