More convenient with more opportunities
Promo Offer
Until June 30, 2026, new and existing clients of DSK Bank can use the Premium Plan with no monthly fee for the first 2 months after signing the agreement. Take it now!
What the Premium Plan includes:
Free access to business lounges
Discount on hotel reservations
through Visa Luxury Hotels Collection and Booking.com
Credit Card Platinum
no annual fee and participation in the loyalty program My DSK Points, up to 30 000 points = 300 EUR per year
Preferential exchange rate
when paying by card in USD, GBP, TRY and 14 more currencies
Premium Plan
10.22 EUR / 19.99 BGN upon 20 card payments*
12.78 EUR / 25.00 BGN without discount
Premium Visa Platinum debit card linked to a EUR account
Premium Visa Platinum debit card linked to a EUR account
You gain access to exclusive services and privileges, provided by Visa. For example, you can enjoy access to business lounges at selected airports with the LoungeKey service, compensation for delayed flights through AirRefund, specialized promotions, and many more benefits.
Unlimited account balance and transaction notifications
Unlimited transfers by mobile number
Unlimited online EUR transfers to all banks in Bulgaria
Unlimited online EUR transfers to banks within the European Economic Area (EEA)
Unlimited online payments for utility bills, local taxes, and fees
Unlimited deposits and withdrawals at DSK Bank ATMs, and withdrawals at OTP Group ATMs abroad
Option for a DSK Start account with a debit card for children aged 7–14, with no account opening or maintenance fees
Option for a DSK Start account with a debit card for children aged 7–14, with no account opening or maintenance fees
An account with a special debit card DSK Start does not use the special price discounts for the services included in the For Salary plan, Unlimited plan and Premium plan and does not participate in the counting of transactions for the purposes of conditional billing of the plan.
Cash deposits/withdrawals up to 13 000 EUR (equivalent amounts in other currencies) per month at bank offices
Cash deposits/withdrawals up to 13 000 EUR (equivalent amounts in other currencies) per month at bank offices
You have preferential conditions for cash transactions in the office. When withdrawing up to 13 000 EUR per month (or its currency equivalent in another currency), there is no fee.
For contributions up to 13 000 EUR per month (or their currency equivalent in another currency) there is no fee.
Unlimited number of additional current accounts in EUR, USD, GBP, and CHF with no opening or maintenance fee
Opportunity for a Platinum credit cardwith the loyalty program “My DSK Points”, up to 30,000 points or up to 300 EUR per year
Opportunity for a Platinum credit cardwith the loyalty program “My DSK Points”, up to 30,000 points or up to 300 EUR per year
The Platinum credit card has no annual fee and is part of the loyalty program “My DSK Points”.
For every 1 EUR spent, you earn 1 point, up to 30,000 points or up to 300 EUR per year. The card is interest-free for POS and online purchases when the full amount due for the statement period is repaid.
Discounts when booking hotels via Booking.com
Discounts when booking hotels via Booking.com
A 4% refund in the form of cashback credits in your Booking Wallet is provided when you pay with a Visa Platinum debit or credit card on the Booking.com platform. The cashback is received no earlier than 64 days after checking out of the accommodation.
To receive the discount, the reservation must be made through this link.
Guide to using a discount on Booking.com with Visa Platinum credit and debit cards
What is the discount?
You can receive credits up to 4% on every reservation made through Booking.com with your Visa card.
The card can be either a Visa Platinum debit or credit card.
What else should you know?
- The reservation can be paid immediately (“Pay now”) or later (“Pay later with Booking.com”) using your Visa card.
- Your discount still applies even if you have a Genius level — the discounts are combined.
- Only properties that display “Earn credits in € ” are eligible for the discount.
How do you get the discount?
1. Access Booking.com through the special link here.
2. Log in to your account. If you don’t have one, you’ll need to create it.
3. Once logged in, the offer activates automatically — but note that it’s not available for all reservations.
4. Select and book your stay.
5. Pay with your Visa card to receive the additional discount.
Preferential FX rates for card payments in USD, GBP, TRY, and 14 other currencies
Preferential FX rates for card payments in USD, GBP, TRY, and 14 other currencies
A preferential exchange rate applies when paying at POS terminals or withdrawing cash from ATMs in foreign currency using Mastercard World Debit, Visa Platinum debit cards, or Visa Platinum and Mastercard Platinum credit cards.
