Skip to main content
Login with User Code
User Code: this code is required to access your account through the website or the Millennium App
I don't have or remember this code

Invalid access data

Fill in the user code

Or with Digital Mobile Key

How does it work? Gov.pt

Not a Customer yet?

Open an account online
Código de Utilizador This code is required to access your account through the website or the Millennium App
Classic card
Classic card
Classic card
Classic card
Apple Pay Google Pay

Classic TAEG 16.0%

The card to buy now and pay later

Apple Pay Google Pay
Classic card
Classic card
Join Cliente Frequente or Mais Portugal and pay no annual fee
View accountsView accounts
Subscribe to Millennium Travel and travel with ZERO math headaches
View Millennium TravelView Millennium Travel
On the app, split purchases into 3, 6 or 9 installments (TAN up to 9.000%)
Learn moreLearn more
Spend €1,200 on Visa network purchases and get your annual fee refunded
Experience up to 25% off Avis car rentals
View discountView discount
The Classic card is made of 100% recycled plastic

Rates and Fees

Here's how to get the annual fee waived

Annual fee
10.40/year 10.40/year

Stamp duty included.
Annual availability fee charged in advance. First charge in the month of card issuance and, in subsequent years, in the same month.
If you did not join one of these accounts, you can get a refund of the annual fee if you spend €1,200 on Visa network purchases.
Interest rates
Global Annual Charge Rate (TAEG)
16.0% 16.0%
Nominal Annual Rate (TAN)
13.900% 13.900%

16.0% TAEG and 13.900% TAN for a €1,500 credit limit paid in 12 equal monthly installments of principal plus interest and charges.
Annual fee of €10.40, charged in advance. The first charge is in the month the card is issued and, in subsequent years, in the same month as the initial charge. Stamp duty included.
Subject to credit risk analysis.

Payment in installments - TAN 0.000% for 3-month installments, TAN 6.000% for 6-month installments and TAN 9.000% for 9-month installments.

Greater flexibility

Here’s how the Classic card works

Payment date adapted to you
Choose the day to pay for the card, between the 11th and 20th of each month.
30-day payment cycles
Purchase with a credit card and pay in the next billing cycle.
Flexible credit limit
You can apply for a limit change whenever you need it.

Pay at your own pace

Choose how you want to pay

Pay in full Pay everything at once
Pay 100% of the amount in one go and avoid additional interest.
Pay in installments Split a purchase into installments
You can pay in 3 (TAN 0.000%), 6 (TAN 6.000%) or 9x (TAN 9.000%). For GO! card 3 (TAN 0.000%), 6 (TAN 3.000%) or 9x (TAN 6.000%). Cancel this plan at any time.
Pay by percentage Pay 3%, 15%, 25% or 50%, with a minimum of €10
Interest will be calculated on the outstanding amount.
Pay fixed amount Pay a fixed amount every month
Pay a fixed amount, in multiples of €1. Subject to a minimum of 3% of the credit limit or €10.

1, 2, 3 and that's it!

Applying is easy

Log in to the app
On the menu, select Cards > Apply for new card > Credit cards.
Choose your card
Customize it, read and accept the terms and conditions.
Receive it at home
after getting the approval.
Classic card
Your name
What do you need?
To be over 18 years old
Approval of the credit risk analysis
The last 3 payslips and the IRS validation code
Classic card
Your name

want to apply for a Classic card?

Apply for Classic card

Manage your card in the Millennium App

Explore app
phone displaying Millennium App Classic credit card
phone displaying Millennium App with Classic card on top

Legal documents and other information

Standard Information Sheet

Download

General Conditions

Download

Important information

Download

Need help?

We are here for you

Need help?
Here you can find the answer to all your questions
Here you can find the answer to all your questions
Looking for a branch?
Find the nearest branch
Find the nearest branch
Need to call us?
Call whenever you need to
Call whenever you need to
Need help?
Here you can find the answer to all your questions
Here you can find the answer to all your questions
Looking for a branch?
Find the nearest branch
Find the nearest branch
Need to call us?
Call whenever you need to
Call whenever you need to