Millennium Alfa credit card

Gain 200 PLN and even a year without a monthly fee for a credit card

Order Alfa credit card in promotion with a limit of min. 3000 PLN (APR 14.55%):

  • 1 apply in Millenet or mobile app till 8 November 2019
  • 2 make non-cash transactions by card for min. 200 PLN in each of the next three months (until the end of December, January and February)
  • 3 200 PLN will be transferred to your credit card account (the reward pool is limited)
  • 4 don't pay monthly fee for the card for a year - make at least 1 payment a month
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About the card

What you get with Millennium Alfa card?

5% cash back on shopping in our Partners' stores - up to PLN 760 per year, irrespective of other special offers and rebates. More

0% Easy Instalments (APR 7,87%) - you can pay off your card later by dividing selected transactions or used limit into interest-free monthly instalments. More

Assistance Alfa Package - you no longer need to worry about car breakdown, flat tyre or household appliances failure. Make one call and we'll take care of everything. More

Cost of credit

Refund of 5%

Save up to PLN 760 per year guaranteed thanks to payments with the Alfa credit card in Partner shops:


  • The programme may be combined with other promotions and special offers,
  • No need to remind of the 5% refund on spend in a shop – the Bank will automatically accrue it on the card account.

The refund – Moneyback 5% of the value of transactions made with the card at our Partners is booked on the card account at the start of the next month.

The refund – Moneyback 5%: Inter Cars - applies to purchases online at; Empik - applies to purchases in stationary stores, Cinema City – does not apply to online shopping.

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!

Discover benefits the credit card has to offer


Complete safety

Attractive Pakiet Bezpieczeństwa consisting of SMS Notifications service on transactions made by card and “Ochrona Karty” (Card Protection) insurance pack.

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Contactless payments

Fast and convenient method of payment.

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Convenience of payment

Comfortable shopping in stores and on the Internet, freedom of the use of ATMs and payments under the card limit.

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Easy Payments Programme (APR 12.58%)

The Easy Payments Credit Programme permits repayment of spending done with the credit card in equal instalments with an attractive interest rate.

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Guarantee of the highest level of safety of Internet transactions provided by free 3D- Secure service.

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Convenience and comfort

Control over expenses in shops based on self-established daily limits. At any time, you may also check your account balance.

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Credit card service
Monthly fee for main card PLN 0* / PLN 7,99
Monthly fee for supplementary card PLN 0* / PLN 2,99
Insurance, service fee**
Monthly fee for Safetypackage PLN 3,99
Monthly fee for Assistance package PLN 4,99

* 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 Alfa:

Annual Percentage Rate (APR) is 14.55%; total amount of credit (net of debt-financed costs): PLN 4 500; total amount due: PLN 4 876,43; variable interest rate 10%; total cost of credit: PLN 376,43 (including: sum of monthly fees for the credit card PLN 87.89; interest PLN 288,54), 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 406,36. The calculation was made as of 7.06.2019 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. The card offers optional, paid insurance "Assistance Alfa Package". Fees, interest rate and other details are contained in the Price List – Credit Cards, Regulations on Credit Cards Issued by Bank Millennium SA, Terms and conditions of Moneyback sales bonus for purchases with Millennium Visa Alfa credit card , terms of insurance "Assistance Alfa Package", Product Sheet - Alfa Assistance Package – available in the Bank’s branches and on Offer details are also available in TeleMillennium by calling 801 331 331.

In the “Październik z kartą kredytową” promotion a holder of the Millennium Visa Impresja, Millennium MasterCard Impresja, Millennium Visa Alfa, Millennium Visa Gold and Millennium MasterCard Gold (“the Card”), who applied for the Card on 8 October 2019 to 8 November 2019 (“promotion period”), will have the monthly card fee waived in each of 12 subsequent calendar months, in which the holder made at least one non-cash transaction with it, counting from the date of issuing the Card.

Additionally Promotion Participants who apply for the Card during the Promotion Period in Millenet or the Mobile App, sign the Card agreement with the credit limit specified in Promotion Regulations and use it to make non-cash transactions (including BLIK) in the total amount of at least PLN 200 in each of three consecutive periods specified in the Promotion Regulations, may get a bonus of PLN 200. 2,000 Users, who are the first during the Promotion to apply for the Card, shall be eligible for the bonus. Card applications, which may qualify for the Bonus, may be submitted until the pool of 2,000 applications is exhausted, however not longer than until 8 November 2019. The Bank will inform promptly that the pool has been exhausted on and on product pages of the cards taking part in the Promotion (,,,, Promotion Regulations are available on (Support/Price lists and regulations/Payment cards bookmark).


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

801 331 331
fixed line calls and mobile

Required documents

The requirements for documenting income are very simple

  • If you have been transferring your salary to an account in Bank Millennium since at least 3 months, all formalities will be limited to a minimum
  • The key document, which is required at all times is a Personal Identity Card

Above is a list of documents, confirming income depending on its source.

  • Employment or management contract / Contract to perform a specific task / Contract of mandate

    One option from:

    • Confirmation from Employer of income and employment in last 3 months
    • PIT for last year
    • proof of income

  • Business activity

    Documents required depending on the form of settlement:

    • annual tax return and a certificate from the Tax Office or a certificate from the ZUS/KRUS
    • book revenues and expenditures

  • Retirement pension

    One option from:

    • last decision on awarding the benefit
    • last pension slip
    • last decision on indexation
    • statement from bank account, confirming inflow of pension for the last month

  • Disability pension

    One option from:

    • last decision on awarding the benefit
    • last decision on indexation
    • last pension slip
    • statement from bank account, confirming inflow of pension for the last month

  • Pre-retirement benefit

    One option from:

    • decision of Labour Office/ZUS to grant the benefit
    • last decision of Labour Office/ZUS on indexation of the benefit
    • last pension slip
    • statement from bank account, confirming inflow of retirement/disability pension for the last month

How to get

Online Application

If you are not our customer
Contact with Advisor
If you are our customer
Apply in Millenet


Call us

801 331 331
In our branches
Choose 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)
801 331 331 - TeleMillennium fixed line calls and mobile
+48 22 598 40 40 - TeleMillennium  mobile and international calls