Information about the preferential card exchange rates for various currencies is published in the currency information table here.
When paying at a POS terminal or withdrawing cash in foreign currency with an additional card issued to the main debit/credit card, the standard card exchange rate applies.
Free access to airport business lounges
Free access to airport business lounges
Free visits courtesy of Visa to selected airport lounges: Primeclass T2 in Sofia, and Vienna Lounge T1 and Sky Lounge T3 in Vienna. Accompanying guests of the cardholder in Vienna can also benefit from lounge access at preferential rates.
To access the lounges, a Visa Platinum debit or credit card must be presented. Learn more about the service here.
Additionally, through the LoungeKey service, complimentary access available at five additional locations:
GA Lounge Istanbul (Intl Terminal); LuxxLounge Frankfurt Main (Terminal 1); Al Maha Lounge (South Node), Doha Hamad Intl; Pearl Lounge Abu Dhabi Intl (Terminal A); Plaza Premium Lounge Dubai Intl (Terminal 3)
To use this benefit, registration in the LoungeKey app is required, with the premium card issued by DSK Bank saved as the payment method.
With the LoungeKey service, clients have access to more than 1,800 airport lounges at a preferential rate of EUR 30 per visit. Learn more about the service here.
What is the service?
Holders of Visa Platinum / Infinite cards from DSK Bank receive:
- free access to 8 airport lounges in 6 countries;
- access to over 1,800 business lounges in more than 600 cities across 145+ countries at a special price of EUR 30.
Please note that the number of lounges may vary.
Which airport lounges offer free access?
- Sofia - Primeclass - Terminal 2 (Bulgaria);
- Vienna - Lounge - Terminal 1 (Austria) ;
- Vienna - Sky Lounge - Terminal 3 (Austria);
- Frankfurt - LuxxLounge - Terminal 1 (Germany);
- Istanbul - IGA Istanbul - International Terminal (Turkey);
- Dubai - Plaza Premium Lounge - Terminal 3A (UAE);
- Abu Dhabi - Pearl Lounge -Terminal A (UAE);
- Al Maha Lounge (South Node) - Doha Hamad.
Which lounges are available for paid access?
The Lounge Key service provides access to all other lounges not included in the free list, for a fee of EUR 30 per visit.
Through the Lounge Key app or the platform, you can:
- search for lounges by city or country;
- check access conditions;
- view the services and requirements of each lounge.
How can you use Lounge Key?
1. You must hold a Visa Platinum / Infinite card and be registered in the Lounge Key app.
2. The app can be downloaded:
3. To access a lounge, you must present your Visa Platinum / Infinite card from DSK Bank.
Is complimentary or paid access valid only for you?
If you are a Visa Platinum cardholder:
- For the Sofia airport lounge, you are entitled to up to 2 free accompanying guests.
- For lounges in Vienna, accompanying guests receive up to 40% discount on standard prices. More information here.
- For all other lounges, EUR 30 is charged per accompanying guest.
If you are a Visa Infinite cardholder:
- Sofia - up to 3 free accompanying guests.
- Vienna - up to 2 free accompanying guests.
- For all other lounges listed in the free access section - 1 free accompanying guest.
What are the fees for paid access?
- For paid access, the fee is EUR 30 for you and for each accompanying guest.
- For Vienna:
- Vienna Lounge - Terminal 1: EUR 47 per accompanying guest;
- Sky Lounge - Terminal 3: EUR 36 per accompanying guest.
How many times can you visit the lounges?
Regardless of whether access is free or paid, you are entitled to an unlimited number of visits per year.
What else should you know?
- For lounges in Sofia (Primeclass, Terminal 2) and Vienna (Lounge, Terminal 1 and Sky Lounge, Terminal 3), you must identify yourself with the physical card. If you use the Lounge Key app instead of the card, you will be charged.
- Most lounges have different policies regarding:
- maximum stay;
- included services;
- access for children;
- additional fees.
