Millennium MasterCard Gold

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 16.65%).
  • 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


Monthly fees for service
Fee for the main card PLN 0* / PLN 12,99
Fee for the 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 and booked on given card.

** Insurances, services are not mandatory.

Credit cost and legal note

Annual Percentage Rate (APR) for cashless transactions is 16.65%; total loan amount (net of loan-financed costs): PLN 5000; total amount due: PLN 5463.49; variable interest rate: 10%; total cost of the loan: PLN 463.49 (including: sum of fees for maintenance of the main card PLN 142.89; interest PLN 320.60;); 12 equal monthly instalments of PLN 455.29. Annual Percentage Rate (APR) for cash transaction is 26.12%; total loan amount (net of loan-financed costs): PLN 5000; total amount due: PLN 5662.99; variable interest rate: 10%; total cost of the loan: PLN 662.99 (including: sum of fees for maintenance of the main card PLN 142.89; fee for cash transactions PLN 199.50; interest PLN 320.60); 12 equal monthly instalments of PLN 471.91. The calculation was made as of 2.01.2018 on a representative example.

The Bank assesses the applicant’s credit capacity on a case by case basis prior to granting the credit card; in case of failure to fulfil the requirements of credit capacity, the Bank shall not conclude a credit card agreement. For the fees, interest rates and other details see the Rules and regulations of credit cards issued by Bank Millennium SA /Regulamin kart kredytowych wydawanych przez Bank Millennium SA, Credit cards – Price List – available in the Bank’s branches and website. For the details of the offer you may also call TeleMillennium at 801 331 331.

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
We wish to inform you that from 2 November 2016 to 31 January 2017 a competition is being organised for employees of the Bank, the purpose being promotion of sales of Bank Millennium’s MasterCard credit cards.