Spend it on whatever you want and get €50 back? It’s gold.​​

AB Gold Credit Card1

TAEG 17,9% | TAN 12,200%

Card issuance fee: €2.99/month​

Get €50 Cashback*

Campaign valid from May 1 to June 30, 2025, for first-time Cardholders and €500 in purchases during this period. Offer must be claimed in the App by July 18, 2025.

Request Credit Card

Credit subject to approval

Every moment is Gold​

More leisure? Included.

Receive 2% de cashback2 for your payments in Restaurants, TVDE, Food Delivery and Steaming services.
Cumulative with the current campaign.

More trips? Included.

New

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.Now you can enjoy SmartDelay5 too.

More freedom? Included.

Withdraw up to €400/month on Credit without paying cash advance fee6.

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.

INSTALLMENT PAYMENTS

Want to start slicing6? We simplify

Logo Fatia ActivoBank

Feel like you're in the clouds by paying for your vacation in 3, 6 or 9 installments

TAN 9,900%

AB Gold Credit Card1
TAEG 17,9% | TAN 12,200%

PURCHASES FROM 75€ UP TO 50 TRANSACTIONS SIMUTANEOUSLY

Learn more

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.

Choose a Credit Card with more advantages

Request Credit Card

TAEG 17,9%

Cartão Crédito ABGold
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 Advance 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.

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.

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.

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.

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).​

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

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.​

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Credit Card AB Gold

Documentation

Consult here more information about the Credit Card AB Gold

Insurance Guide General Conditions FIN

1- AB Gold Credit Card

TAEG 17,9% and TAN 12,200% for a €1.500 credit limit, paid in 12 equal monthly installments of principal plus interest and charges. Annual availability fee of €37.32, charged upfront and monthly on the contract date in the amount of €3.11. Stamp Duty included.

Credit subject to approval.

*Campaign valid per Card Account, for customers who meet all the following conditions:​
- Have not had an AB Gold Credit Card in the last 12 months;​​
- Between 1/5 and 30/6 2025: acquire an AB Gold Credit Card and make purchases totaling €500;
- Between 9/7 and 18/7 2025: request access to the campaign via the banner available in the “For You” section of the ActivoBank App.

The €50 Cashback will be credited to the Credit Card Account by the following month.

The following payments/purchases are not eligible: payments for services; to the State; to public institutes and companies; to local authorities and similar administrative entities; gambling and betting transactions; foreign currency purchases; fund transfers to other financial institutions, including reloading of prepaid cards; via digital wallets except Google Pay, Apple Pay, and MBWay; subscriptions to financial products or public debt instruments.

Reading the Campaign Regulations is recommended.​

Check the Campaign Regulation here| May and June

2- Cashback with a maximum of €5/month for Restaurants, TVDE platforms, Food Delivery, and Streaming.The cashback will be credited to the Card Account in the month following the payment made with the Card. Transactions at restaurants are those made through POS systems with Merchant Category Code (MCC) for Restaurants or transactions that include the terms “Restaurant, Tavern, Brewery, Grill, or Pizzeria” in the description. Platforms included: 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 operations, payments, and/or cash withdrawals made on credit, and through the use of the AB Gold Credit Card, is exempt in non-eurozone and countries not covered by Regulation (EU) No. 2021/1230 of the European Parliament and Council.Countries covered by Regulation (EU) 2021/1230 (Euro, EU, and EEA): Belgium, Germany, Greece, Spain, France, Ireland, Italy, Luxembourg, Netherlands, Austria, Portugal, Finland, Slovenia, Cyprus, Malta, Slovakia, Estonia, Latvia, Lithuania, Czech Republic, Denmark, Hungary, Poland, Sweden, Bulgaria, Romania, Croatia, Iceland, Norway, and Liechtenstein. Currencies covered: euro, Swedish crown, and Romanian leu.

4- Includes Personal Accident Insurance, Travel Protection, Unforeseen Travel Events, Medical Assistance Abroad, Home Medical Assistance, and Card Theft Protection.

5- SmartDelay provides free access to more than 1,300 airport lounges for the cardholder and one companion in the event of a flight delay of more than 1 hour. The service also includes AirRefund, which helps you get compensation for flight delays.

6- Cash Advances on Credit​
No fee for cash advances (cash advance) up to €400 per month. For amounts above €400, the applicable fees from the price list apply. The fee for a cash advance is €4 + 4% of the withdrawal amount.​​

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Does not replace the consultation of the legally required pre-contractual and contractual information.

​Bank ActivoBank, S.A., headquartered at Rua Augusta, 84, Lisbon, with share capital of €127,600,000, registered at the Lisbon Commercial Registry with the unique registration and corporate tax number 500734305. Registered Insurance Agent with number 419501226 at the Insurance and Pension Funds Supervisory Authority – Registration Date: 21/01/2019. Authorized to mediate Life and Non-Life Insurance. Information and other registration details can be checked at www.asf.com.pt. The Mediator is not authorized to sign insurance contracts on behalf of the Insurer or to receive insurance premiums on behalf of the Insurer. The Mediator does not assume the coverage of risks inherent to the insurance contract, which are fully assumed by the Insurer. ​​

Ageas Portugal - Ageas Portugal - Insurance Company, S.A., headquartered at Praça Príncipe Perfeito 2, 1990-278 Lisbon. Registration / Corporate Number 503454109. CRC Porto. Share Capital €7,500,000. ASF Registration 1129, on the ASF website - Insurance and Pension Funds Supervisory Authority.

Exclusions apply as outlined in the policy.

7- Slice

Installments refer to payments or splits.

Slice for payments in 3, 6 or 9 months: TAN 9,900%.

The Split Payment option for a period of 3, 6, or 9 months involves credit use for a specified period, subject to Stamp Duty, which is paid at the time of granting, according to the applicable legal rates:For periods under 1 year: 0.1410% per month (TGIS 17.2.1.).

Minimum Amount for Split Payment: €75 with a maximum of 50 simultaneous transactions.

The transactions can be split until 6:00 PM on the last business day of the month in which the transaction was made.

Banco ActivoBank S.A.