- It is recommended to check conditions in advance via the app or the Lounge Key platform.
- Some terminals have more than one business lounge. It is important to verify which lounge is included in the Lounge Key program.
- The LoungeKey app provides over 300 additional paid services, such as:
- airport transfers;
- advance lounge reservations;
- wellness and SPA services;
- other premium services.
- You also receive access to premium co-working spaces from Upflex - over 8,000 flexible workspaces in more than 80 countries and 1,200 cities, available for on-demand booking.
Free Travel Assistance Insurance abroad
Free Travel Assistance Insurance abroad
The “Travel Assistance” insurance linked to the Platinum credit card provides a range of benefits, including 24/7 assistance service in Bulgarian worldwide in case of accident or sudden illness while traveling abroad, coverage for lost luggage and personal documents, legal assistance, compensation for delayed flights, and more. More information about the service can be found here.
Flight delay compensation up to 600 EUR with AirRefund
Flight delay compensation up to 600 EUR with AirRefund
AirRefund is a service that provides assistance and automated management of compensation claims for delayed or cancelled flights, with compensation of up to 600 EUR.
For Visa Platinum cardholders, the service fee is reduced to 20% of the compensation amount. The fee will be deducted from the compensation received. More information is available here.
What is the service?
Air Refund provides the opportunity to receive compensation for:
- a flight delayed by more than 3 hours;
- a flight cancelled less than 14 days before departure;
- denied boarding.
How is the compensation determined?
Compensation is determined based on the flight distance and the length of the delay.
- The flight must be delayed by more than 3 hours at the time of arrival, not departure.
- Flights up to 1,500 km - EUR 250.
- Flights between 1,500 km and 3,500 km - EUR 400.
- Flights over 3,500 km - EUR 600.
When can you use the service?
1. Check whether you are eligible by using the “Check compensation” button on the Air Refund platform
2. Fill in your flight information:
- direct flight or connecting flight
- departure and arrival airport
- airline, flight date, and flight number
How can you submit a compensation claim?
1. If your case falls within the listed conditions, select the specific reason for compensation.
2. Fill in your flight information.
3. Specify the number of passengers, your email address, and confirm that the payment was made with a Visa Platinum card.
4. Fill in your personal information.
- At this step, a profile is created using your email address and a password chosen by you.
5. Sign the request.
6. Answer several basic questions related to the flight and the reason for the delay.
What are the fees?
- The fee for Visa Platinum cardholders is 20% of the awarded compensation amount.
- If the airline refuses compensation and Air Refund initiates legal action, an additional 15% fee will apply.
- In this case, the total fee becomes 35%.
- If your flight was under 1,500 km and you are entitled to EUR 250 compensation, after the 20% fee deduction you will receive EUR 200.
What else should you know?
- Air Refund has a 98% success rate, and if you do not receive compensation, you will not be charged.
- If the tickets were paid for with a card other than Visa Platinum, fees of up to 35% may apply.
- For flights within Europe, compensation is capped at EUR 400 under European Regulation 261/04, even if the flight distance exceeds 3,500 km.
- A compensation claim can be submitted up to 3 years after the event occurred.
- For connecting flights, the reservation must be made with the same airline and all tickets must be purchased under a single booking.
- If you did not check in on time, you will not be eligible for compensation.
Visa Luxury Hotels Collection privileges for travel and accommodation
Visa Luxury Hotels Collection privileges for travel and accommodation
The Visa Luxury Hotels Collection provides access to more than 900 premium hotels and resorts in over 45 countries worldwide. When booking through the Visa Luxury Hotel Collection, you can enjoy exclusive premium benefits such as a best-rate guarantee, complimentary continental breakfast for two, VIP guest status, and a food and beverage voucher.
Additionally, subject to hotel availability, you may enjoy a room upgrade upon arrival, complimentary internet access, and late check-out. More information is available here.
On the Visa website, you can find exclusive discounts and special offers at retail locations in Bulgaria and abroad
On the Visa website, you can find exclusive discounts and special offers at retail locations in Bulgaria and abroad
The My Visa Premium platform is a web portal featuring exclusive offers from selected brands both in Bulgaria and abroad — from shopping deals to restaurant discounts and a wide range of special promotions. See all current offers here.
