Visa Infinite is your guarantee for impeccable quality and first class service all over the world
Access to funds anytime, anywhere
Interest accrues only to the used card balance
Up to 45-days grace period
Payment flexibility - you can either pay your balance in full or pay it over time. Each repaid amount could be used again
Convenience when traveling – make hotel reservations, book air tickets or Rent-A-Car easily
You can overpay your credit card to increase the limit and make higher transactions
You can order a supplementary credit card to your relatives/siblings at a lower maintenance fee
Secure internet payments: confirmation with your static PIN code and one time 3D password sent via SMS for online card payments at merchants participating in the security programs Visa Secure and Mastercard Secure Code
Card control - free SMS notifications for transactions
Free SMS notifications for monthly minimum due amount
No interest accrues over the spent amount on merchants for the last current period in case of full repayment on the due date
Preferential interest rate in case you make purchases for at least 500 BGN in min. 5 transactions during the last current period.
Pay contactless and avoid carrying cash
How much I need to repay monthly and when?
Each month, on billing date (date you have selected previously usually 10th or 20th day of month) a minimum due amount is calculated (revolving amount) and needs to be deposited on the card account. The minimum due amount is not a fee but amount which makes your card to “revolve”. After depositing, it is again available to use.
Please, pay attention: You have to pay the minimum due amount within 15 calendar days following billing date. If you cover all your spending, no interest shall be due on the purchases in merchants for the last current period indicated in the card statement.
Where can I see how much I owe?
Each month, after the end of your credit card current period, the Bank generates a card statement which contains:
- minimum due amount
- due date
- spent amount from the credit limit as well as the details for the transactions.
For your convenience, we offer you different possibilities for receiving your monthly statement:
- Online via DSK Direct
- In branch of DSK Bank;
- On hard copy sent to your address
Information for minimum amount due can be obtained:
- At branch of DSK Bank
- Online via DSK Direct
- Via SMS notification
- Via our Call center (tel. 070010375 or *BDSK /*2375/).
Where can I pay the minimum due amount?
There are variety ways to settle your card obligations. You can easily pay your balance in full or pay it over time through one of the following options:
In branch of DSK Bank
Through bank remittance on the account of your credit card – in your online banking platform DSK Direct, in branch of DSK bank or from another bank;
Through mobile banking platform DSK Smart;
Cash in service – deposit on ATM of DSK Bank. The service is free of charge.
Recurring payment from your current account in DSK Bank (the service is free of charge and is offered only for the minimum due amount)
There is money-back discount of 1% applicable on POS transactions on POS in Bulgaria and abroad, including online. The program applies to all primary and supplementary cards of the customer.
The discount is paid off once a year – in December of the current calendar year for the transactions made through the previous 12-month, irrespectively from the time of card issuing and activation. The maximum money-back amount is limited to 200 BGN.
Money-back discount is paid off in BGN regardless of the currency of the card
If customer has more than one credit card, the money-back discount is paid off on the card with lower available credit limit as of the transaction date. If the currency of the card is different than BGN, the Bank applies the respective currency exchange rate as of the date of transaction.
Bonus in case of full repayment of due amount
In case you pay your outstanding balance in full within 15 calendar days period after billing date, no interest shall be due for the purchases on POS in merchants, including online, for the last current period indicated in the statement.
Bonus for active customers
In case you make minimum 5 transactions for at least 500 BGN (purchases or ATM) in a single billing period, you can benefit from 1.5% lower interest rate on your credit card balance during the next billing cycle.