Is the booking complete?​

Cashback up to €100 per Card Account at restaurants​​*

AB Gold Credit Card1

TAEG 17,9% | TAN 12,200%

Card provision fee €2.99 per month​​​

The Gold side of the Backpack​

More leisure? Included.

Receive 2% de cashback2 for your payments in Restaurants, TVDE, Food Delivery and Steaming services.

More trips? Included.

Make payments or withdrawals outside Portugal without international servicing fee​3. Have seven personal and travel protection insurances4. When you want to hit the road, fill up without a petrol station fee.

More freedom? Included.

Withdraw up to €400/month on Credit without paying cash advance fee5.

More tranquility? Included.

In the ActivoBank App, you can view the digital version of your Card, such as number, expiration date and CVV, as well as activate/deactivate Contactless, international transactions and online purchases.

What if your AB Gold Credit Card gave you advantages and benefits at Pestana Hotels? Now it can.

To access the benefits and discounts, all you need to do is register with the Pestana Guest Club program by accessing the ActivoBank app - select the card, tap on the small dots and select Benefits.

Take the break you need with your AB Gold.

Get a Credit Card with payment flexibility

Decide how and when you want to pay. The payment mode and date of the Credit Card can be changed in the App.

Make it about your limits

Pay the amount you owe, totally or partially (between 3% and 100%).

Choose the payment date

Between the 11th or the 20th of each month the payment will be made. You choose the date.


Want to start slicing? We simplify

Digital Card

After the Card is issued, you will immediately receive the digital version to use in your App, while you wait for the physical version to arrive at your home. ​

To access the details of the Digital Card, you should go to More > Cards > Show details.

Digital shopping safer? 3D Secure

When you make an online purchase with your Card, you will receive a notification to approve the purchase in the App. This level of security, which is mandatory for all EU merchants, is designed to verify that the Internet payment is being made by the cardholder. ​

This system is available on all ActivoBank Cards and is linked to the phone number registered with the Bank.

Fees Table
Fee Cost
Provision €35,88 (paid monthly in the amount of €2,99). Plus Stamp Tax.
International Service3 Exempt. The international service fee refers to transactions, payments and/or cash withdrawals to Credit, in currencies and countries not covered by regulation 518/2019.

Countries covered by regulation no. 518/2019 (Eurozone, European Union and EEA): Belgium, Germany, Greece, Spain, France, Ireland, Italy, Luxembourg, the Netherlands, Austria, Portugal, Finland, Slovenia, Cyprus, Malta, Slovakia, Estonia, Latvia and Lithuania, Czech Republic, Denmark, Hungary, Poland, Sweden, Bulgaria, Romania, Croatia, Iceland, Norway and Liechtenstein. Currencies covered: euro, Swedish krona and Romanian leu.
Cash Advance5 Exemption of the cash advance fee of €4 + 4% on the amount of the withdrawal, up to a maximum withdrawal of €400 per month, after which the fees in the price list apply.
Tax If you pay the outstanding balance of the Card in other than 100%, a TAN of 12,200% applies.
Petrol station fee Exempt.

Frequently Asked Questions

What else do you need to know?

These are our frequently asked questions.

Can I start using the Card once I receive it?

You will need your PIN code to start using your Card.

On the App: on the home page there will be a notification. Click it and follow the steps.​

On the Website: Daily basis > Cards > More Operations > Activate Card.​

You'll receive the PIN code through SMS on the phone number associated with your Account. Before you make the first payment with your Card, go to the ATM and consult your balance or movements to activate the Card.

How do I change the payment date of the Credit Card?​

You can change the payment date, with effect in the current month, up to the last day of the monthly statement (ie., the last business day of each month).​

  • In the App, access the Card and select the "Change date” option.​
  • On the Website: login and go to Daily basis > Select the Card in the left menu > More Operations > Change Payment Date.

How can I change the Credit Card limit?

You can request a credit limit change:

  • On the App, access the card, select option "Credit limit".
  • On the website: Login > Daily basis > select the Card on the left menu > More Operations > Change Credit limit.

Do I get Cashback with the AB Gold Credit Card?​

Yes, you will receive 2% Cashback when you shop on the main platforms of TVDE (Uber, Bolt, Free Now), Food Delivery (Uber Eats, Glovo, Bolt Food, NoMENU, Volup) and Streaming (Disney Plus, Amazon Prime, Filmin, Mubi, Spotify, Tidal, Amazon Music, Youtube Music).​

What should I do in case my Card is stolen or lost?

