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Excellent shopping.
Custom Monthly Payments. |
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With this card you can benefit from:
- the comfort of a credit card;
- the flexibility of personal credit;
- and all the freedom to fix monthly payments like for a line of credit.
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Our Millennium bcp Fix Card is accepted at over 48,000 stores worldwide (members of the international Mastercard network). You can also use ATMs to withdraw cash on credit and, in Portugal, also on debit.
14,360% APR and 15,0% APRC for 1.500 EUR repaid over 12 months, with the same value of 134,17 EUR. Total amount chargeable to Client : 1.616,07 EUR including annual fee and tax. |
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Features |
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- Our Millennium bcp Fix Card, member of the Mastercard network, draws on the idea of consumer credit of fixed monthly payments.
- You decide how much you pay each month when you take out the card (from 5% to 10% of your credit limit), and can rest assured that the amount won't change, regardless of how much you spend.
- It is completely up to you to, at any time, change the amount of your monthly payments. All you have to do is contact your bank.
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Main Advantages |
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Fixed Monthly Payments - now you can go ahead and make those special purchases With Millennium bcp Fix Card the volume of purchases will not offset your budget, since you can fix your monthly payment (from 5% to 10% of your credit limit). And you can be confident that the amount you've chosen will not change at the end of the month, no matter how much you've spent:
- Free - Our Millennium bcp Fix Card is a free card. There is no annual fee for the main or secondary card holders, unless no purchases or payments are made for 6 months, in which case there will be a semestral fee of EUR 3*.
- Subsidized Rates - Millennium bcp Fix Card offers 1% of all purchases equal or higher to
EUR 250, directly credited to your card account.
- Flexibility - With Millennium bcp Fix Card you have the flexibility of a personal loan that you can use at your convenience. Since it is a MasterCard credit card, it is accepted at over 48,000 stores in Portugal and abroad.
You can also use your Millennium bcp Fix Card to withdraw cash on credit and, in Portugal, also on debit.
Please Note: for online requests (millenniumbcp.pt), the monthly payments will, by default, be 5% of your credit limit (rounded off to the euro), regardless of the amount selected in the payment option. You can, at any time, change that amount by a quick visit to your Bank. |
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Insurance |
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Fraud Protection Guarantee
From the moment you have notified the Bank that your card has been stolen or robbed, you will not be held responsible for any transaction. The Bank will not, however, return any payments incurring from fraudulent or unauthorized use of the card if there has been criminal intent or negligence on the holder's part. Regarding the transactions made prior to notification, excluding criminal intent or gross negligence, the Bank also guarantees:
- Refund for payments that, due to fraud or unauthorized use of card, are made by third-parties in the 48 hours immediately prior to notification, up to the maximum limit stipulated in the Guarantee policy. There is a EUR 250 deductible in case of claim.
- Refund, at date of the first irregular operation, of the amount in excess of available balance in view of the holder's credit limit.
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Bonus Program |
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Millennium bcp Fix Card offers you a 1% bonus, credited to your card account, for each purchase of EUR 250 or above.
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How to apply** |
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Apply for your card now by calling our Direct Bank or by visiting any Millennium bcp branch. |
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(*) If the card remains without use for over 6 months - i.e. there are no credit transactions or outstanding balance payments - there will be a EUR 3 semestral fee.
(**) Transactions/information in Portuguese will soon be available in
English. |
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