About the card
GENERAL INFORMATION
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. With this you do not bear any costs because payments in a shop and online - the non-cash transactions - are fee-free. If you repay all of the 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.
When necessary you can also use the credit card in an ATM for a cash withdrawal. It is then good to remember that ATM cash withdrawals are treated as cash advances and in case of such transactions interest is accrued from the day of the advance.
CREDIT LIMIT
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.
On the last day of 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 56 days!
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.
SUPPLEMENTARY CARDS
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. All transactions done with the supplementary card and accounted are recorded on the account of your main card in the Pay and Win programme.
INSURANCE
The holder of the supplementary card will have the possibility of using Safe Card and Travel Insurance packages.
Remember that your supplementary card Travel Insurance cover starts when Holder of the supplementary card makes the first card payment abroad!
ASSISTANCE AND CONCIERGE
Holders of Visa or MasterCard credit cards may use Assistance Gold or Concierge Gold packages, which ensure support in unforeseen circumstances as well as help in everyday situations (i.a. booking tickets, delivering flowers).
FEES
You will find the annual fees for subsequent years for the supplementary card in the credit cards price list. The card fee may be refunded:
- In an ongoing activation promotion campaign*,
- On the basis of the investment amount held with the Bank (applies only to Platinum credit cards).
Remember! The Pay and Win programme applies to your main card only. Transactions done with the supplementary card are recorded on the main card account (supplementary cards are not covered by the Programme).
* details of current activation promotion campaigns are available in the credit cards price list.
HOW TO RESTRICT
CREDIT AND DEBIT CARD
IN THE BANK
In case of card loss or theft you must immediately block it. Just call the special phone numer dedicated for blocking all the credit cards of Bank Millennium:
+48 22 598 41 14 (available 7/24)
or call TeleMillennium: 801 331 331
(for mobile or international calls: +48 22 598 40 40)
You can always block the card at any time when e.g. when you fear that someone may use it without your knowing it.
Card theft should be reported promptly to the local Police and a copy of the report delivered to a branch of Bank Millennium in order to get a compensation.
You can also call the nearest bank bearing the logo of the appropriate card organisation to block the card.
Remember!
- Quick block of the card will prevent losses, which may be caused by its use by unauthorised persons.
- Write down the card number in the Card Cancellation Manual - it will be helpful when cancelling the card.
- The Manual and the card should be kept separately. Thus in case of card loss you will be able to have it cancelled immediately.
- For your own safety do not keep the card together with the PIN number and do not write the PIN number on the card to prevent unauthorised use.
- You can change the PIN number in any Millennium or Euronet ATM.
- You can get unauthorised card use insurance. Thanks to this you have a guarantee of coverage of a loss up to EUR 150 if an unauthorised person debits your card account within 72 hours prior to its cancellation. Card account debits in excess of EUR 150 made before card cancellation are covered by the Bank (under the Electronic Payment Instruments Act), which also assumes full liability for transactions done after the card was cancelled.
IN VISA
Aditionally the Visa cards holders may block their cards calling free of charge Visa Customer Service Offices:
Australia 1-800-12-5440
Canada 1-800-847-2911
China 10-800-110-2911
Denmark: 80-018588
France 0-800-90-1179
Germany 0800-811-8440
Greece 00-800-11-638-0304
Hungary 06-800-11272
Italy 800-819-014
Netherlands 0800-022-3110
Portugal 0800-8-11-824
Spain 900-99-1124
Sweden 020-79-5675
Switzerland 0800-89-4732
United Kingdom 0800-89-1725
USA: 1-800-847-2911
If you are in a country not listed above or are having trouble call: +1 410-581-3836 or the Visa Global Assistance Centre in USA: +1 410 581 9994 (the call is in English and is charged for).
IN MASTERCARD
Aditionally the MasterCard cards holders may block their cards calling free of charge MasterCard Global Service Centre:
Poland - 0 0800 111 1211 (also emergency card replacement and emergency cash advance)
France - 0 800 90 1387
Spain - 900 97 1231
Germany - 0 800 819 1040
Portugal - 800 8 11 272
United Kingdom - 0 800 96 4767
Italy - 800 870 866
USA: +1 636 722 7111