How to use
HOW TO ACTIVATE
CREDIT AND DEBIT CARD
TELEPHONE
If the card agreement or an agreement on another Bank Millennium product gives you access to Electronic Banking Channels:
Call TeleMillennium 801 331 331 and select:
- 3 - For English press 3 (you will be asked to state your Millekod and P@ssword1)
- 5 - Your Cards
- Choose card
- 5 - Card activation
If you do not have access to Electronic Banking Channels yet:
Call TeleMillennium 801 331 331 and select:
- 3 - For English press 3
- 1 - Cards cancelling and activation
- Activate the card during the call
INTERNET
Log on to Millenet, select "Cards" from the vertical menu and then "Activation ".
ATM
Make any, available for your card operation in ATM using the PIN number.
POS
Make a POS transaction using the PIN number.
FUNCTIONS
CREDIT CARD
A credit card is an advanced and very handy instrument for making daily payments and managing the household budget. It has two main functions:
- with a credit card you can pay without cash for shopping and services
- with a credit card you can pay without cash for shopping and services and finance these payments - repaying them at dates of your choice
HOW TO USE ONLY THE PAYMENT FUNCTION OF A CREDIT CARD, NOT DRAWING CARD CREDIT
Pay with the card for shopping and services and repay all of the debt by the date stated on the billing statement.
A credit card involves an interest-free period i.e. a period, during which you use the Bank's money and the Bank charges no interest for this. In case of Bank Millennium this period is up to 56 days.
If you make a transaction on the first day of the month and repay this transaction entirely by the date stated on the billing statement, then your interest-free period will last up to 56 days (depending on the number of days of the month, in which you do the transaction).
If you make the transaction on the last day of the month your interest-free period will last 25 days.
HOW TO PAY WITH THE CARD AND FINANCE THE SPENDING
Pay with the card for shopping and services and by the deadline stated on the billing statement repay any part of the debt, however not less than 5%. The minimum monthly payment amount is always stated on the billing statement and includes 5% of your transactions, interest as well as all fees that may be due.
DEBIT CARD
The debit card is a key to the account where you keep your money.
It has two main functions:
- non-cash payments in shops and other retail and service outlets
- cash withdrawals from ATMs
TRANSACTIONS
CREDIT CARD
The transactions you make with the card are divided in Bank Millennium into three basic types.
NON-CASH TRANSACTIONS
- payments in a shop or other merchant,
- online payments,
- mobile phone top-up.
Important information:
The Customer is not charged for the non-cash transactions.
Making such a transaction in the first 3 months from issuing the card causes waiver of the annual fee in the first year.
The annual card fee in following years will not be charged if the sum of turnover (non-cash and cash transactions) reaching the amount specified in the Price List - in the "Pay and Win" programme.
In order to verify the currency exchange rate at which foreign transactions were converted you can use the calculators provided by the payment organizations:
CASH TRANSACTIONS
- ATM cash advance,
- Card transfer.
Important information:
In case of cash transactions no interest-free period applies. Even in case of repayment of 100% of debt on the date mentioned in the billing statement, the Bank shall accrue interest from the day of making such transaction. Additionally in case of an ATM withdrawal, a fee is charged as per the credit cards price list.
The annual card fee in subsequent years is not charged when the sum of turnover (non-cash and cash transactions) is in an amount mentioned in the Price List - in the "Pay and Win" Programme.
REPAYMENT OF DEBT IN ANOTHER BANK
- transfer from a card in Bank Millennium to repay card debt in another bank.
Important information:
The interest rate on debt payment in Bank Millennium is extremely attractive during the entire repayment period - see the credit cards price list!
The debt repayment transaction involves a fee as per the credit cards price list, and making it does not waive the annual fee in the first year and in subsequent years.
PAY AND WIN
CREDIT CARD
If you use your card actively, next year you will not pay the annual fee for service of main card or you will pay only a part of it!
Your fee is subjected to sum of transactions value made and accounted with card during one year of its usage. Both cash and non-cash transactions are included in sum of transactions value. Debt repayment transactions are excluded.
| Card type | Annual Fee waived | Annual Fee discount | ||
|---|---|---|---|---|
Sum of | Fee for card | Sum of | Fee for card servicing in next year | |
| Millennium Visa Impresja Millennium MasterCard Impresja Millennium Visa Millennium MasterCard Millennium American Express Piotr i Paweł Millennium MasterCard Generali Millennium Visa | PLN 12 000 | PLN 0 | PLN 8 000 | PLN 40 |
| WWF Millennium MasterCard | PLN 12 000 | PLN 0 | PLN 8 000 | PLN 30 |
| Millennium Visa Gold Millennium MasterCard Gold Millennium American Express Gold | PLN 30 000 | PLN 0 | PLN 20 000 | PLN 100 |
| Millennium Visa Platinum | PLN 60 000 | PLN 0 | PLN 40 000 | PLN 250 |
PIN NUMBER
CREDIT AND DEBIT CARD
HOW TO SET UP OR CHANGE THE PIN NUMBER
If you know your PIN number, you can change it in a Millennium ATM.
If you do not know your PIN number but have Millekod and P@ssword 1, you can set up the PIN number:
- by calling TeleMillennium (801 331 331 or +48 22 598 40 40) and selecting: 3 - For English press 3 > 2 - Customer service zone > enter Millekod > enter P@ssword 1 > 4 - Your cards > Choose card > 4 - change or define PIN number
- logging on to www.bankmillennium.pl using Millekod, P@ssword 1 and digits/characters randomly selected by the system from your ID (personal identity card or passport) or PESEL number > selecting the bookmark "Cards" > open the bookmark "Change PIN" > check the card > enter new PIN > confirm the operation with SMS P@ssword sent to your mobile phone
If you do not know your PIN number and have no Millekod and P@ssword 1, visit the nearest Millennium branch to activate access to Electronic Banking Channels.
NOTE: If you have no Millekod and P@ssword 1 and your only product is a supplementary credit card, contact the holder of the main credit card to change or set up the PIN number.
You will receive a PIN number after signing of the credit or debit card agreement. Remember that it is for your eyes only, do not disclose it to anyone.
Most transactions with a Bank Millennium credit or debit card with a magnetic stripe are confirmed with a signature, while transactions done with a chip card are usually confirmed with the PIN number.