Credit card

Millennium BCP TAP Platinum Credit Card

Miles

VISA

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Credit card Millennium BCP Visa

Card review

Millennium BCP TAP Platinum Credit Card

4.0 8.0/10 DebitCue Score Verified Jun 20, 2026

Millennium BCP's top-tier TAP card: 2x miles, TAP Premium Lounge, and fast-track access.

Fee: €312 EUR/yr (≈ $340); No standard fee waiver listed.
Purchase APR: from 18.8%
Interest-free: 30 days
Foreign fee: 3.85%

Rewards

Earn 2 TAP Miles&Go miles per €1 spent. Maximum 75,000 miles per month. Miles do not expire with monthly card use; otherwise expire after 3 years. Excludes cash advances, digital wallet top-ups, gambling, government payments, and tolls.

Our verdict

What stands out, and where it falls short.

What we like

Earn 2 TAP Miles&Go miles per €1 spent. Maximum…
Airport lounge access
Travel insurance included
Pay in installments

Worth weighing

€312 EUR/yr (≈ $340) card fee
3.85% foreign transaction fee

Who It Is For

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

Pick it if you are

Frequent travelers
People who want rewards on their spending
Travelers who value airport lounges
People who pay big purchases off over time

Skip it if you are

Light spenders who won't beat the €312 EUR/yr (≈ $340) fee
Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in EUR.

Card fee: €312 EUR/yr (≈ $340)
Purchase APR: from 18.8%
Interest-free period: 30 days
Foreign transaction fee: 3.85%
TAEG (APR): 18.8 %
TAN (Nominal Annual Rate): 12.6 %
Annual fee: €312.00 (incl. stamp duty)
Foreign transaction fee (ISF): 3.85 %

Rewards and features

Rewards: Earn 2 TAP Miles&Go miles per €1 spent. Maximum 75,000 miles per month. Miles do not expire with monthly card use; otherwise expire after 3 years. Excludes cash advances, digital wallet top-ups, gambling, government payments, and tolls.
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
Miles earning: 2 miles per €1; max 75,000/month
Lounge access: TAP Premium Lounge at LIS, OPO, FNC on international flights

Benefits and perks

Extras that come bundled with the card.

TAP Premium Lounge access

Access to TAP Premium Lounge at Lisbon Airport on international flights, and at Funchal and Porto airports.
Travel insurance & assistance

Comprehensive insurance and assistance package included.
TAP Premium Check-in & priority baggage

Premium Check-in at all domestic Portuguese airports, Fast Track security at Lisbon Airport, and additional baggage allowance.

Millennium BCP TAP Platinum Credit Card: your questions answered

How much does the Millennium BCP TAP Platinum Credit Card cost?

The Millennium BCP TAP Platinum Credit Card costs €312 EUR/yr (≈ $340). No standard fee waiver listed..

What rewards does the Millennium BCP TAP Platinum Credit Card earn?

The Millennium BCP TAP Platinum Credit Card earns Earn 2 TAP Miles&Go miles per €1 spent. Maximum 75,000 miles per month. Miles do not expire with monthly card use; otherwise expire after 3 years. Excludes cash advances, digital wallet top-ups, gambling, government payments, and tolls..

Does the Millennium BCP TAP Platinum Credit Card charge foreign transaction fees?

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

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

The Millennium BCP TAP Platinum Credit Card has a purchase APR of from 18.8%.

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

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

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

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

Where can I get the Millennium BCP TAP Platinum Credit Card?

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

How does DebitCue rate the Millennium BCP TAP Platinum Credit Card?

DebitCue rates the Millennium BCP TAP Platinum Credit Card 4.0 out of 5 (8.0/10), scored on the same factors as every card - fees, rewards, perks and ease of use.