Credit card

Millennium BCP Classic Credit Card

No rewards

VISA

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Credit card Millennium BCP Visa

Card review

Millennium BCP Classic Credit Card

3.7 7.4/10 DebitCue Score Verified Jun 20, 2026

Portugal's everyday credit card with flexible repayment.

Fee: €10.4 EUR/yr (≈ $11); Waived for holders of Cliente Frequente, Programa Prestige, or Mais Portugal account packages.
Purchase APR: from 15.7%
Interest-free: 30 days
Foreign fee: 3.85%

Rewards

No rewards programme. Access to M Travel add-on for reduced FX fees when travelling.

Our verdict

What stands out, and where it falls short.

What we like

Pay in installments

Worth weighing

€10.4 EUR/yr (≈ $11) card fee
3.85% foreign transaction fee

Who It Is For

Whether the Millennium BCP Classic Credit Card fits how you actually spend.

Pick it if you are

People who want rewards on their spending
People who pay big purchases off over time

Skip it if you are

Light spenders who won't beat the €10.4 EUR/yr (≈ $11) fee
Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in EUR.

Card fee: €10.4 EUR/yr (≈ $11)
Purchase APR: from 15.7%
Interest-free period: 30 days
Foreign transaction fee: 3.85%
TAEG (APR): 15.7 %
TAN (Nominal Annual Rate): 13.6 %
Annual fee: €10.40 (incl. stamp duty)
Foreign transaction fee (ISF): 3.85 %

Rewards and features

Rewards: No rewards programme. Access to M Travel add-on for reduced FX fees when travelling.
Installments: Split purchases into 3, 6 or 9 monthly instalments via the app (TAN 10.0 % / 10.5 % / 11.0 %).
Pay with: Apple Pay, Google Pay, Contactless
Fee waiver: Included in Cliente Frequente, Programa Prestige, Mais Portugal account packages

Benefits and perks

Extras that come bundled with the card.

3D Secure fraud protection

3D Secure authentication for all online purchases.

Millennium BCP Classic Credit Card: your questions answered

How much does the Millennium BCP Classic Credit Card cost?

The Millennium BCP Classic Credit Card costs €10.4 EUR/yr (≈ $11). Waived for holders of Cliente Frequente, Programa Prestige, or Mais Portugal account packages..

What rewards does the Millennium BCP Classic Credit Card earn?

The Millennium BCP Classic Credit Card earns No rewards programme. Access to M Travel add-on for reduced FX fees when travelling..

Does the Millennium BCP Classic Credit Card charge foreign transaction fees?

Yes - the Millennium BCP Classic Credit Card charges a 3.85% foreign transaction fee.

Is there an interest-free period on the Millennium BCP Classic Credit Card?

Yes - up to 30 days interest-free when you pay your balance in full by the due date.

What is the interest rate on the Millennium BCP Classic Credit Card?

The Millennium BCP Classic Credit Card has a purchase APR of from 15.7%.

Can I pay in installments with the Millennium BCP Classic Credit Card?

Yes - Split purchases into 3, 6 or 9 monthly instalments via the app (TAN 10.0 % / 10.5 % / 11.0 %)..

Is the Millennium BCP Classic Credit Card a credit, debit or prepaid card?

The Millennium BCP Classic Credit Card is a credit card issued by Millennium BCP on the Visa network.

Does the Millennium BCP Classic Credit Card support Apple Pay and Google Pay?

Yes - the Millennium BCP Classic Credit Card works with both Apple Pay and Google Pay.

Where can I get the Millennium BCP Classic Credit Card?

The Millennium BCP Classic Credit Card is currently offered in Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia and 22 more.

How does DebitCue rate the Millennium BCP Classic Credit Card?

DebitCue rates the Millennium BCP Classic Credit Card 3.7 out of 5 (7.4/10), scored on the same factors as every card - fees, rewards, perks and ease of use.