Credit card

Millennium BCP Gold Prestige Credit Card

Points

VISA

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Credit card Millennium BCP Visa

Card review

Millennium BCP Gold Prestige Credit Card

3.9 7.8/10 DebitCue Score Verified Jun 20, 2026

Mid-tier rewards card with Millennium points on every purchase.

Fee: €31.2 EUR/yr (≈ $34); Waived for holders of Programa Prestige or Prestige Direto account packages.
Purchase APR: from 18.8%
Interest-free: 30 days
Foreign fee: 3.85%

Rewards

Millennium Rewards: earn 1 point per €1 spent. Points redeemable for products and experiences from the Millennium catalogue. Points valid for 5 years from earning date. Excludes gambling, gaming, cash advances, and digital wallet top-ups.

Our verdict

What stands out, and where it falls short.

What we like

Millennium Rewards: earn 1 point per €1 spent. Points…
Travel insurance included
Pay in installments

Worth weighing

€31.2 EUR/yr (≈ $34) card fee
3.85% foreign transaction fee

Who It Is For

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

Pick it if you are

Frequent travelers
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 €31.2 EUR/yr (≈ $34) fee
Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in EUR.

Card fee: €31.2 EUR/yr (≈ $34)
Purchase APR: from 18.8%
Interest-free period: 30 days
Foreign transaction fee: 3.85%
TAEG (APR): 18.8 %
TAN (Nominal Annual Rate): 13.6 %
Annual fee: €31.20 (incl. stamp duty)
Foreign transaction fee (ISF): 3.85 %

Rewards and features

Rewards: Millennium Rewards: earn 1 point per €1 spent. Points redeemable for products and experiences from the Millennium catalogue. Points valid for 5 years from earning date. Excludes gambling, gaming, cash advances, and digital wallet top-ups.
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
Rewards: 1 Millennium point per €1 spent; 5-year validity

Benefits and perks

Extras that come bundled with the card.

Travel insurance & assistance

Insurance and assistance package included with card.
3D Secure online protection

3D Secure authentication for online transactions.

Millennium BCP Gold Prestige Credit Card: your questions answered

How much does the Millennium BCP Gold Prestige Credit Card cost?

The Millennium BCP Gold Prestige Credit Card costs €31.2 EUR/yr (≈ $34). Waived for holders of Programa Prestige or Prestige Direto account packages..

What rewards does the Millennium BCP Gold Prestige Credit Card earn?

The Millennium BCP Gold Prestige Credit Card earns Millennium Rewards: earn 1 point per €1 spent. Points redeemable for products and experiences from the Millennium catalogue. Points valid for 5 years from earning date. Excludes gambling, gaming, cash advances, and digital wallet top-ups..

Does the Millennium BCP Gold Prestige Credit Card charge foreign transaction fees?

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

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

The Millennium BCP Gold Prestige Credit Card has a purchase APR of from 18.8%.

Can I pay in installments with the Millennium BCP Gold Prestige 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 Gold Prestige Credit Card a credit, debit or prepaid card?

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

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

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

Where can I get the Millennium BCP Gold Prestige Credit Card?

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

How does DebitCue rate the Millennium BCP Gold Prestige Credit Card?

DebitCue rates the Millennium BCP Gold Prestige Credit Card 3.9 out of 5 (7.8/10), scored on the same factors as every card - fees, rewards, perks and ease of use.