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Payments abroad

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  • Pay in foreign currencies without limitations
  • 0% bank margin on currency exchange
  • Currency exchange at favourable Visa rates

Insurance

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  • Free Safe Travel Insurance included with the card
  • It protects you and your family while traveling abroad
  • The insurance starts the day after your first payment with this card, which charges your card account
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Moneyback

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  • Refunds on purchases and selected services, such as car rentals, tolls, and airline tickets
  • You can get back 5% of the amount spent, up to a maximum of 360 PLN per year
  • A refund for an airline ticket can only be made if the ticket has been purchased directly from the airline company

Airport lounges

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  • You can access over 1500 airport lounges worldwide through the LoungeKey program
  • If your flight is delayed by at least one hour, access to the lounges is free with the SmartDelay service
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Credit cost and legal note

Representative example for Millennium Visa Global: Annual Percentage Rate (APR) is 19.85%; total amount of credit (net of debt-financed costs): PLN 19 500; total amount due: PLN 21 729.88; variable interest rate 15.00%; total cost of credit: PLN 2 229.88 (including: sum of monthly fees for the credit card PLN 330.00; interest PLN 1 899.88), 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 1 810.82. The calculation was made as of 04/12/2025 on a representative example.

The Visa Global card is offered together with the free Safe Travel insurance. Insurance coverage is offered by Europ Assistance S.A. The condition for receiving this card is joining the insurance. General Safe Travel Insurance Terms and Conditions, Product Card and Information on processing personal data by Administrator - the Insurer, can be found on the Bank’s website.

The Visa Global Main Card holder has access to the LoungeKey and SmartDelay services for the use of LoungeKey airport lounges. The fees and terms and conditions of use of the LoungeKey and SmartDelay services can be found on the websites of the providers of these services, Priority Pass Ltd and Collinson Insurance Services Limited, located in the United Kingdom, 3 More London Riverside 5th floor, London, SE1 2AQ. The addresses to the above-mentioned websites are available on the Bank’s website.

The Moneyback Programme for Visa Global card is organised to 30.06.2026 by Bank Millennium S.A. The programme is addressed to holders of the Millennium Visa Global main card. The rewards in the Programme are cashback points, which can be exchanged for Polish zloty (PLN). The value of the cashback points awarded is 5% of the value of non-cash transactions made in places marked with codes indicated in the Programme regulations. The maximum total amount of rewards accrued in a given calendar year is 360 cashback points (the equivalent of 360 PLN). To participate in the Moneyback Programme, you must register for the Zwroty za zakupy Cashback Programme. The organizer of the Zwroty za zakupy Cashback Programme is also Bank Millennium S.A. This programme is available in the Bank’s mobile application and it consists in refunding part of the expenses for purchases in partner stores after taking advantage of the offers prepared for you by the Bank. Detailed rules for participation in the Moneyback Programme and the Zwroty za zakupy Cashback Programme are described in the Moneyback dla karty Visa Global Programme Regulations and the Zwroty za zakupy Cashback Programme Regulations, available at the Bank’s branches and at www.bankmillennium.pl.

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, 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).