Credit card Mastercard Standard

Credit card Mastercard Standard


  • Automatic Cash Back for all purchases
  • The lowest annual interest rate on the market
  • The longest grace period in the country – up to 60 days
  • Free travel insurance package
  • Validity term - 5 years
  • Secure online payments

Investbank AD has the pleasure to present to you the international contactless Mastercard Standard credit card. We could issue add-on cards to members of your family as well. You could use your Mastercard Standard credit card in 24 million service establishments and 160 countries worldwide. 

Some of the main features and benefits of your Mastercard Standard are:

  •  Pay with your Mastercard Standard and for each spent BGN you receive cash back in accordance with the terms and conditions of “Cash back” loyalty scheme;
  • No fee for issuing and reissuing of the card, no fee for payments at merchants in Bulgaria and abroad, no fee for payments online
  • The lowest annual interest rate on the market – 15% annually or only 1.25% over your monthly dues
  • You don’t need to pay interest - You benefit from the longest grace period in the country up to 60 days, a period in which you could repay your obligations without being charged with interest.
  • You also benefit from free travel insurance package – up to 10 000 EUR liability while traveling abroad, covering hospitalization abroad, emergency examination, emergency dental care, luggage theft, 3rd party liability coverage etc.; 
  • High security of payments, guaranteed by the chip technology as well as the 3D secure card protection service for safer online payments;
  • As of 18.01.2021 the bank offers biometric authentication for online payments. All existing cardholders of the Bank with registered cards for the 3D secure card protection service could install Borica’s application – a stand-alone mobile application for smart phones. The service could be used by customers with Android and iOS phones.
  • The application 3DSec is Borica branded and has to be installed on the mobile device. The onboarding process is very simple. The application 3DSec could be found at:
  • When paying online on merchant websites branded with Mastercard Identity Check, the cardholder chooses an authentication method – biometric authentication or input of static and dynamic password.

The static password, printed on the PIN mailer has no expiry date and could be changed at any time by the cardholder at Borica’s clients portal

The service is applied to all cardholders who have registered a valid mobile phone number in a bank’s office. 

  • Availability of SMS notification service for all payment transactions;
  • Additional benefits and discounts at Mastercard’s partners throughout the world.

The full list of merchants offering discounts when paying with your Mastecard card could be found at

In order to insure the security of the funds on your card, Mastercard Standard has pre-defined transaction limits published at the Bank’s tariff

Should you like to change the transactional limits, you could fill in a specialized form at any bank branch

Should you have more inquiries regarding the most current benefits of Mastercard Standard credit card, please contact one of our representatives at 0700 12 555 or write us an e-mail at