Transcard | Transcard JCB Credit Cards

Transcard JCB Credit Cards

Low price
Up to 10% cash back on purchases in Bulgaria
Interest free period on purchases
Interest charged from the end of the interest free period, not from the date of purchase
High security level due to a chip technology
Free travel insurance

Best suited for
Summary box
Pay less

Credit cards Transcard JCB are suitable for clients who are looking for international credit card at a low price.

JCB is the biggest Japanese credit cards brand. Clients with JCB can make payments at over 12 million points-of-sale in 190 countries, including Bulgaria. JCB card is the best choice for clients who travel to Asia-Pacific countries: Japan, China, Korea, Singapore, Australia, etc.

In Bulgaria only Transcard Financial Services EAD issues credit cards with the JCB logo. International credit cards Transcard JCB provide extra benefits – up to 10% cash back on purchases in Bulgaria and free travel insurance.

Standard or Gold

Transcard Financial Services EAD issues 2 types of international credit cards with JCB logo:

Transcard JCB Standard
Transcard JCB Gold.

Transcard JCB Standard is with a lower annual fee, but higher interest rate. It is suitable for clients who plan to repay frequently their statement in full.

Transcard JCB Gold is with higher annual fee, but with lower interest rate. It is suitable for clients with high income 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 JCB Standard	Transcard JCB Gold
Credit limit	Minimum: BGN 500 Maximum: BGN 20 000	Minimum: BGN 10 000 Maximum: BGN 20 000
Annual interest rate	18.5%	15.7%
Annual fee	BGN 30	BGN 60
Interest free period	Up to 45 days interest free on purchases 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 purchase.
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

How much interest will be charged for one year?

Minimum payment	Payment of BGN 100 each month
interest: BGN 163.11	interest: BGN 108.88

About trans.card

Transcard JCB Credit Cards

Standard or Gold

Pay less interest by repaying more each month