In December 2011, Alpha Bank Bulgaria launched the newest and most nnovative card product in the market - Dynamic Visa co-branded credit card.

Dynamic was created as a result of the strategic partnership established between Alpha Bank and Carrefour in Bulgaria. Dynamic Visa is also the result of Alpha Bank's in-depth understanding of Bulgarian consumers shopping habits as well as the bank's desire to help them become more rational and responsible.

The Bank's belief is that Dynamic will make the shopping experience more enjoyable and smart. It is also a shared understanding that Dynamic card is not intended to incur higher debt for the cardholders but rather change the way they pay for their purchases  through card on POS, not in cash.

The greatest advantage of the card is that it offers a 'return on each purchase'. The 'return' for cardholders is equivalent to a percentage discount from the value of each purchase that customers make using the Dynamic Visa card. The sum of those discounts accumulates and is provided back to customers in the form of a voucher. The minimum cash-back amount is equivalent to 1% on each payment made with a Dynamic Visa at a POS terminal in Bulgaria.

Dynamic Visa enjoys a network of merchant partners, attracted from the very start of the program. It already includes more than 20 popular brands and stores throughout the country such as Gap, Tom Tailor, BATA, Nine West, Tally Weijl, Luisa Boutiques, Six, Starbucks, FloCafe, SEAT, Hertz, Art Unity, Life Unity, K-express, Mobexpert, Christior, Bubbles, Thai Spa, Bodega Tapas and Wine, Denyl. When used in the partner network, Dynamic provides bigger benefits to it cardholders with cash-back starting from 4% and reaching as much 24%!

Dynamic's  main partner is the French chain of supermarkets Carrefour, where the cashback return is 10% of the sum of each purchase.

"In order to make shopping simple for our customers and to reward their loyalty, we have developed Dynamic Visa. At Alpha Bank, we understand our clients' customs and we always work with them to ensure their comfort and security through unique products such as Dynamic Visa", says Mr. Lytras, CEO of Alpha Bank Bulgaria.

The customers can apply for Dynamic Visa through innovative multi-channel platforms in every Carrefour store such as DYNAMIC VISA stands manned by an Alpha Bank expert and DYNAMIC branded phone booths, as well as online through www.loanadvisor.eu, over the phone  calling 0800 19 222 (toll-free number)  or at the nearest Alpha Bank office.

The interactive loan advisor – Personal Loan Advisor, has been created to provide advice to consumers in a simple language. The effectiveness of this platform is testified by it recently winning two first prizes, in the BG Site Awards for 2011 in the categories “Banks and Finance” and “Online services” voted by the public.

Applying for Dynamic VISA is free of charge across all aforementioned channels. You can get more information at: www.alphabank.bg; 0800 19 222, as well as in the nearest Alpha Bank office.

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