Representative example for Millennium Visa Gold/Millennium MasterCard Gold credit cards: Annual Percentage Rate (APR) is 10.33%, 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 non-cash transaction and is repaid in 12 equal monthly instalments of PLN 883.43. The calculation was made as of 29.05.2020 on a representative example.

Participants in the “Odbierz kartę Goodie” (Get your Goodie card) promotion (hereinafter “Promotion”) who from 17 June to 31 July 2020 (“Promotion Period”) submit in Millenet or the Mobile App a contact request or a credit application for a Millennium Visa Impresja or Millennium Visa Alfa or Millennium Visa Gold credit card, sign the Card agreement with a minimum credit limit of PLN 3000 (Millennium Visa Impresja, Millenium Visa Alfa) or PLN 5000 (Millennium Visa Gold) and use it to make non-cash transactions (including optionally by BLIK) in the total amount of at least PLN 200 in each of three consecutive months specified in the “Odbierz kartę Goodie” Promotion Regulations, may get a digital code for a gift eCard in the Goodie app, worth PLN 300 (hereinafter “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 July 2020. The Bank will inform promptly that the pool has been exhausted on https://www.bankmillennium.pl/klienci-indywidualni/karty-platnicze/karty-kredytowe/millennium-visa-mastercard-gold. Promotion Regulations are available on www.bankmillennium.pl (Support/Price lists and regulations/Payment cards bookmark). Using the codes is described in detail in “Gift Card Regulations for goodie Customers” available on https://documents.goodie.pl/campaignfiles/RegulaminGGC.pdf

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 non-cash 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, 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 Millennium branches and on www.bankmillennium.pl. Offer details are also available in TeleMillennium by calling 801 331 331.