About the card

What are the benefits you get with Millennium Visa Gold card:

  • Financial freedom - credit limit up to PLN 50 000.
  • Grace period applies to cash and non-cash transactions up to 51 days (APR 12.31%).
  • Fast and convenient contactless payments*,
  • Spending control - thanks to SMS messaging, online access to the card account and monthly billing statements.
  • Free Travel Insurance package - you do not have to buy insurance before travelling - you have the Millennium Visa Gold card.
  • Free Concierge Gold and Assistance Gold packages - helpful in everyday situations (i.a.: booking tickets, delivering flowers) and providing support in emergencies.
  • Attractive rebates in the "Inspirations" benefits programme, available from close to 1000 merchants in Poland. They include: fashion shops, restaurants, hotels and health and beauty care centres.

* Concerns cards issued from 01.04.2016.

Millennium card offers the highest available safety level for online card transactions - thanks to the 3D-Secure service:

  • safety - identification of card user is based on submitted credit card data and by one-time SMSP@ssword send on Your mobile phone,
  • no fees - Bank does not charge any fees for using 3D-Secure service, all delivered SMS messages are free of charge,
  • comfort - payment form is automatically filled with data submitted earlier. You just need to input the 6-digit password from SMS message and the transaction will be done fast and safe.

For more information about cards please see the User guide.

Cost of credit

Inspirations programme

Paying with a Millennium cards in stores as well as various service outlets you can enjoy attractive rebates. Currently there are close to 1 000 merchants who will give you the rebate!

Prestige Line

Our Consultants will provide 7/24 detailed information and will carry out your instructions.

801 12 7000
fixed line calls and mobile


Credit card service
Monthly fee for main cardPLN 0* / PLN 12,99
Monthly fee for supplementary cardPLN 0* / PLN 6,99
Insurance, service fee**
Monthly fee for Safety PackagePLN 3,99
Monthly fee for Travel Insurance packagePLN 0

* The first monthly fee shall be charged for the second full month from issuing the card. Subsequent monthly fees shall be charged in arrears – for the previous month. The fee will not be charged if in the previous month 5 non-cash transactions were done on given card.

** Insurances, services are not mandatory.

Credit cost and legal note

Representative example for Millennium Visa Gold/Millennium MasterCard Gold:

Annual Percentage Rate (APR) is 12.31%; total amount of credit (net of debt-financed costs): PLN 10 000; total amount due: PLN 10 718,49; variable interest rate 9%; total cost of credit: PLN 718,49 (including: sum of monthly fees for the credit card PLN 142.89; interest PLN 575,60), assuming that the granted credit limit is disbursed outright in the full amount as a non-cash transaction and is repaid in 12 equal monthly instalments of PLN 893,20. The calculation was made as of 18.03.2020 on a representative example.

The Bank evaluates the applicant’s credit capacity on a case-by-case basis each time prior to granting a credit card; if requirements regarding credit capacity are not met the Bank will not sign a credit card agreement. Fees, interest rate and other details are contained 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 by calling 801 331 331.

How to get

Online Application

If you are not our customer

Contact with Advisor

If you are our customer

In our branches

Find the nearest branch

How to restrict

Just call one of the special phone numbers below:

(+48) 22 598 41 14 - blocking all the cards of Bank Millennium (available 7/24)
801 12 7000 - Prestige Line for fixed line calls and mobile
(+48) 22 598 41 33  - Prestige Line for mobile and international calls