Bezpieczna Karta for credit cards

About the insurance

"Bezpieczna Karta" is an insurance package added for your security automatically to each credit card. The package dedicated to all the credit cards, except for Generali Millennium VISA card, includes the following:

  • Unauthorised card use insurance

    If you lose your card or your card is stolen in Poland or abroad, then thanks to the insurance – should your card's account be debited by an unauthorised person within 72 hours before your card cancellation, you have a guaranteed coverage of loss up to 150 EUR. Account debits above 150 EUR made before card cancellation are covered by the Bank (by the virtue of the Act on Payment services"), which also assumes the entire liability for the transactions performed after card cancellation. Furthermore, you will get a refund of the costs related to issuance of payment cards and documents as well as purchase of a new wallet up to 300 PLN.


  • ATM cash withdrawal insurance against robbery

    Thanks to the insurance, if the cash withdrawn from an ATM is stolen, within 12 hours, in Poland or abroad, the Insurer covers the loss of the cash up to 1000 PLN (for Millennium Visa, Millennium American Express, Millennium MasterCard cards), 2000 PLN (for Millennium Visa Gold, Millennium American Express Gold, Millennium MasterCard Gold cards) or 5000 PLN (for Millennium Visa Platinum cards). Furthermore, you will get a refund of the costs related to issuance of payment cards and documents as well as purchase of a new wallet up to 300 PLN.


  • Purchase insurance

    If you pay for the product you selected with your card in Poland or abroad, it will be covered by insurance against theft/loss or damage until the 60th day from the day of purchase up to 1000 PLN (for Millennium Visa, Millennium American Express, Millennium MasterCard cards) or 2000 PLN (for Millennium Visa Gold, Millennium American Express Gold, Millennium MasterCard Gold, Millennium Visa Platinum cards).


  • Lowest price guarantee insurance

    The product for which you will pay with your card in Poland will be covered by insurance that will guarantee its lowest price. If in the period of 60 days from the purchase you find a printed announcement (in the press, shop advertisement or a catalogue) advertising an identical product at a lower price, the Insurer will cover the difference up to 500 PLN (for Millennium Visa, Millennium American Express, Millennium MasterCard cards) or 1000 PLN (for Millennium Visa Gold, Millennium American Express Gold, Millennium MasterCard Gold, Millennium Visa Platinum cards).


The insurance package is provided by PZU SA and starts upon card activation. The insurance is free of charge from the moment when your card is issued until the end of full calendar month, following the month in which the card was issued. In the next months the fee of 3,99 PLN is collected by the Bank from your card account.

Additional products

Credit card

Provides financial freedom and many practical privileges. When using the card to pay, you can use interest-free credit for up to 51 days.

Pewna Spłata

Secure yourself and your family against the need to repay your credit card in case of unfortunate events.

Foreign travel insurance

Feel more secure during your foreign travel lasting even up to 62 days.

How to get

Online Application

If you are interested in the insurance

TeleMillennium

Call us

801 331 331
In our branches
Choose the nearest branch