Just talk to us on the Support Line +351 800 913 700, available 24 hours a day and at no cost. ​

How do I validate 3D Secure transactions? 

To validate 3D Secure transactions, you need to ensure that you have:

  • Internet access via mobile data or Wi-Fi;​
  • Notifications are enabled in the ActivoBank application. You can confirm this by logging in to the App, selecting the "More" section and managing notifications under configurations.​

At the moment of online purchase:​

  • Enter your card details and wait.​​
  • You will then receive a notification from the ActivoBank application. Click on it.​​
  • Follow the instructions to validate the payment.​
  • At the end, it's important to go back to the merchant's website or App to complete the purchase.​

Didn't find what you were looking for?

Clarify your doubts!


Credit Card AB Gold


Consult here more information about the Credit Card AB Gold

*Campaign valid for Clients who have not had an AB Gold Credit Card in the last 12 months and who apply for an AB Gold Credit Card between June 1 and August 31, 2024 | TAEG 17.9%. ​

10% Cashback at Restaurants​ during this period, with a maximum of €100 per Card Account. ​ Transactions in Restaurants are the payments in POS with Restaurant MCC or transactions with “Restaurante, Tascas ou Cervejarias” (Restaurant, Tavern or Brewery) in the descriptive. The credit will be added to the Card Account on a monthly basis, in the month following the transactions and during the campaign period. ​​

1- AB Gold Credit Card

TAEG 17,9% and TAN 12,200% for a Credit limit of €1.500 paid in 12 equal monthly installments of capital plus interest and charges. Exempt from international servicing fee. Provision fee for the Credit Card is €35.88 (paid monthly in the amount of €2.99). Plus Stamp Duty of 4%. Request subject to Credit risk analysis.

2- 2% cashback with a maximum of €5/month at Restaurants, Tascas, and Cervejarias, TVDE platforms, Food Delivery, and Streaming services. The credit will be applied to the Card Account in the month following the one in which payments with the Card are made. Included platforms: UBER; BOLT; FREE NOW; UBER EATS; GLOVO; BOLT FOOD; NoMENU; VOLUP; NETFLIX; HBO; DISNEY PLUS; AMAZON PRIME; FILMIN; MUBI; SPOTIFY; TIDAL; AMAZON MUSIC; YOUTUBE MUSIC.

3- The international service fee refers to transactions, payments and/or Credit cash withdrawals, in currencies and countries not covered by regulation (EU) No. 2021/1230, of European Parliament and the Council. Countries covered by regulation (EU) 2021/1230 (Eurozone, European Union and EEA): Belgium, Germany, Greece, Spain, France, Ireland, Italy, Luxembourg, Netherlands, Austria, Portugal, Finland, Slovenia, Cyprus, Malta, Slovakia, Estonia, Latvia and Lithuania, Czech Republic, Denmark, Hungary, Poland, Sweden, Bulgaria, Romania, Croatia, Iceland, Norway and Liechtenstein. Currencies covered: euro, Swedish krona and Romanian leu.

4- Includes Personal Accident Insurance, Travel Protection, Travel Contingencies, Assistance Services, Medical Assistance in Foreign Countries, Home Medical Assistance and Stolen Card.


Doesn't dispense the consultation of the legally required pre-contractual and contractual information.

Banco ActivoBank, S.A., Office: Rua Augusta, 84 Lisboa, Share Capital 127.600.000 Euros, registered with this same number in the Lisbon Trade Registry, Single registration and TIN. 500 734 305. Insurance agent registered under nr. 419501226, with the Insurance and Pension Funds Supervision Authority - Registration Date: 21/01/2019. Authorization for the brokerage distribution of the life and non-life insurance. For information and further registration details, please consult: The Insurance Intermediary is not authorized to sign insurance contracts on behalf of the Insurer or receive any insurance premiums payable to the Insurer. The Insurance Intermediary does not assume liability regarding any risks covered by the insurance contract, which shall be fully assumed by the Insurer.

Ageas Portugal – Companhia de Seguros, S.A. Head office at Praça Príncipe Perfeito 2, 1990-278 Lisboa. Legal person number 503 454 109. CRC Porto. Share capital of € 7.500.000. ASF Register 1129, on the ASF Website - Autoridade de Supervisão de Seguros e Fundos de Pensões