Credit Card

Millennium credit cards are an advanced, convenient and secure way to pay.

You will pay with them for shopping and services in Poland and abroad. The number of outlets accepting cards in Poland and worldwide continues to grow. All payments: in stores and online, as well as ATM withdrawals or transfers of credit card will be included in grace period up to 51 days*. Interest-free period for both cash transactions, and cashless transactions, is a unique offer of Bank Millennium. If you repay the entire debt, by the date stated on the billing statement - you will also pay no interest.

A credit card will also come in handy when you need to go into debt. In this way you can make the necessary purchase immediately, paying for it later, when you decide. You must only remember to pay the minimum of 5% of the debt amount every month and to pay the fees.

Offer details, including the rules for using a credit card as well as information about payments, are stipulated in the Regulations for Credit Cards Issued by Bank Millennium SA, as well as the Price List – Credit Cards, available here and in the Bank's branches.

* Private Banking: Grace period applies to cash and cashless transactions up to 56 days only.

Credit card

Paying with a credit card you are using the Bank's money. Together with the card you get a credit limit. The limit is the maximum amount you can spend with the card, inclusive of all transactions and any fees as well as potential interest.

Each month the Bank will generate a billing statement - a listing of all transactions done and cleared in the month. In this way you will know how much you have spent and by when it should be repaid. You can get the statement in paper for (remember to update your mailing address in the Bank's system!) or in the "green" electronic version - via Millenet.

You can repay all or part of the spent money; the minimum payment is 5%. If you repay the entire debt, you will enjoy interest-free credit for up to 51 days (APR 18,91%)**!

Repaying the arisen debt you renew your credit limit.

It is most convenient to repay the utilised money from your personal account in Millennium (automatic card repayment). You can also make a transfer from another bank or pay-in cash to the card account in any Millennium branch.

** Cost of credit

Representative example for Millennium Visa/Mastercard Impresja:

Annual Percentage Rate (APR) is 12,01%, total loan amount (net of debt-financed costs): PLN 4,000,00, total amount due: PLN 4 271.23; variable interest rate 7,2%; total cost of the loan: PLN 271.23 (including: sum of monthly credit card fees PLN 87.89; interest PLN 183.34), with the assumption that the approved credit limit is used-up outright in the full amount as a non-cash transaction and is repaid in 12 equal monthly instalments of PLN 355.93. The calculation was made as of 04.01.2021 on a representative example.

Program "Moneyback for Impresja cards" ongoing 1.01.2021-31.12.2021 is organised by Bank Millennium S.A.. Program is aimed at Millennium Visa Impresja and/or Millennium Mastercard Impresja cardolders, basing on contracts signed till 30.04.2013 or after 11.11.2019, which were annexed after 28.11.2020. All terms and conditions are described in Regulation on Moneback Program "Moneyback for Impresja cards". Moneyback of 5% is applicable for transactions concerning brick and mortar stores of: Empik, Sony Center, Smyk, Cinema City box office. It does not involve Weekend Max Mara. Whereas for InterCars program includes only online shoppinng on www.intercars.pl.

Before granting a credit card the Bank evaluates the Applicant’s credit capacity and worthiness on a case-by-case basis; in justified cases it may refuse to grant the card. Fees, interest rate as well as other details are provided in the Price List - Credit Cards, “Regulations on Credit Cards Issued by Bank Millennium SA, Regulations on Moneyback conditions "Moneyback for Impresja cards" – available in Millennium branches and on www.bankmillennium.pl. Offer details are also available in TeleMillennium by calling 801 331 331. ((the cost of a call according to the agreement with the telecommunications operator)

Supplementary credit card

A supplementary card is issued upon request of the holder of the main card and it is available to persons aged over 13.

Transactions done with the supplementary card debit the main card account and the supplementary cardholder will use the main card limit. As holder of the main card you will decide about the amount of daily limits for non-cash and cash transactions on the supplementary card.

Services

The holder of the supplementary card will have the possibility of using Pakiet Bezpieczeństwa service consisting of: SMS alerts Package on transactions made by card and “Ochrona Karty” (Card Protection) insurance pack.

Holders of supplementary credit cards: Millennium Alfa, Millennium Impresja, all gold credit cards and Millennium Visa Platinum may use Assistance or Concierge packages, which ensure support in unforeseen circumstances as well as help in everyday situations (i.a. booking tickets, delivering flowers). Additionally holders of gold and platinum Millennium credit cards will have the possibility of using Travel Insurance packages. Remember that your supplementary card Travel Insurance cover starts when holder of the supplementary card makes the first card payment abroad!