Discounts on car rentals, up to 10% discount
Discounts on car rentals, up to 10% discount
The Visa Platinum debit card and Visa Platinum credit card offer discount of up to 10% on car rentals SIXT.
Learn more about the discounts and how to use them here.
Guide to renting a car with a discount at SIXT
What discount do you get with a Visa Platinum card?
Discounts for Sixt reach up to 10%. They vary depending on the season, availability, and destination.
How do you get the discount?
1. Visit the page from this link. The discount appears automatically when accessing through the link and becomes visible during the vehicle selection step. The discount is available only if you follow the steps through the link.
2. Choose your desired destination, rental period, and vehicle.
3. You can select additional services such as insurance, an extra driver, or a child seat.
4. Enter your personal details.
What else should you know?
- The service may not be available if you are under 21 years old.
- You must have held a valid driver’s license for at least 1 year.
- If using a debit card for reservation, you will be required to present a credit card at the rental location.
- The card used for the reservation must belong to the person who will pick up and drive the car.
Are there any additional fees?
Additional fees may apply, for example if you are under 25 years old.
What is the validity of the offer?
The offer is provided by Visa and is subject to change.
Access to airport lounges in case of flight delay via the SmartDelay service
Access to airport lounges in case of flight delay via the SmartDelay service
If your flight is delayed by more than 60 minutes compared to the information provided by the airport company, you and up to four companions on the same flight are entitled to complimentary access to over 1,000 business lounges operated by LoungeKey.
To take advantage of this service, you must register your flight in advance here.
What is the service?
If your flight is delayed by more than 60 minutes, you and up to 4 accompanying passengers on the same flight receive free access to over 1,700 business lounges operated by LoungeKey.
How is the delay determined?
The delay is determined based on:
- the flight time provided by the airline
- the flight information submitted to FlightStats
When can you use SmartDelay?
1. The flight must be delayed by at least 1 hour before departure.
2. You must register your flight before the scheduled departure time here.
How to register your flight?
1. Enter your Visa Platinum card number and start the registration.
2. Fill in:
- departure date and flight number
- optionally, you can add a return flight using the “Add flight” button
3. Enter your names and the names of your accompanying passengers on the same flight.
4. Provide an email address for confirmation.
- confirm your email
- enter your mobile phone number
5. Review the entered information.
6. Confirm the registration.
How do you get access in case of a delay?
1. If you meet the conditions, you will receive a voucher via the email used during registration.
2. The voucher is sent when:
- the delay reaches 60 minutes, or it is confirmed that it will be at least 60 minutes.
Is there a fee for the service?
No. SmartDelay is completely free for Visa Platinum cardholders.
What else should you know?
- You must register your flight before the scheduled departure time here.
- You must be at least 18 years old to use the service.
- By activating SmartDelay, you are automatically enrolled in the Air Refund service. For more information about the Air Refund service, click here.
- Air Refund is also free for Visa Platinum cardholders.
- You can opt out of Air Refund at any time.
Preferential lending conditions
Access to Premium Deposits
Personalized service from a dedicated personal banker
Personalized service from a dedicated personal banker
You receive assistance from a single bank representative for all your matters:
- Advice on financial matters and projects – loans, investments, etc.
- Support with banking transactions outside digital channels
- Assistance in urgent situations related to banking products and services
- Feedback on used products, services, or customer service
Service in Premium Banking Centers and Premium Zones – over 50 locations across Bulgaria
24/7 instant support from the Contact Center
Remote document signing with a Qualified Electronic Signature (QES)
Monthly newsletter on economy, finance, and lifestyle topics
* Monthly fee applies if 20 payments (POS or online) are made and booked with any of the debit or credit cards linked to the plan (EUR or USD) within the calendar month. If the condition is not met, the standard monthly fee of EUR 12.78 / BGN 25.00 applies.
Additional fees may apply for certain transactions or services not included in the plan.
Additional fees may apply for certain transactions or services not included in the plan.
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