Representative example for the Millennium Visa Global credit card: Annual Percentage Rate (APR) is 25.82%, total credit amount (net of credited costs): PLN 15,000, total amount due: PLN 17,178.90, variable interest rate 18.5%, total cost of the credit: PLN 2,178.90 (including: sum of monthly fees for credit card service PLN 360.00, interest PLN 1,818.90), assuming that the granted credit limit is paid out immediately in full as a non-cash transaction and is repaid in 12 equal monthly instalments in the amount of PLN 1431.58. The calculation was made as of 21.10.2024 on a representative example.

The Visa Global card is offered together with the free Safe Travel insurance. Insurance cover is provided by Europ Assistance S.A. The condition for receiving this card is to take out the insurance. The Terms and Conditions of Insurance, the Product Card and Information on the processing of personal data by the Controller-Insurer can be found on the Bank’s website.

The Visa Global main card holder has access to the LoungeKey and SmartDelay services for the use of LoungeKey airport lounges. The fees and terms and conditions of use of LoungeKey and SmartDelay can be found on the websites of their service providers: Priority Pass Ltd and Collinson Insurance Services Limited, 3 More London Riverside 5th floor, London, SE1 2AQ. Addresses to the a/m websites can be found on the Bank’s website.

The organiser of the Moneyback for Visa Global card Programme, which is active from 18.10.2024 till 17.10.2025 is Bank Millennium S.A. The Programme is targeted at holders of the Millennium Visa Global main card. The rewards in the Programme are cashback points, which can be exchanged for Polish zloty (PLN). The value of the cashback points awarded is 5% of the value of non-cash transactions made in places marked with codes indicated in the Programme regulations. The maximum total amount of rewards accrued in a given calendar year is 360 cashback points (the equivalent of PLN 360). The programme is created in cooperation with Millennium Goodie Sp. z o.o. In order to participate in the Programme, you must register for the Cashback service and give the consents necessary to use this service. Detailed rules of participation in the Programme are described in the Regulations of the ”Moneyback for Visa Global card” Programme, available in the Bank’s branches and on the www.bankmillennium.pl website.

The Cashback service, available through electronic banking - the mobile app or Millenet, is provided by Millennium Goodie Sp. z o.o in cooperation with Bank Millennium S.A. and involves the refund of part of spending on online purchases in programme partner shops. Details in the “Regulations on Using the goodie.pl Platform by Users”, available on www.bankmillennium.pl.

Fees, interest rate as well as other details are provided in the Price List - Credit Cards, Price List - BLIK Mobile Payments, Regulations on Credit Cards Issued by Bank Millennium SA, available in Millennium branches and on www.bankmillennium.pl. Offer details are also available in TeleMillennium by calling 801 331 331 (calls charged at operators’ tariffs).