Millennium MasterCard Gold

Gain 200 PLN and even a year without a monthly fee for a 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 get with Millennium MatesrCard Gold:

  • Financial freedom - credit limit up to PLN 50 000.
  • Grace period applies to cash and non-cash transactions up to 51 days (APR 13.42%).
  • Fast and convenient contactless payments*,
  • Free Concierge Gold and Assistance 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 MasterCard Gold card.
  • 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 SMS messaging, online access to the card account and monthly billing statements.
  • Supplementary cards for family - now give your family the convenience and ease of making daily payments.

* 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.

Come to Bank Millennium for a charming card!

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 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).

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