Representative example for Millennium Visa Gold/Millennium MasterCard Gold credit card: Annual Percentage Rate (APR) is 10.39%, total loan amount (net of debt-financed costs): PLN 10 000,00, total amount due: PLN 10,601.25, variable interest rate 7.2%; total cost of the loan: PLN 601.25 (including: sum of monthly credit card fees PLN 142.89, interest PLN 458.36), with the assumption that the approved credit limit is used up outright in the full amount as a cashless transaction and is repaid in 12 equal monthly instalments of PLN 883.43. The calculation was made as of 04.01.2021 on a representative example.

Participants in “Udane zakupy z kartą kredytową Millennium” promotion (hereinafter: “Promotion”) who from 1 Februray 2020 to 31 March 2021 (“Promotion Period”) submit in Millenet or the Mobile App a contact request or a credit application for a Millennium Mastercard Impresja or or Millennium Mastercard Gold credit card, agrees to receive commercial informations, sign the Card agreement with a minimum credit limit of PLN 3000 (Millennium Mastercard Impresja) or PLN 5000 (Millennium Mastercard Gold) can get Allegro vouchers, 50PLN each ("the Reward"). The Reward is granted for each of the six months specified in the Promotion Regulations, in which the Participant performs non-cash transactions with the card (including optionally also using the BLIK service) for a total amount of at least PLN 350. During the promotion, one Participant may receive a maximum of six Rewards. Participants who in the period from 1 January 2019 had or have any main credit card of the Bank, or had their instruction concerning resignation from any main credit card of the Bank in processing at the Bank shall be not eligible for the Reward. 10,000 Participants, who are the first during the Promotion Period to apply for contact or the Card, shall be eligible for the Reward. Card applications, which may qualify for the Reward, may be submitted until the pool of 10,000 applications is exhausted, however not longer than until 31 March 2021. The Bank will inform promptly that the pool has been exhausted at https://www.bankmillennium.pl/klienci-indywidualni/karty-platnicze/karty-kredytowe/millennium-visa-mastercard-gold. Promotion Regulations are available at www.bankmillennium.pl (Support/Price Lists and Regulations/Payment Cards bookmark). The principles for using the gift card are defined in Regulamin Kart Podarunkowych Allegro (Allegro Gift Card Regulations) available at allegro.pl.

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

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 and charges, interest rate and other details are contained in the Regulations on Credit Cards Issued by Bank Millennium S.A., Price List – credit cards – available in the Bank branches and at www.bankmillennium.pl. Offer details are also available in TeleMillennium at 801 331 331 (calls charged at rates set by your service provider).