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Millennium BCP GO! Credit Card review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

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.

Key facts

Best for
Portuguese customers wanting a traditional credit card with instalment plans and useful travel-related benefits.
Annual fee
€10.40 (Source, checked September 26, 2026)
APR
15.4% (Source, checked September 26, 2026)
Currency conversion fee
3.85% (Source, checked September 26, 2026)
Rewards type
None (Source, checked September 26, 2026)
Perks
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 (Source, checked September 26, 2026)
Card kind
Credit (Source, checked September 26, 2026)
Legal entity
Banco Comercial Portugues, S.A. (Source, checked September 26, 2026)
Headquarters
Portugal (Source, checked September 26, 2026)
Founded
1985 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Features
Travel
Audience
Business, Kids
Official website
millenniumbcp.pt

Debit cards

Currency conversion fee
3.85% (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Legal entity
Banco Comercial Portugues, S.A. (Source, checked September 26, 2026)
Headquarters
Portugal (Source, checked September 26, 2026)
Founded
1985 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Features
Travel
Audience
Business, Kids

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataLinkedIn

Pros and cons

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.
  • Customers can use instalment plans and select their payment date.

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.
Millennium BCP GO! Credit Card

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Scored 9.1 / 10 by DebitCue.

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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.

Fees and FX

The annual fee is €10.40 and the APR is 15.4%. The currency conversion fee is 3.85%, while an M Travel subscription can remove the international service fee on purchases abroad. The annual fee is also removed when the card is bundled with an eligible Cliente Frequente or Mais Portugal account.

How Millennium BCP GO! Credit Card compares

Where Millennium BCP GO! Credit Card is available

Available
Portugal
Licence in Portugal
Banco de Portugal (33), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

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.

What does it cost to use abroad?+

The currency conversion fee is 3.85%. An M Travel subscription can remove the international service fee charged on purchases abroad, making it more relevant to frequent travellers.

Does the card offer rewards?+

There is no rewards programme because its rewards type is none. Its benefits instead focus on instalment plans, payment flexibility, travel-related services and account-linked discounts.

Is the card regulated in Portugal?+

Yes. Banco de Portugal licenses the card issuer in Portugal. The card is a credit card, allowing customers to choose payment dates and use instalment plans for purchases.

How can customers manage the card and get support?+

The bank offers phone and help-centre support through phone and help centre. Customers can also use the digital card in the App Millennium and supported mobile wallets.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Millennium BCP GO! Credit Card

Millennium BCP GO! Credit Card

Portuguese customers wanting a traditional credit card with instalment plans and useful travel-related benefits.

9.1/10See alternatives