With their low prices, cash back and interest free period on all transactions domestic credit cards Transcard are very suitable for everyday use in Bulgaria.
Transcard Classic is with lower annual fee, but higher interest rate. It is suitable for clients who plan to pay frequently their statement in full.
Transcard Gold is with higher annual fee, but lower interest rate. It is suitable for clients who plan to make larger purchases and repay their statement balance in parts.
This Summary Box gives clear information about the key features of the cards and does not replace any terms and conditions.
Key features
Transcard Classic
Transcard Gold
Credit limit
Minimum: BGN 500 Maximum: BGN 8000
Minimum: BGN 3000 Maximum: BGN 8000
Annual interest rate
18.5%
15.7%
Annual fee
BGN 24
BGN 36
Interest free period
Up to 45 days interest free on purchases and cash withdrawals if the statement balance is paid in full and on time each month
Interest charging information
If interest is payable, it will be charged from the end of the interest free period, not from the date of transaction.
Minimum repayment
3% of the statement balance plus interest and fees if charged
Pay less interest by repaying more each month
The example below shows how much you can save if you pay more than minimum payment each month.
The following assumptions have been made:
Purchase for BGN 1200 on the 1st of January and no further transaction made
Annual interest rate of 18.5% after the interest free period
No fees charged
Monthly payments made on the due date each month
Minimum payment is 3% of the statement balance plus interest charged
