Representative example for Millennium Visa Gold/Millennium MasterCard Gold credit cards: Annual Percentage Rate (APR) is 22,10%, total loan amount (net of debt-financed costs): PLN 10,000,00 total amount due: PLN 11 286,98; variable interest rate 17,5%; total cost of the loan: PLN 1 286,98 (including: sum of monthly credit card fees PLN 142,89; interest PLN 1 144,09), 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 940,58. The calculation was made as of 06/05/2022 on a representative example.

Participants in the “Bonus 400 zł z kartą kredytową Mastercard” (PLN 400 bonus with Mastercard credit card) promotion (hereinafter “Promotion”) who from 1 May to 31 August 2022 (“Promotion Period”) submit in Millenet or the Mobile App a contact request or a credit application (hereinafter “Application”) for a Millennium Mastercard Impresja or Millennium Mastercard Gold or Millennium Mastercard WWF credit card (“the Card”), agree to receive commercial information and sign the Card agreement may get a digital code for PLN 400 (hereinafter “Reward”) for use in Allegro.pl The Reward shall be due for period of four months specified in the “Bonus 400 zł z kartą kredytową Mastercard” Promotion Regulations (hereinafter “Promotion Regulations”), in which the Participant makes non-cash transactions with the card (also optionally with use of BLIK Mobile payments linked to the credit card account) in the total amount of at least PLN 400 in each month. During the promotion one Participant may receive a maximum one Rewards. Participants who have our main credit card of any type or who have withdrawn or terminated our main credit card of any type in the period from January 1, 2020 are not eligible for the Prize. 20,000 Participants who are the first during the Promotion Period to submit their Application shall be eligible for the Reward. The Applications, which may qualify for the Reward, may be submitted until the pool of 20,000 Applications is exhausted, however not longer than until 31 August 2022. The Bank will inform promptly that the pool has been exhausted on www.bankmillennium.pl/klienci-indywidualni/karty-platnicze/karty-kredytowe/millennium-impresja. Promotion Regulations are available on www.bankmillennium.pl (Support/Price lists and regulations/Payment cards bookmark).

Every holder of a Card issued during the Promotion Period, will have the card fee waived (monthly fee) in each of 12 consecutive calendar months, in which he made at least one non-cash transaction with the Card counting from the date the Card was issued.

Details regarding the functioning and use of the digital code for Allegro are available on the Allegro.pl website.

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).