BBVA Renfe Mastercard Clásica vs Millennium BCP TAP Platinum Credit Card: fees, rewards and APR compared - DebitCue Skip to content
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BBVA Renfe Mastercard Clásica vs Millennium BCP TAP Platinum Credit Card

Compare BBVA Renfe Mastercard Clásica and Millennium BCP TAP Platinum Credit Card side by side: fees, rewards, APR, and perks.

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Compared side by side

Cells with a check mark are the stronger value in that row. Ties stay unmarked.

BBVA Renfe Mastercard Clásica versus Millennium BCP TAP Platinum Credit Card compared by attribute
Feature BBVA Renfe Mastercard Clásica Millennium BCP TAP Platinum Credit Card
Card fee No fee €312 EUR/yr (≈ $340)
Purchase APR (from) 0% 18.8%
Interest-free period 30 days 30 days
Foreign transaction fee 3% 3.85%
Rewards 0.10 Renfecitos per €1 at Renfe; 0.05 Renfecitos per €1 elsewhere; 100 bonus points at €7,500 annual spend (1 Renfecito ≈ €0.10 in train travel) Earn 2 TAP Miles&Go miles per €1 spent. Maximum 75,000 miles per month. Miles do not expire with monthly card use; otherwise expire after 3 years. Excludes cash advances, digital wallet top-ups, gambling, government payments, and tolls.
Installments 3-6 months: commission-based; 7-36 months: 21% TIN / 23.11% TAE Split purchases into 3, 6 or 9 monthly instalments via the app (TAN 10.0 % / 10.5 % / 11.0 %).
No card fee -
No foreign transaction fee - -
Welcome bonus -
Airport lounge access -
Travel insurance
Apple Pay / Google Pay

Which is right for you

Pick by how you spend

  • Choose the BBVA Renfe Mastercard Clásica if its checked rows above line up with how you spend most.
  • Choose the Millennium BCP TAP Platinum Credit Card if it wins on the features that matter most to you.
  • Still unsure? Read each full review below, then apply on the issuer's secure site.
Full review BBVA Renfe Mastercard Clásica Full review Millennium BCP TAP Platinum Credit Card

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