Millennium Visa/MasterCard Gold credit card

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

Order Gold credit card in promotion with a limit of min. 5000 PLN (APR 13.42%):

  • apply in Millenet or mobile app till 10 January 2020
  • make non-cash transactions by card for min. 250 PLN in each of the next three months
  • 200 PLN will be transferred to your credit card account (the reward pool is limited)
  • 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 are the benefits you get with Millennium Visa/MasterCard Gold?

  • Free Assistance & Concierge Gold packages - helpful in everyday situations (i.a.: booking tickets, delivering flowers) and providing support in emergencies.
  • Free Travel Insurance package - you do not have to buy insurance before travelling - you have the Millennium Visa/MasterCard Gold card.

Millennium Visa/MasterCard Gold credit card offers:

  • Financial freedom - credit limit up to PLN 50 000.
  • Grace period applies to cash and non-cash transactions up to 51 days.
  • Possibility of spreading into instalments the transactions done with the credit card Easy Payments Programme.
  • 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.
  • Spending control - thanks to MilleSMS messaging, online access to the card account and monthly billing statements.
  • Security of the card is provided by services: Pakiet Bezpieczeństwa including SMS alerts Package on transactions made by card and insurance package: Card protection. Additionally the 3D-Secure service provides the highest available safety level for online card transactions.
  • Fast and convenient contactless payments*.
  • Supplementary cards for family - now give your family the convenience and ease of making daily payments.

* Concerns cards issued from 01.04.2016.

For more information about cards please see the User guide.

Cost of credit

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

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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

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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Control over expenses

Detailed analysis of the structure of expenses on the card by way of Finance Manager service in Millenet available to a person giving the card and card user.

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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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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!

Special offers

  • MasterCard Buy&Smile rebate programme

    We invite holders of selected MasterCard cards from Bank Millennium* to take advantage of the Buy&Smile rebate programme.

    To get up to 55% off the price of goods and services it is sufficient to buy them from programme partners (more than 2000 shops and service providers) paying with an eligible MasterCard card*.

    Additionally by using the Buy&Smile mobile app, you can easily check the availability of rebates in your area by using geolocation. The app for Android and Windows is available now, for IOS will be available soon.

    Detailed information including the Programme Regulations, a list of programme partners and available rebates:

    We wish you shopping with a smile!

    * Following cards are eligible for the rebate programme: Millennium World Debit MasterCard, Millennium MasterCard Impresja, Millennium MasterCard Gold, Millennium MasterCard World Signia/Elite, Millennium MasterCard World Signia/Elite VIP.


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

801 331 331
fixed line calls and mobile


Credit card service
Monthly fee for main card PLN 0* / PLN 12,99
Monthly fee for supplementary card PLN 0* / PLN 6,99
Insurance, service fee**
Monthly fee for Safety Package PLN 3,99
Monthly fee for Travel Insurance package PLN 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 13.42%; total amount of credit (net of debt-financed costs): PLN 10 000; total amount due: PLN 10 784.09; variable interest rate 10%; total cost of credit: PLN 784.09 (including: sum of monthly fees for the credit card PLN 142.89; interest PLN 641.20), 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 898.67. 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. 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 Offer details are also available in TeleMillennium by calling 801 331 331.

In the “Świąteczne zakupy z kartą kredytową Millennium” 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 9 November 2019 to 10 January 2020 (“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 250 in each of three consecutive periods specified in the Promotion Regulations, may get a bonus of PLN 200. 4,000 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 4,000 applications is exhausted, however not longer than until 10 January 2020. 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).

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