Representative example for Millennium Visa Gold/Millennium MasterCard Gold credit cards: Annual Percentage Rate (APR) is 11.23%, total loan amount (net of debt-financed costs): PLN 10,000,00, total amount due: PLN 10 653.25; variable interest rate 8%; total cost of the loan: PLN 653.25 (including: sum of monthly credit card fees PLN 142.89; interest PLN 510.36), 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 887.77. The calculation was made as of 7.10.2021 on a representative example.

Participants in “Jesień z kartą kredytową Mastercard” (autumn with Mastercard credit card) promotion (hereinafter “Promotion”) who from 1 October 2021 to 9 January 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 credit card (“the Card”), agree to receive commercial information and sign the Card agreement may get a digital code worth PLN 150 (hereinafter “Reward”) for use in Biedronka shops. The Reward shall be due for each three months specified in the Promotion Regulations “Jesień z kartą kredytową Mastercard” (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 amount of at least PLN 350 in every month. During the promotion one Participant may receive a maximum of two Rewards. Participants who during the period from 1 January 2020 had or have any main credit card of the Bank, or were pending processing in the Bank of instructions regarding resignation from any main credit card, shall not be eligible for the Reward. 20,000 Participants, who are the first during the Promotion Period to apply for contact or the Card, 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 9 January 2022. 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).

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, Price List - BLIK Mobile Payments - 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).