Updated October 13, 2026 · DebitCue Editorial Team
KBC Debit Card vs Millennium BCP GO! Credit Card
KBC Debit Card
Millennium BCP GO! Credit Card
Higher score in this comparison
What sets them apart
| Compare | KBC Debit CardReviewSee alternativesSee alternatives | Millennium BCP GO! Credit CardReviewSee alternativesSee alternatives |
|---|---|---|
| Currency conversion fee | Not confirmed | 3.85% |
Same on both: Card type (Debit).
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Key differences
- Support channels: only KBC Debit Card offers Chat.
- Support channels: only Millennium BCP GO! Credit Card offers Help centre.
- Features: only KBC Debit Card offers Rewards.
- Features: only Millennium BCP GO! Credit Card offers Travel.
Our verdict on each
KBC Debit Card
For customers who prefer direct debit spending over credit style borrowing, KBC Debit Card keeps daily control while adding travel and event extras. KBC Debit Card is a debit card with rewards that supports payments and cash access across borders for daily routines, trips and live event enjoyment.
Millennium BCP GO! Credit Card
Millennium BCP GO! Credit Card suits Portuguese customers who want instalment choices, payment flexibility and account-linked travel benefits. Its standout travel feature is a currency conversion fee of 3.85%, which an M Travel subscription can remove on purchases abroad.
Score breakdown
| Area | KBC Debit Card | Millennium BCP GO! Credit Card |
|---|---|---|
| Cost | Not confirmed | 8.6The card charges an annual fee of €10.40 and an APR of 15.4%, with a currency conversion fee of 3.85%. |
| Offer | Not confirmed | 9.2 |
| Trust | Not confirmed | 9.4 |
How they place
| Ranking | KBC Debit Card | Millennium BCP GO! Credit Card |
|---|---|---|
| Debit cards | 996 of 1336 | 170 of 1336 |
Every fact side by side
| Fact | KBC Debit Card | Millennium BCP GO! Credit Card |
|---|---|---|
| Features | Rewards | Travel |
| Audience | Not confirmed | Business, Kids |
| Legal entity | KBC Bank NV | Banco Comercial Portugues, S.A. |
| Headquarters | Belgium | Portugal |
| Founded | Not confirmed | 1985 |
| Support channels | Chat, Phone | Phone, Help centre |
Credit cards
| Fact | KBC Debit Card | Millennium BCP GO! Credit Card |
|---|---|---|
| Annual fee | €0Lower | €10.40 |
| APR | 9.35%Lower | 15.4% |
| Rewards type | Cashback | None |
| Pricing model | No annual fee | Not confirmed |
| Rewards rate | Cashback on selected spending abroad via Mastercard Travel Rewards | Not confirmed |
| Perks | Free returns of online purchases (max EUR 30 per claim, 3 claims per year), Mastercard Fast Track airport security access, Presale access to Live Nation tickets, Set your own spending limit, Pay in full the following month or spread repayments with KBC Flex Budget, Worldwide payments and ATM withdrawals on the Mastercard network, Optional Shopping package EUR 1.50/month, Travel package EUR 7.00/month, Luxury package EUR 25.00/month with airport lounges | 0 EUR annual fee when bundled with a Cliente Frequente or Mais Portugal account, M Travel subscription removes the international service fee on purchases abroad, Up to 25% discount on Avis car rental (code W601014), Split a purchase into 3, 6 or 9 instalments (TAN up to 11.000%), Instant digital card in the App Millennium, usable in MB WAY, Apple Pay, Google Pay and Samsung Wallet, Payment date selectable between the 11th and the 20th, 30 day billing cycle, Card body made with 100% recycled plastic |
| Card kind | Credit | Credit |
Where each stands against the rest
| Fact | KBC Debit Card | Millennium BCP GO! Credit Card | Median |
|---|---|---|---|
| Currency conversion fee | Not confirmed | 3.85%highest quarter | 1% |
Median across 387 listed cards.
Pros and cons
KBC Debit Card
Pros
- Debit card linking routine daily payments to rewards for regular use
- Supports payments and cash access across borders for daily life and travel
- Adds fast lane for airport checks and early entry to live events
Millennium BCP GO! Credit Card
Pros
- Banco de Portugal licenses the card issuer in Portugal.
- An eligible account bundle removes the annual fee.
- Instant digital card access is available in the App Millennium and supported mobile wallets.
Cons
- The annual fee is €10.40, although eligible account bundles can remove it.
- Foreign purchases carry a currency conversion fee of 3.85%.
- The rewards type is none, so spending does not generate a rewards programme.
Who each suits
KBC Debit Card
Who it suits
- Customers who prefer debit spending for daily routines
- Customers who value travel and live event extras
Millennium BCP GO! Credit Card
Who it suits
- Portuguese customers wanting a locally licensed credit card.
- Customers who value instalment plans and selectable payment dates.
- Account holders who can qualify for the bundled-account fee removal.
Who should look elsewhere
- Wise may suit customers prioritising a lower annual fee.
- Varo Believe Secured Credit Card and Chime Card may suit applicants seeking secured credit.
- Those wanting a rewards programme may prefer a card that offers one.
Current offers
Millennium BCP GO! Credit Card
Current offer
Bonus
IKEA 50 EUR gift voucher with the Classic credit card: 50 EUR IKEA gift voucher
Valid for new applications between 18/09/2026 and 30/09/2026; subject to credit risk analysis
Source, checked September 26, 2026
Country by country
| Country | KBC Debit Card | Millennium BCP GO! Credit Card |
|---|---|---|
| Belgium | Yes | No |
| Portugal | No | Yes |
Questions about each
KBC Debit Card
What is KBC Debit Card?+
KBC Debit Card is a debit card with rewards tied to spending. It covers payments and cash withdrawals across borders for daily routines and travel. Fast lane access at airport checks and early entry to live shows add extra appeal for many customers.
Who is KBC Debit Card for?+
KBC Debit Card is aimed at customers who prefer spending directly through a debit card. It covers steady daily use plus trips that need acceptance abroad. Concert extras and airport details give added appeal for customers who value those elements.
Millennium BCP GO! Credit Card
Is there an annual fee?+
The annual fee is €10.40. It is removed when the card is bundled with a Cliente Frequente or Mais Portugal account, subject to the qualifying account arrangement.
What APR applies?+
The card has an APR of 15.4%. The cost of borrowing therefore depends on the rate applied to the balance and the arrangement selected.
Other options to compare
KBC Debit Card
Millennium BCP GO! Credit Card