Mastercard UNIVERSE - a whole new UNIVERSE of opportunities

Created to go beyond the limits of what is possible!


Bulgaria’s first metal credit card Mastercard UNIVERSE – a combination of unique design and incredible privileges


Using the highest-class credit card in Bulgaria, you become one of Postbank’s most special clients and benefit from opportunities and discounts only you would receive.


Some of the advantages that come with Mastercard UNIVERSE credit card are:


Specialized premium service

in Postbank’s Premium Centers where your needs would be taken care of by a premium banker in addition to a phone line set up specially for you.


∞  A persоnal assistant as part of the Concierge service

which gives you the opportunity to make hotel and restaurant reservations, purchase event and travel tickets, as well as anything else you might need. The service is one call to 0800 18 333/02 495 17 29* away. Email for Mastercard Universe card holders:


∞  The highest limit of Postbank’s Travel Assistance Abroad insurance

of up to EUR 200,000. The insurance certificate of your credit card contains detailed information about the insurance coverage.


∞  Special discounts for luxury hotels, restaurants and bars, and more selected sites and services provided by Postbank’s partners**:

  • Hilton Hotel, Seasons restaurant – 10% discount
  • Hilton Hotel, Artist bar – 10% discount
  • Grand Hotel Millennium, reception desk – 10% discount
  • Mediterra restaurant – 10% discount
  • Ozone Skybar and Lounge – 10% discount
  • Urban Garden Café – 10% discount
  • Millennium Spa & Wellness – 10% discount
  • "The Sphere Lounge"- 10% discount
  • "Lobby Lounge"- 10% discount
  • "My Restaurant"- 10% discount
  • "Vienna Cafe & Restaurant"- 10% discount
  • ARTE Spa & Park hotel, Velingrad – 10% discount
  • Grand Hotel & Spa Primorets – 5% discount
  • Altinbas jewellery stores – 20% discount
  • Queen’s Winery House - 10% discount.
  • Restaurant "La Mer" - 10% discount
  • Restaurant "Spectrum" - 10% discount
  • The Sphere Lounge - 10% discount
  • Lobby Lounge - 10% discount
  • M Restaurant - 10% discount 
  • Vienna Café & Restaurant - 10% discount 



∞ Mastercard Premium program

You can take advantage of different benefits and special offers which are part of Mastercard Premium program. More information is available here


  10 free visits a year in airport lounges under the LoungeKey™ program***

Provided to Mastercard UNIVERSE credit cardholders. The program gives you access to conveniences in over 1 200 specialized airport lounges around the world. More information is available here.

When you visit an airport lounge, please inform the employee that your card gives you access to LoungeKey program and present your physical card (card plastic).

∞ Airport Security Fast Track

Fast Track allows passengers to have preferential access to a dedicated lane straight to the security checkpoint, speeding up the checkpoint process. The service is available in more than 70 airports. The price is between 3.15 EUR and 17 EUR and depends on the airport.

The full list of airports and more details about the service is available here.


∞  Unlimited free access

To Aspire Lounge at Sofia airport, Terminal 2 as well as

-  SKY Lounge at Vienna Airport, Terminal 3

-  Primeclass Business Lounge at Skopje Airport

-  Kepler Club at Istanbul Sabiha Gokcen Airport

-  IGA Lounge at Istanbul Airport

-  IGA Sleepod at Istanbul Airport

-  Business Club at Belgrade Airport, Terminal 2


∞ The most generous loyalty program MyRewards

 Giving you the chance to claim up to BGN 1 000 a year. Postbank offers you an additional 10% discount (up to BGN 100) if you use your card on your birthday.


∞  Mobile wallet ONE wallet by Postbank with many possibilities

You can use for free Postbank's ONE wallet - with it you can control your cards, make contactless payments and fast money transfers and you receive a digital card for free.

∞  Postbank’s longest grace period

Up to 60 days when making purchases and cash withdrawals with Mastercard UNIVERSE credit card.

Mastercard UNIVERSE is a symbol of your exceptional style and our strive to guarantee you new and unexpected opportunities! Should you happen to need more information or assistance, do not hesitate to contact us. The phone line created specifically for you is 0800 18 333.


*The service is available anywhere in the world from 09:00 to 20:00 on Monday-Friday and from 09:00 to 17:30 on Saturday.

**The discounts are valid for purchases made via the bank’s POS terminals in the listed commercial sites until 31 December 2024. The discounts are applied to the current label prices of the goods or services offered by vendors and cannot be combined with other discounts. The discounts cannot be applied to deferred purchases. Cardholders receive the discounts in the form of a cash back transaction to their credit card which appears in their monthly statements where their purchases made under the above-listed promotional conditions are also listed.

***As a holder of Mastercard UNIVERSE credit card by Postbank, you receive a total of 10 free visits a year in VIP lounges for you and one companion (for example: 10 visits for one person or five visits for two people). The visit cost is blocked for up to three days and is unblocked if there are free visits available for the respective credit card. The price after the 10th visit is EUR 30 per person.