Millennium BCP TAP Platinum Credit Card
Miles
Millennium BCP TAP Platinum Credit Card
Millennium BCP - Visa - Credit card
4.0
4.0 out of 5
8.0/10
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Head-to-head
Millennium BCP TAP Platinum Credit Card vs PAYBACK American Express Karte
Compare Millennium BCP TAP Platinum Credit Card and PAYBACK American Express Karte side by side: fees, rewards, APR, and perks.
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PAYBACK American Express Karte
Points
PAYBACK American Express Karte
American Express Germany - American Express - Credit card
4.7
4.7 out of 5
9.4/10
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Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | Millennium BCP TAP Platinum Credit Card | PAYBACK American Express Karte |
|---|---|---|
| Card fee | €312 EUR/yr (≈ $340) | No fee |
| Purchase APR (from) | 18.8% | - |
| Interest-free period | 30 days | 30 days |
| Foreign transaction fee | 3.85% | 2% |
| 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. | 1 PAYBACK point per €3 spent everywhere; double points (card + merchant points) at all PAYBACK partner stores. Points never expire with active programme participation. PAYBACK points convertible 1:1 to Lufthansa Miles & More miles. Optional PAYBACK MAX upgrade at €35/year doubles earning to 2 points per €3. |
| Installments | Split purchases into 3, 6 or 9 monthly instalments via the app (TAN 10.0 % / 10.5 % / 11.0 %). | Splitpay optional installment loan via solarisBank |
| No card fee | - | |
| No foreign transaction fee | - | - |
| Welcome bonus | - | |
| Airport lounge access | - | |
| Travel insurance | - | |
| Apple Pay / Google Pay |
Which is right for you
Pick by how you spend
- Choose the Millennium BCP TAP Platinum Credit Card if its checked rows above line up with how you spend most.
- Choose the PAYBACK American Express Karte if it wins on the features that matter most to you.
- Still unsure? Read each full review below, then apply on the issuer's secure site.
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