Cofidis Portugal review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Cofidis Portugal is a credit card for people in Portugal who want spending perks with no annual charge. It suits everyday shopping on cashback, since the card charges an annual fee of €0 and pays cashback of 0.5% on purchases, with instalments available in the app.
Key facts
- Best for
- Portuguese cardholders who want cashback, no annual fee and purchase instalments.
- Annual fee
- €0 (Source, checked September 26, 2026)
- Currency conversion fee
- 3% (Source, checked September 26, 2026)
- Rewards type
- Cashback (Source, checked September 26, 2026)
- Rewards rate
- 0.5% on purchases (Standard service, max EUR 50 cashback per year); 1% on purchases with the paid Mais por 5EUR service (max EUR 100 per year) (Source, checked September 26, 2026)
- Perks
- Health plan extendable to family members with dental cover, 3D Secure secure online payments, Zero fee on purchases at petrol stations, Purchase instalments in the Cofidis app and client area, Up to EUR 100 cashback per year (Source, checked September 26, 2026)
- Cashback rate
- 0.5% (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- Cofidis (Source, checked September 26, 2026)
- Headquarters
- Belgium (Source, checked September 26, 2026)
- Founded
- 1996 (Source, checked September 26, 2026)
- Support channels
- Phone, Chat, Email, Help-centre (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Rewards
- Official website
- cofidis.pt
Pros and cons
Pros
- Annual fee of €0 for a credit card
- Cashback of 0.5% on purchases, with rewards paid as cashback
- No fee on petrol station purchases, plus secure online payments and a health plan with dental cover (Health plan extendable to family members with dental cover, 3D Secure secure online payments and Zero fee on purchases at petrol stations)
- Purchase instalments in the Cofidis app and client area (Health plan extendable to family members with dental cover, 3D Secure secure online payments and Zero fee on purchases at petrol stations)
Cons
- Currency conversion fees of 3% make it a costly card for spending abroad
- A higher cashback rate needs the paid Mais por service, so 0.5% is the standard rate
- Cashback of 0.5% is capped each year, so large spenders earn less than the headline rate
Who it suits
- Portuguese residents who clear the card in full and want cashback on everyday spend
- Drivers who fill up often, since petrol station purchases are fee free under Health plan extendable to family members with dental cover, 3D Secure secure online payments and Zero fee on purchases at petrol stations
- People who want to split purchases into instalments in the app and client area (Health plan extendable to family members with dental cover, 3D Secure secure online payments and Zero fee on purchases at petrol stations)
Who should look elsewhere
- Anyone spending heavily abroad should compare Bitpanda, whose currency conversion fee is 0% against 3% here
- Varo Believe Secured Credit Card is a secured card with an annual fee of $0, a different product from a rewards credit card
- Buyers after a secured limit can compare Chime Card (Secured Visa Credit Card), annual fee $0
How Cofidis Portugal compares
8.9 vs 9.0
8.9 vs 8.9
8.9 vs 8.8
8.9 vs 9.2
8.9 vs 8.8
8.9 vs 9.4
8.9 vs 8.5
8.9 vs 8.5
8.9 vs 9.0
8.9 vs 8.8
8.9 vs 8.8
8.9 vs 8.7
8.9 vs 9.2A currency conversion fee of 0% against 3% here, so foreign spend costs less on Bitpanda.
8.9 vs 9.0
8.9 vs 9.5
8.9 vs 9.4
8.9 vs 9.4
8.9 vs 9.2
8.9 vs 9.2
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 8.8
8.9 vs 8.8- 8.9 vs 8.8
- 8.9 vs 8.8
- 8.9 vs 8.8
8.9 vs 8.5
8.9 vs 8.5
8.9 vs 8.5
8.9 vs 8.3
8.9 vs 8.2
8.9 vs 8.0
8.9 vs 8.0
Where Cofidis Portugal is available
- Available
- Belgium, France, Portugal
- Licence in Portugal
- Banco de Portugal (921), checked September 26, 2026
- Licence in France
- ORIAS (07023493), checked September 26, 2026
- Licence in Belgium
- BE_NBB (PSD_PI BE_NBB!0400359283), checked September 26, 2026, also valid in Belgium
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Is there an annual fee on the Cofidis Portugal credit card?+
No. The annual fee is €0, and the card is sold on a no annual fee basis, which is unusual for a credit card. That makes it easier to hold alongside a second card without a second charge. As a credit card, any balance carried can accrue interest.
How much cashback does the card pay?+
Cashback runs at 0.5% on purchases, and the rewards type is cashback rather than points or miles. A higher rate on purchases applies with the paid Mais por service, and the amount you can earn each year is capped.
Is the Cofidis Portugal card a credit or debit card?+
It is a credit card, so spending draws on a revolving balance rather than money in a current account, and the legal entity is Cofidis. Purchases can be split into instalments in the Cofidis app and client area. The group is headquartered in Belgium (BE).
Is Cofidis Portugal regulated?+
Yes. It is licensed by Banco de Portugal in Portugal (921), ORIAS in France (07023493) and BE_NBB in Belgium (PSD_PI BE_NBB!0400359283). It has worked in Portugal since 1996.
What extras come with the card?+
No fee applies to purchases at petrol stations, and the perks cover secure online payments and a health plan that extends to family members with dental cover (Health plan extendable to family members with dental cover, 3D Secure secure online payments and Zero fee on purchases at petrol stations). Instalments on purchases can be set up in the Cofidis app and client area.
Who should choose this card?+
It suits people in Portugal who clear the balance each month and want cashback of 0.5% on everyday spend, especially drivers and anyone who wants to spread a purchase into instalments. With a currency conversion fee of 3%, it suits a single market rather than a card used across several currencies.
How do I get help if something goes wrong?+
Support runs on phone, chat and email, covering phone, chat, email and a help centre, so a cardholder can pick whichever suits. Questions about instalments or cashback can also be handled through the app and client area.
Can I use the card abroad without extra cost?+
Not cheaply. Foreign purchases incur a currency conversion fee of 3%, so spending abroad costs more per purchase than it would on a card with no conversion fee. Spending within Portugal avoids that charge, which is where the card is strongest.
Sources
- euclid.eba.europa.eu/register/downloads/PSDMD/20260926/do... checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“EntityCode=BE_NBB!0400359283; EntityType=PSD_PI; ENT_NAM=Cofidis”
- cofidis.pt/produtos/cartao-de-credito checked September 26, 2026
Backs: Annual fee, Card kind, Cashback rate, Features, Currency conversion fee, Pricing model, Perks, Rewards rate, Rewards type, Support channels
“+ Cashback, Isenções, Vantagens Exclusivas”
- cofidis.pt/quem-somos/cofidis-portugal checked September 26, 2026
Backs: Founded
“Estamos em Portugal desde 1996”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: APR.
Related by the facts
Cofidis Portugal
Portuguese cardholders who want cashback, no annual fee and purchase instalments.