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Visa2/4 on file
✓ Annual fee checked
Banco Montepio · Visa

Cartão de Crédito Gold

Premium

The Cartão de Crédito Gold is a Visa card from Banco Montepio with an annual fee of €60. Here is what we hold on it, and what we do not.

Not every figure here is checked

Checked against a published document: annual fee (Oct 2026), purchase APR (Sep 2026). Not yet checked with Banco Montepio: credit requirement. Banco Montepio’s own page is authoritative — confirm anything you rely on there before you apply.

Annual fee€60per yearChecked clientebancario.bportugal.pt
Apply on Banco MontepioCompare this card
Opens Banco Montepio’s site
Ledger entry

The receipt

Every cost line we hold for the Cartão de Crédito Gold, exactly as recorded.

Annual fee
€60Checked clientebancario.bportugal.pt
Supplementary card
Not confirmed
Foreign transaction
Not confirmedWe couldn't verify this · check with the issuer
Purchase APR
18%Checked bancomontepio.pt
Income requirement
Not confirmed
Network
Visa
Credit needed
NoneNot yet checked with Banco Montepio
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the Cartão de Crédito Gold. That may mean there isn’t one, or simply that we have not recorded it — Banco Montepio’s own page is the place to check.

Issuer restricts access — check their site
Rewards

What it earns

No earn rates on file

We hold no category earn rates for the Cartão de Crédito Gold. Rather than print a multiplier we cannot source, this stays blank until Banco Montepio’s own terms give us one.

Issuer restricts access — check their site
Included

Perks & benefits

Card benefits

  • Interest-free credit up to 50 days
  • Installments of 3 to 12 months for payments or withdrawals over €50
  • Insurance package included
  • Exemption from monthly fee when using more than €250 per month
  • Visa and ATM network acceptance
  • Online and face-to-face shopping in Portugal and abroad
Next step

Ready to apply for the Cartão de Crédito Gold?

You'll finish the application on Banco Montepio's own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens Banco Montepio’s site
Questions

Questions about the Cartão de Crédito Gold

How much is the Cartão de Crédito Gold annual fee?

The Cartão de Crédito Gold has an annual fee of €60. Weigh that against the rewards and perks you will actually use.

What does the Cartão de Crédito Gold earn?

Banco Montepio's site restricts automated access, so we could not read the Cartão de Crédito Gold's earn rates and do not print a multiplier. Check them on Banco Montepio's own site.

What network is the Cartão de Crédito Gold on?

The Cartão de Crédito Gold runs on the Visa network, which determines where it is accepted and which network-level benefits apply.

Is the Cartão de Crédito Gold available in Portugal?

Yes — the Cartão de Crédito Gold is issued by Banco Montepio and is available to eligible applicants in Portugal. Approval depends on the issuer's own credit and income criteria.

When were the Cartão de Crédito Gold figures last checked?

We checked its annual fee in October 2026 and its purchase APR in September 2026, each against a published document. Not yet checked with Banco Montepio: credit requirement. Banco Montepio's site restricts access, so we could not check: earn rates and welcome offer. We could not verify, so we do not print: foreign transaction fee. Check them with Banco Montepio. Terms can change without notice, so confirm the current details with Banco Montepio before you apply.