Representative example for Millennium Visa Gold/Millennium MasterCard Gold credit cards: Annual Percentage Rate (APR) is 23.35%, total loan amount (net of debt-financed costs): PLN 10 000.00 total amount due: PLN 11 355.50; variable interest rate 18,5%; total cost of the loan: PLN 1 355.50 (including: sum of monthly credit card fees PLN 142.89; interest PLN 1 212.61), 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 946.29. The calculation was made as of 05/10/2023 on a representative example.

Participants in the “JESIEŃ Z KARTĄ KREDYTOWĄ VISA” promotion (hereinafter “Promotion”) who from 1 October to 31 December 2023 (“Promotion Period”) satisfy following Promotion conditions, submit in Millenet or the Mobile App operated by Bank Millennium S.A. (hereinafter „Bank”) a credit application (hereinafter “Application”)for a Millennium Visa Impresja or Millennium Visa Gold or Millennium Visa Platinum credit card (“the Card”), agree to receive commercial and marketing information and do not recall these consents/do not object until receipt of the eCard, sign the Card agreement and satisfy the transaction requirement, may get a gift eCard in the Goodie shopping app, worth 300 PLN (hereinafter: “Reward”) to be used on the Allegro.pl website. Receiving the Reward requires satisfaction of the transaction requirement described in “JESIEŃ Z KARTĄ KREDYTOWĄ VISA” Promotion Regulations (Hereinafter “Promotion Regulations”), according to which in each of 3 consecutive calendar months the Participant must make Card transactions in the total amount of at least 800 PLN. During the period of the Promotion a Participant may receive one Reward. Participants who from 1 January 2021 have main credit card of any type in Bank or were party to an agreement on main credit card of any type in Bank, from which agreement they withdrew or which they terminated, are not eligible for the Reward. 20,000 Participants, who are the first during the Promotion Period to submit the Application, shall be eligible for the Reward. 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 December 2023. 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).

Details regarding the functioning and use of eCards are contained in “Regulations on Gift Cards for Customers of Goodie” and in “Regulations on Issuing and Using Goodie Gift Cards - Corporate Banking in Bank Millennium S.A.”, published on out website www.bankmillennium.pl, in our branches and on https://documents.goodie.pl/campaignfiles/goodie_Instrukcja-odbioru-i-aktywacji-eKarty-podarunkowej.pdf.

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

The organiser of the “Moneyback dla kart Impresja” Programme, which is active from 01.07.2023 till 31.12.2023 is Bank Millennium S.A. The Programme is targeted at holders of “Millennium Visa Impresja” and/or “Millennium Mastercard Impresja” cards issued under agreements: concluded till 30.04.2013 or from 11.11.2019, or to which after 28.11.2020 an annex was concluded amending provisions regarding rules on interest rate on the Card Account. Programme rules are contained in the “Moneyback dla kart Impresja” Programme Regulations.

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, Price List - BLIK Mobile Payments, Regulations on Credit Cards Issued by Bank Millennium SA, Regulations on “Moneyback dla kart Impresja” Programme, available in Millennium branches and on www.bankmillennium.pl. Offer details are also available in TeleMillennium by calling 801 331 331 (calls charged at operators’ tariffs).