The Card with Gold benefits

More leisure? Included.

Receive 2% de cashback3 for your payments in Restaurants, TVDE, Food Delivery and Steaming services. Cumulative with the current campaign.

More trips? Included.

Make payments or withdrawals outside Portugal without international servicing fee​4. Have seven personal and travel protection insurances5. When you want to hit the road, fill up without a petrol station fee. Now you can enjoy SmartDelay6

More freedom? Included.

Withdraw up to €400/month on Credit without paying cash advance fee7.

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?

TAEG 17,9%

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.

Start slicing your payments in 3 simple steps

1

If you pay with your Credit Card, you can slice any purchase over €75

2

Choose to slice your payment into 3, 6 or 9 months

3

Track your instalments in the ActivoBank App under More > Slice payment or in your Credit Card monthly statement

Purchases of €75 or more, with up to 50 transactions at the same time. The instalments correspond to payment plans or split payments. Transactions can be split into instalments in the App until 6:00 p.m. on the last business day of the month in which the transaction was made.

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.

Fazer compras online, transferências ou levantamentos Fazer pagamentos digitais com smartphones ou smartwatch Associar às Wallets Digitais (Apple Pay, Google Walltet, Fitbit Pay e Garmin Pay

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.

Notificação 3D Secure

Choose a Credit Card with more advantages

Request Card

TAEG 17,9%

Cartão Crédito AB Gold
Fees Table
Fee Cost
Provision €35,88 (paid monthly in the amount of €2,99). Plus Stamp Tax.
International Service 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).​

Contact us immediately in case of loss, theft, or fraud involving your Cards, through the Urgent Card Service at +351 800 913 700. Available 24/7.​

Call costs depend on the pricing plan agreed with your telecommunications provider. If you are abroad, contact us through the Customer Support Line and select option 8 (Emergency Services).​

Please note: ActivoBank will never contact Clients using this number.

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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Documentation

Consult here more information about the Credit Card AB Gold

1 - AB Gold Credit Card

Enjoy TAN 0.000% until 31/12/26 if you:

Apply for the AB Gold Credit Card, enter the promotional code GOLDZERO in the ActivoBank App under “More” > “Promotional Code”, and accept the Campaign Terms and Conditions between 01/09 and 31/10/26.

TAEG 17,9%, 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. Request subject to Credit risk analysis. Request subject to Credit risk analysis. You must not have held this Card in the last 12 months.

Refer to the regulations.

2 - SLICE

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

The Split Payment option for terms of 3, 6, or 9 months involves the use of credit for a specified period, subject to Stamp Duty, which is paid and charged at the time of granting, according to the applicable legal rates: For a term of less than 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.

*TAN of 9,900%. Slice is subject to Stamp Duty on the Use of Credit (ISUC), charged at the time of activation, according to the applicable legal rates: Term < 1 year - 0.1410% per month (TGIS 17.2.1). Representative example for the creation of a plan associated with a purchase of €373 over 6 months: ISUC payment of €3.12 and a monthly instalment of €64.05.