Visa/Mastercard Gold credit card (APR 21.69%) with a free Travel Insurance package
More information about the product can be found in the user guide and in the credit costs.
Use your credit card to pay for everyday purchases. It is also perfect for abroad - thanks to the currency limit.
It's a comfortable way of paying without a wallet. Activate your virtual card free of charge and pay conveniently by phone.
You have access to world currencies at favourable Visa or Mastercard rates - up to PLN 5,000/month without an additional exchange margin. When you use up the limit, the bank's additional margin will be 2%.
Comfortable shopping in stores or online stores and payments under the card limit.
The Easy Instalments Programme allows a repayment of spending done with the credit card in equal instalments with an attractive interest rate.
Guarantee of the highest level of safety of Internet transactions provided by free 3D-Secure service.
Control over expenses based on self-established daily limits. At any time, you may also check your account balance.
Paying with a Millennium cards in stores as well as various service outlets you can enjoy attractive rebates. Currently there are close to 1000 merchants who will give you the rebate!
Millenet is an online banking system providing security and full 7/24 online control over your finances and additional services.
The mobile app allows you to use the account on your phone, wherever you are. You can make transfers, pay in stores, withdraw cash from ATMs and much more.
Bank Millennium provides over 600 branches throughout Poland and multifunctional Bank Millennium ATMs.
Fixed line calls and mobile
If you have been transferring your salary to an account in Bank Millennium for at least 3 months, all formalities will be limited to a minimum. The key document, which is required each time is an ID card. There is a list of documents below confirming income depending on its source.
One of the options below:
If you are not our Client, contact us.
If you are our Client, apply in Millenet or in the Mobile App.
Lost or stolen card should be restricted immediately. Call one of the special numbers:
TeleMillennium phone number for fixed line callers and mobile callers
TeleMillennium phone number for mobile or international callers
A card can be also restricted in Millenet and mobile app.
how to restrict card Find out moreCredit cost and legal note
Representative example for Millennium Visa Gold/Millennium Mastercard Gold credit cards: Annual Percentage Rate (APR) is 21.69%, total loan amount (net of debt-financed costs): PLN 10 000.00 total amount due: PLN 11 252.82; variable interest rate 17.00%; total cost of the loan: PLN 1 252.82 (including: sum of monthly credit card fees PLN 142.89; interest PLN 1 109.93), 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 937.74. The calculation was made as of 03/07/2025 on a representative example.
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 Regulations on Credit Cards Issued by Bank Millennium SA, Price List - Credit Cards - available in the Bank’s branches and on www.bankmillennium.pl. Offer details are also available in TeleMillennium at 801 331 331 (calls charged at operator’s tariffs).
