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Visa business card
Visa Card is connected to the company’s current account in BGN, EUR or USD depending on your needs. The payments with Visa are carried out in the currency of your current account, no matter of the local currency type.


Visa cards allows you to:
  • Withdraw money via ATMs, POS or in a bank in specific currency in the country and abroad
  • Pay for goods and services via POS in the country and abroad
  • Make reservations of flight tickets, to book hotels, rent-a-car, to pay for tourist services, to order goods in Internet or via phone/fax or by post
  • Pay for goods and services via Internet
  • Check via ATMS for account balance and last five transactions, to change the PIN, etc...
 
Visa cards can be provided to several employees or authorized users, whereas the cards will be connected to the company’s current account. The manager of the company defines the individual limit of each credit card and the transaction limits for all the cards.
 
 
  • Fast access to credit:

- Up to 50000 BGN credit limit according to company’s size
- An interest-free period of 35 days in case of used credit limit. Credit limit has been used for purchases and/or cash withdrawals
- Automatic renewal of the credit limit in case the used credit amount is entirely paid off the 5th of the next month

 

  • Flexibility:

- Distribution of the whole credit limit into smaller sub-credit limits, which are allocated to the cards of employees or to authorized users as per the company’s request;
- Flexibility in credit management – possibility for repayment of the used credit via - Internet/through BankOn Web / or in the branch

 

  • Control:

Detailed statement about all the expenses per card, available by e-mail, post or via Internet

Possibility to block one specific card used by a certain employee, or to change its card limit

 

  • Care for you: Each card of Societe Generale Expressbank includes free travel insurance in the country and abroad for the cardholder:

Medical Insurance for travels abroad: The insurance is made in AIG Bulgaria (SoGeLife) and is fully covered by Societe Generale Expressbank. The insurance policy includes 17 different occasions in case a travel tourist service from abroard is bought with the card. Insurance occasions and insurance limits are described in details in the Annex to the Contract of credit card issuing.

Life Insurance for Bulgaria: The owner of Visa Business is assured for accidents caused to death with policy limit of 2000 BGN, respectively 1000 EUR/USD on the territory of Bulgaria and the owner of Visa Gold is assured for 3000 BGN and 1500 EUR/USD. The cover is valid in case of payment done with the insured card in the territory of the country.

 
In case of emergency, please get in touch with the Support Center for Travel insurance:

+ 7 495 661 93 40 - abroad
02 980 73 40 - in Bulgaria
Who is Visa card for?
 
Visa Card is suitable for all types of companies whose managers or authorized employees need this easy-to-use and attractive product.
 
What is Visa card? 
 
Visa Card is connected to the company’s current account in BGN, EUR or USD depending on your needs. The payments with Visa are carried out in the currency of your current account, no matter of the local currency type.
 
Societe Generale Expressbank offers the following types of Visa cards:

  • Visa Business and Visa Gold as a debit card – when you want to use the card with immediate payment of each transaction up to the availability of the current account.

  • Visa Business and Visa Gold  as a credit card (charge card) – in this case, you are using a bank credit limit. For all transactions in the period between the 1st and 30th of the current month, there is a grace period of 35 days without interest.
 
  • Credit limits:
 
The amount of credit limit of Visa Business and Visa Gold credit cards is defined by Societe Generale Expressbank after assessment of the applicant-company. 
 
  Visa Business Visa Gold
Limits BGN EUR/USD BGN EUR/USD
Limits per transaction
Payment at POS 4 000 2 000 6 000 3 000
Cash at POS/ATM 4 000 2 000 6 000 3 000
24 hour limit 
Payment at POS 5 000 2 500 6 000 3 000
Cash at POS/ATM 5 000 2 500 6 000 3 000
Total 7 000 3 500 6 000 3 000
Max number of transactions for 24 h 40 40
7 day limits
Payment at POS 10 000 5 000   6 000
Cash at POS/ATM 10 000 5 000   6 000
Total 12 000 6 000   6 000
Max number of transactions for 7 days 80 80
 
Prepayment:
 
The amount due is automatically repaid from the company’s current account on the 5th of the next month. You can prepay free of charge and free the credit limit for further use.
 
Transaction limits:
 
Societe Generale Expressbank charges fees according to the tariff for fees and commissions of the bank.