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Millennium credit cards are an advanced, convenient and secure way to pay.
You will pay with them for shopping and services in Poland and abroad. The number of outlets accepting cards in Poland and worldwide continues to grow. All payments: in stores and online, as well as ATM withdrawals or transfers of credit card will be included in grace period up to 51 days*. Interest-free period for both cash transactions, and cashless transactions, is a unique offer of Bank Millennium. If you repay the entire debt, by the date stated on the billing statement - you will also pay no interest.
A credit card will also come in handy when you need to go into debt. In this way you can make the necessary purchase immediately, paying for it later, when you decide. You must only remember to pay the minimum of 5% of the debt amount every month and to pay the fees.
Offer details, including the rules for using a credit card as well as information about payments, are stipulated in the Regulations for Credit Cards Issued by Bank Millennium SA, as well as the Price List – Credit Cards, available here and in the Bank's branches.
* Private Banking: Grace period applies to cash and cashless transactions up to 56 days only.
Paying with a credit card you are using the Bank's money. Together with the card you get a credit limit. The limit is the maximum amount you can spend with the card, inclusive of all transactions and any fees as well as potential interest.
Each month the Bank will generate a billing statement - a listing of all transactions done and cleared in the month. In this way you will know how much you have spent and by when it should be repaid. You can get the statement in paper for (remember to update your mailing address in the Bank's system!) or in the "green" electronic version - via Millenet.
You can repay all or part of the spent money; the minimum payment is 5%. If you repay the entire debt, you will enjoy interest-free credit for up to 51 days (APR 18,91%)**!
Repaying the arisen debt you renew your credit limit.
It is most convenient to repay the utilised money from your personal account in Millennium (automatic card repayment). You can also make a transfer from another bank or pay-in cash to the card account in any Millennium branch.
** Cost of credit
Annual Percentage Rate (APR) for cashless transactions is 18.91%; total loan amount (net of loan-financed costs): PLN 5000; total amount due: PLN 5515.26; variable interest rate: 10%; total cost of the loan: PLN 515.26 (including: sum of fees for maintenance of the main card PLN 95.88; interest PLN 320.60; sum of Assistance Impresja/Alfa insurance fees PLN 54.89; sum of fees for Pakiet Bezpieczeństwa value added service PLN 43.89); 12 equal monthly instalments of PLN 459.60. Annual Percentage Rate (APR) for cash transaction is 28.62%; total loan amount (net of loan-financed costs): PLN 5000; total amount due: PLN 5714.76; variable interest rate: 10%; total cost of the loan: PLN 714.76 (including: fee for maintenance of the main card PLN 95.88; fee for cash transactions PLN 199.50; interest PLN 320.60; sum of Assistance Impresja/Alfa insurance fees PLN 54.89; sum of fees for Pakiet Bezpieczeństwa value added service PLN 43.89); 12 equal monthly instalments of PLN 476.23. The calculation was made as of 1.07.2016 on a representative example Millennium Visa/MasterCard Impresja and Millennium Visa Alfa cards.
Supplementary credit card
A supplementary card is issued upon request of the holder of the main card and it is available to persons aged over 13.
Transactions done with the supplementary card debit the main card account and the supplementary cardholder will use the main card limit. As holder of the main card you will decide about the amount of daily limits for non-cash and cash transactions on the supplementary card.
The holder of the supplementary card will have the possibility of using Pakiet Bezpieczeństwa service consisting of: SMS alerts Package on transactions made by card and “Ochrona Karty” (Card Protection) insurance pack.
Holders of supplementary credit cards: Millennium Alfa, Millennium Impresja, all gold credit cards and Millennium Visa Platinum may use Assistance or Concierge packages, which ensure support in unforeseen circumstances as well as help in everyday situations (i.a. booking tickets, delivering flowers). Additionally holders of gold and platinum Millennium credit cards will have the possibility of using Travel Insurance packages. Remember that your supplementary card Travel Insurance cover starts when holder of the supplementary card makes the first card payment abroad!